23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Due to my relocation from XXXX XXXX  to XXXX XXXX XXXX in XXXX ( which saw a roughly 20 % increase in our cost of living ) and taking a pay cut ( as part of a longterm career strategy ), my wife and I are financially struggling. I am a XXXX XXXX XXXX and she is a XXXX  in the XXXX, so our incomes are based upon time-in, seniority, and rank, not performance or anything else. 

Although we have been making payments, we are robbing from our cashflow to make the payments : we are paying the credit card debt and having to spend it, again, to stay afloat. I attempted to negotiate with Chase ( regarding my credit card ) to lower my interest rate and mandatory minimum payments ( currently $ XXXX XXXX for a period of six to twelve months, so we can get our financial situation in order. They refused, unless I closed the card first : not only would they not promise that closing the card would result in the outcome I wanted, it is also an action that would have negative consequences ( for both credit score and reputationally ). Because of my occupation, I can not have a closed credit account upon which I am also making payments. 

Chase is obstructing my financial wellbeing, even as I attempt to negotiate in good faith. 

I have missed no payments, etc. and yet they remain steadfastly unwilling to work with me, even when it was escalated to their executive-level customer service. 

This is unacceptable.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed this credit card issued by Genesis FS Card Services. It was opened fraudulently in my maiden name, which has not been my name since XXXX. According to the company, the card was issued around XXXX of XXXX and the charges all take place at XXXX XXXX  and XXXX in Michigan. I live and have always lived in Washington State. I have never been to Michigan. I have spent over 8 hours in total on the phone with this company. My first phone call to the company placed on XX/XX/XXXX resulted in the agent refusing to transfer me to their fraud department and instead advising me to file a dispute through XXXX, which I immediately did. Approximately one week later, I received an email stating that the dispute investigation had concluded and the information was found to be accurate. I filed a second dispute with XXXX, filed a report with the FTC, filed a report with the Attorney General of Washington, a police report with XXXX Police Department and again called the company only to spend hours on the phone. On XX/XX/XXXX, I received a letter requesting a copy of the report I filed with the FTC within XXXX calendar days. I immediately faxed a copy of the report, as the credit card company states that is the only way to submit such documents. I called the company shortly after to ensure the fax had been received only to be told they will take 5-7 business days to process the document that I sent. Trouble is, this would put me past their 20 day deadline. XXXX stated on XXXX that my dispute had been closed by the credit issuer, which doesnt make any sense at all. I have been hung up on twice today alone. This company and its agents are criminal. I encourage everyone to record their conversations and take excellent notes whilst communicating with this criminal company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 4 late payments 15 student loans on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for these accounts : Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Dept of Ed/XXXX  : [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies?

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX XXXX XXXX XXXXXX/XX/year> Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Checking or savings account

There is a bi-weekly deduction taken from my XXXX as I work for the XXXX XXXX XXXX ( XXXX ). I did not create this account which is over ( 16 ) years old now. It is deemed as being a " Savings Account ''. The bank to which my money is going is clear with all details available to me. The problem is that no one at the bank will talk to me stating " my name is not on the account ''. Well, you can see my dilemma. I 'm working with the XXXX XXXX XXXX XXXX ( XXXX ) and other organizations to remedy this matter. I have a trail of accurate, damning information for those responsible if anyone will take the steps to hold them accountable. I do n't bank with the institution that 's been taking money from my account for over ( 16 ) years. I use another bank to deal with all of my banking needs. Please advise, XXXX XXXX XXXX Email : XXXXXXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2021 I purchased a home that needed the pipes lined and reached out to XXXX XXXX. They quoted me $ XXXX and suggested i use Service Finance Company to complete the job. I applied and was approved at a 6 % interest rate. During my application call the rep informed me that there was no early pay off penalty but these guys have made it impossible. On top of that i was diagnosed with XXXX XXXX XXXX XXXX and have been torn with paying off the loan faster or letting it go since its no easy way out my payment is like {$260.00} per month. I would like to make more aggressive payments. For example, $ XXXX which would reduce the balance and give me more time to gather funds. Their rep advised me that if i did submit that payment it would reduce the balance but it would only cover a billing cycle for XXXX and XXXX and my payment would still be due in XXXX. Now in a car loan scenario, this too would happen. the difference would be automatically shifted to the principle. BUT when the customer calls and says that this is what they want to happen, the bank makes the change. 

I find their practices to be predatory and deceptive
Product: Mortgage

I have auto payments that are made to Chase Mortgage every month on time for the last XXXX years. The XXXX and XXXX payments were not applied to my account and show received but suspended. No principal has been applied to my account and I assume they are continuing to calculate interest. I also received paperwork in the mail for 'mortgage assistance '. I have paperless billing and do not receive regular mortgage statement paper notices. 

Calls to Chase customer service say that they have not received my full payment due to a calculated 'future escrow shortage '. My principal and interest payments are currently {$760.00} and the payment I have been making is {$950.00}. I have {$420.00} balance in escrow with {$440.00} reported as the balance they require. Taxes were paid and insurance will not be due again until XX/XX/year>. 

