23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This letter and the attached documents provide further information regarding the potential foreclosure of my home by Navy Federal Credit Union. I am outlining the key events and providing supporting documentation for your review. 

I initially applied for forbearance in XX/XX/XXXX due to wrongful termination from my position. NFCU 's handling of my application was problematic, with repeated requests for " missing '' documentation, even though I eventually provided everything they requested. My first forbearance was finally approved in XX/XX/XXXX and lasted until XX/XX/XXXX. 

Knowing my financial hardship would continue, on XX/XX/XXXX, I proactively submitted the *exact same* application package that they had previously deemed complete and approved in XXXX. This time, they again claimed missing documentation. This was particularly frustrating as I had simply re-dated the previously accepted documents. 

On XX/XX/XXXX, I submitted a completely new application package from scratch, comparing it side-by-side with the original, previously accepted package, and included a written list addressing their alleged missing items. I received no communication until XX/XX/XXXX, when they called twice in under XXXX minute at XXXX XXXX  ( on a Thursday ), leaving me only Friday to address any issues before my supposed " deadline '' of Sunday, XX/XX/XXXX. 

They then claimed my hardship letter was insufficient, stating it needed to be two separate letters. This requirement was never communicated to me either verbally or in writing during the initial application process or the subsequent attempts to renew/extend my forbearance. 

From Thursday to Monday, I was attending a conference focused on securing employment and business opportunities to overcome my financial hardship. Upon my return, I contacted Navy Federal and was informed that my home was in active foreclosure, with an auction date set for XX/XX/XXXX, at XXXX XXXX. 

On XX/XX/XXXX, I received the Notice of Trustee Sale under Deed of Trust dated XX/XX/XXXX. The record request which was made through XXXX indicates that the foreclosure process must have begun weeks prior, certainly before my forbearance renewal package was even properly reviewed. 

As we discussed, I believe NFCU 's actions raise serious concerns about potential bad faith and illegal foreclosure practices. Their inconsistent and ever-changing documentation requirements, coupled with the extremely short notice of the foreclosure sale, suggest they are not acting in good faith. I am particularly concerned that the foreclosure process was initiated prematurely and without proper consideration of my forbearance application. 

I have attached images that coincide with the information I have provided and can provide further documentation upon request. 

Thank you for taking the time to review this information. I look forward to discussing this matter further with you after you have had a chance to examine the documents.
Product: Checking or savings account

About XX/XX/, a withdrawal was made from my checking acct. in the amount of {$290.00}. 
From the limited description, I did not know what it represented. I disputed the charge and Bank of America reversed the withdrawal. A few days later, I realized it was an annual deduction I always had paid. I told Bank to pay the merchant.Bank said it would take 7 days for merchant to receive money. 

Because I needed access to continuing education right away from the merchant and b/c I could not get money to merchant with a debit card ( card was rejected ), I charged {$290.00} on XXXX of my Bank of America Credit cards . I spoke with merchant ( I have used this merchant for a number of years ; ) I just did not recognize it was the annual fee b/c Bank did not provide clear description or name. of merchant when initial withdrawal of money had ben made.The merchant would have refunded the {$290.00} I paid the merchant using the credit card. 

XXXX XXXX, Bank withdrew {$290.00} described as temporary card reversal.but did not pay merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX card from XXXX XXXX is not putting my payment towards my account and now put into a collection account. this is not the agreement that I intial was offered 48 months 0 % financing. the other card was a XXXX XXXX card XXXX card which was my dad 's card and I was paying it and they took my money and them sold my account to XXXX XXXX for the amount that I had paid to them. I have tried to get in touch with them but will not return my calls or my emails. I should not have to pay this card twice and it was my dad 's account for previous debts before he passed away in XX/XX/2014. they added to my account because we have the same name and address at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