I do not have an issue with making an extra amount to cover any escrow shortage. I do not think Chase can fail to apply my principal payments for a small escrow shortage.
Product: Mortgage

I contacted company to advise that I needed to apply for a forbearance, and submitted that paperwork, I never heard from company on forbearance, I then get a letter stating the needed more paperwork, I submitted all of that information online. I sent emails, no response, I requested a manager call me, no call. I got calls from several departments, and each one had no clue what was going on. I need to keep my home, my husband passed, and its been hard. There was no probate due to his will and in state of XXXX, you can simply take over the loan by making the payments, I was never told anything other wise. I was all he had, his spouse and I am just trying to keep our home and get afloat. 
I
Product: Bank account or service

BOA changed my checking account type from college to whatever it is now and started charging for account maintenance fee without any acknowledgement. And there is no warnings at all prior to the change
Product: Checking or savings account

Hello CFPB, I opened a Bank of America checking account on XX/XX/XXXX via an advertisement that I received by email from them. The email advertised that I would receive a {$300.00} bonus after completing 3 requirements within 90 days of account opening. The final requirement was completed on XX/XX/XXXX, exactly XXXX  days after account opening. It has been nearly 2 years and the bonus has still not posted. I sent Bank of America a letter on XX/XX/XXXX describing the situation and provided statements showing I met the completed requirements as well as a copy of the email promotion. I received a reply via letter that a promotional code was never supplied during account opening and therefore the promotion would not be honored. But the email advertisement did not mention a promotional code and I applied directly through the link in the email. I have attached all relevant documents for this complaint and hope that you could please help me with this issue. Thank you! 

Kind Regards, XXXX XXXX
Product: Student loan

Hello, Ive been paying my loans since 2007. Both Private and Federal loans from Navient and continue to pay them off. Throughout the years Ive encountered a number of issues when dealing with Navient. Lack of communication and poor customer service- nearly impossible to speak to real people about concerning account issues. No transparency or explanation regarding implications of Forbearance or more affordable repayment options and a number complications during hardship periods.
Product: Mortgage

When wells fargo owned my mortgage they foreclosed, after refusing my full payment due to be current. I had carried over half a payment due for two months ; all the while communicating a hardship I was working to rectify. I spent two years in court mediation fighting for the modification program I was promised that would happen in 90 day time frame. Their underwriters never did their job and I had to provide profit and loss reports over the two year period every time i had a court date yet their underwriters were never prepared to make an offer and rewrite my mortgage with a lower interest rate as promised.

after two years and my mediator actually retiring the new mediator lost it on wells and they came back with an offer of a 40year mortgage instead of 30yr at a higher payment amount! I refused and the new mediator only looking at how long wed been in court told me to take the offer or the court would not protect me anymore. I was only offered that one deal and the mediator would not listen to the fact Id be XXXX XXXX XXXX and still paying a mortgage that this was no modification it was gross misuse of power. How do I fight a bank? 
I have been paying this mortgage consistantly since the whole modification issue. I have not faltered on payments since. It was an isolated incident with a client pulling out of a three month project.

I truly believe wells fargo owes me for all this interest and the problems it cost with my credit. I saw they are finally being held accountable and I want to be heard. I have EVERYTHING from court. I can prove how crocked the entire situation and process the wells fargo was using. I am a bookkeeper. I run three offices. I keep impeccable notes. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. 
it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Product: Money transfer, virtual currency, or money service

Good Morning.. my dears at Consumer Financial Protection Bureau.. greeting On or Around XX/XX/XXXX I contacted Citizens Business Bank Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX California XXXX XXXX To Open Account for Me, And Add the funds obtained From processing my judgement XXXX, No reply Received from Citizens Business Bank until today 's date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an inaccurate collection on my credit report, I've disputed this account & they will not provide me with any updated information. I called the collection company on XX/XX/XXXX & requested that they provide me with any type of proof being a signed contract with my signature state that I've done business with them & that I owe them money, they refused to comply & told me that they provided XXXX with the " proof '' & to contact XXXX. I called XXXX on XX/XX/XXXX & spoke with a gentleman named XXXX XXXX & he placed the blame back on the collection agency. I don't even think that this collection agency is licensed to collect " debts '' in North Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

my school loans were paid and closed in XXXX because of my XXXX. The loans from XXXX XXXX XXXX, XXXX and UHEAA show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I SENT A LETTER TO XXXX DISPUTING A REINSERTITION FROM XXXX XXXX XXXX THAT WAS DELETED WHEN A COMPANY NAME RENT RECOVERY REPORTED IT AND IT WAS DISCHARGED IN A PREVIOUS BANKRUPTCY YEARS AGO. THIS IS A VIOLATION. I ALSO WAS NEVER INFORMED THAT THIS WAS BEING REINSERTED ON MY REPORT AGAIN AND THAT IS DEFINITELY A VIOLATION ON XXXX AND THE COLLECTION AGENCY. I NEVER RECIEVED ANY INFORMATION THAT THEY HAD THIS ACCOUNT OR I WOULD HAVE TOLD THEM THAT THIS WAS DISCHARGED AND DELETED IN A PREVIOUS BANKRUPTCY CHAPTER 7 YEARS AGO. I NEVER GOT A NOTICE FROM THESE PEOPLE AND I DONT EVEN KNOW WHO THEY ARE. WE NEVER HAD A CONVERSATION AND I NEVER GOT A VERIFICATION OF THE DEBT WHICH IS ANOTHER VIOLATION. THERE WAS NOT A NOTICE MAILED TO MY ADDRESS SO PLEASE TELL ME HOW ARE THEY ABLE TO REINSERT A DELETED ACCOUNT ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE AND NO COMMUNICATION AND THE CREDIT BEREAU ALLOWED THIS TO HAPPEN. THE FCRA AND SPEAKS AGAINST THIS. I CALLED XXXX AND THEY ARE BEING LAZY AND REFUSE TO HELP AND THEY NEED TO BE HELD ACCOUNTABLE. THEY WANT ME TO CALL A COLLECTION AGENCY THAT IS IN COMPLETE VIOLATION AND ACTUALLY GIVE THEM CURRENT INFORMATION ON ME IN ORDER TO DISPUTE AN ACCOUNT THAT HAS ALREADY BEEN DELETED FROM MY REPORT YEARS AGO. IM FURIOUS AND I DONT TRUST THAT PROCESS. XXXX NEEDS TO DO THEIR JOB AND STAND BY THE CONSUMER LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a settlement agreement with company my payments are current. This company has not update my payment status or my added payments to my credit report and also they have not changed my balance.
Product: Debt collection

Good day, My son obtained a loan from XXXX XXXX in the Fall of 2018. Recently XXXX XXXX sold off the loan to Firstmark Services. We were under the Federal loan forbearance with XXXX XXXX, of which Firstmark Services is now trying to collect the debt. 

Are these loans still under Federal forbearance or can they now just claim them as private loans? 

Thanks for any additional information. 
XXXX XXXX
Product: Mortgage

I notified PennyMac Loan Services of a billing error pursuant to federal law 12 CFR 1026.13 ( a ) ( 4 ) and 12 CFR 1026.13 ( a ) ( 5 ) on all past, present and future billing statements and requested documentary evidence pursuant to 12 CFR 1026.13 ( a ) ( 6 ). The letter in response to my billing error dated XX/XX/2022 did not meet the requirement for a sufficient response by federal law. My request for documentary evidence was accompanied by an allegation of an error under 1026.13 ( a ) and a request for additional clarification under 1026.13 ( a ) ( 6 ), which should have triggered the error resolution procedure, instead I am being ignored and PennyMac is willfully neglecting to do their job. PennyMac did not address the billing error in their correspondence to me nor did they conduct a reasonable investigation to resolve the problem. PennyMac failed to deliver a written explanation setting forth the reason why they believe the billing error did not occur as asserted and failed to comply with the error resolution procedures set forth in 1026.13 ( f ).
Product: Debt collection

On XX/XX/XXXX I applied for a checking account with XXXX. It was application ID:XXXX. They told me I was denied in part because of information furnished by Telecheck. I was shocked because the only check I write each month is too my landlord of the past 9 years, and I have never once bounced oXXXX of those checks. After much difficulty, I have received a report from Telecheck alleging I wrote XXXX checks on a checking account that I had closed years previously. Those checks were alleged to have been written in XXXX Colorado in XXXX at XXXX XXXX no XXXX. I have never in my life been a member of XXXX XXXX  nor have I ever visited XXXX Colorado. I have been the victim of widespread identity theft with police having contacted me from California and Washington state stating they found my personal information in the possession of criminals. I have also filed an identity theft affidavit with the FTC. Furthermore, the last 4 digits of the state ID claimed to mine on the Telecheck report do not match my Arizona DL which I have had since XXXX. I have also filed multiple fraud reports with TeleCheck including a signed affidavit stating I did not write those checks and they refuse to remove the inaccurate information in violation of the FCRA. To add insult to injury after the last dispute they added a third additional check to the report which was also committed by some criminal and not a check that I wrote. At this point, Telecheck is reporting fraudulent information about me that is causing me a great deal of stress and emotional issues as well as financial as I have to spend time and money disputing inaccurate data. Telecheck is not taking this serious. I know in the past they have been sued by the government for not properly investigating. I feel they are doing the same thing now to me and need to pay for their FCRA violations against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$62000.00}. Please remove these accounts ASAP.
Product: Mortgage

My loan was sold and servicing is through Faye servicing. I have repeatedly tried contacting to lodge complaints regarding payment issues, insurance issues, lack of communication, etc. During the last week, I have contacted them to make payments but their customer service line goes unanswered and there is no link to pay online as I have made payments before. I have now received letter of demand and contacted again to make payment before default date of XX/XX/2020. I was told they can not take payment unless in full. I contacted again and my payment was accepted. How can I cute default if payment is refused?? They have sent various threatening letters involving no insurance which I have, not taking payments, etc. I have left messages and complaints within the company which ALL have gone unanswered. I have requested lender information which was refused to me as well.