All negative things should be removed from my report
Product: Mortgage

On or about XX/XX/year>, I applied for a HELOC loan through upstate mortgage because they were listed on my XXXX account. I thought I could trust this company. After about a month of going back and forth submitting documents many intrusive requests. The loan was closed on XX/XX/year>. I did not receive the funds until XX/XX/year>, in the amount of XXXX. I was informed by XXXX that my loan was being sold to specialized loan servicing. At the end of XX/XX/year>, I called SLS to find out how to pay my loan. They informed me that I didnt have a loan with them. I later received an email stating that my loan was now with Shellpoint mortgage. I contacted shellpoint mortgage on our about XX/XX/year>, I was informed that my payment was due in the amount of or around XXXX on XX/XX/year>. I started receiving documents saying NewRez is my loan service then Shellpoint is the loan service, back to XXXX. I made a payment over the phone. At the end of XX/XX/year>, I noticed that my payment made on XX/XX/year> was not showing as a payment. On or about XX/XX/year>, I made a principal only payment in the amount of XXXX. On or about XX/XX/year>, a regular payment was drafted from my account in the amount of XXXX or close to. I decided following the XXXX payments that I wanted to attempt to refinance with my bank to remove Shellpoint/NewRez as my loan provider. My bank approved my loan. Shellpoint was paid in full per the payoff letter on XX/XX/year>, I have a recordings of the conversations with them on XX/XX/year> confirming they received the payment, my husband was also on the line. I was not informed that I needed to take further action. On the payoff letter it noted that XXXX of my payments were not applied and were received an email following the what I thought was the closure of my account on or about XXXX XXXX I received an email stating that my bill was ready to be viewed. I called Shellpoint asking why my account was not closed, they informed me that I had a balance left on my account. Through looking at the online portal Shellpoint adjusted my balance to XXXX and had unpaid interest listed off XXXX and change. On our about XX/XX/year>, I paid the unpaid interest and again requested that the account be closed. Shellpoint then informed me that they needed a picture ID to close the account. I emailed a picture and uploaded it into their portal requesting that my account be closed. I spoke with a manager whom stated that I had a XXXX balance and should not have an open account. The manager closed my account on XX/XX/year>. Shellpoint sent a letter stating that my account was paid in full on XX/XX/year>. Shellpoint then posted on my credit report on XX/XX/year> SLS reported I have a loan open with them for XXXX. On or about XX/XX/year> Shellpoint reported that I have an open account with a balance of XXXX. Both stated open and active. Following XX/XX/year> my SSN was sold on the dark web per XXXX
Product: Credit reporting

I kept getting a error at the end, telling me the " tell me more '' page had a error. That was my last and final error before reading that I was unable to get my report and had tried the maximum number of tries. I also got XXXX captha ( sp? ) wrong but this could not have been because I double checked each time and what I had typed in was exact to what was presented. I would just like to get my report without having to mail in for it. 

My husband is unable to get his online too.
Product: Credit card

To Whom It May Concern : I am writing to file a complaint against JPMorgan Chase Bank , N.A . ( " Chase '' ) regarding their deceptive business practices in their credit card application process.

Product Information : Product Type : Credit card Sub-product : Business credit card Issue : Application, approval, or denial for credit card Description of Issue : I recently applied for a Chase Business credit card and explicitly indicated on my application that my business is structured as a Sole Proprietorship. During the follow-up process, I received a call from Chase Business Card Services where the representative incorrectly claimed that my business was registered as a Limited Liability Company ( LLC ). This misrepresentation of my business structure is concerning for several reasons : 1. It demonstrates either a serious error in Chase 's application processing system or a deliberate mishandling of my application information. 
2. This misclassification could have significant implications for my credit application and business relationship with Chase.

3. The process appears to be deceptive as the information I provided was clear and accurate, yet was somehow altered or misinterpreted during processing.

Furthermore, my attempts to resolve this issue through Chase 's customer service have been extremely problematic. I made three separate phone calls to Chase 's customer service, and in each instance, the representative abruptly terminated the call. These three hang-ups resulted in approximately two hours of wasted time. This pattern of behavior appears deliberate and demonstrates a severe failure in customer service and a complete disregard for their customers ' time and concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I received a letter stating a new debt collector was assigned this debt. the debt changed hands a couple of times, when i asked for proof of contract they often didn't respond and then I was notified by a new collection agency that they were collecting on this debt. when XXXX XXXX  XXXX sent me a letter i asked them to validate the debt in response they sent me billing statements. I challenged them and asked for proof of contract and chain of title. When I asked for this they in return said I was being sued. This company misrepresented themselves, they presented as the debt collector and then they were also the attorneys for the company ( XXXX ). I am familiar that this company has had similar violations in the past and they cant be the debt collector and turn around and be the attorney too. I am also consulting with credit attorneys but i wanted to file a complaint as they are suing me and have violated the FDCPA.
Product: Checking or savings account

I completed a mobile deposit for my USBank personal checking from my XXXX XXXX XXXX bank account. The check was deposited on XX/XX/2021 after work hours. The funds were released and debited from my XXXX XXXX XXXX account on XX/XX/2021, and I have screenshots for the proof of release of the funds. I have been a loyal customer of USBank for over 20 years. The check was over {$25000.00}, and only {$220.00} was released to be available for me. The branch location is very unresponsive, and there is no agent help. The number published ( XXXX ) XXXX indicates to call the USBank 24 hour customer service due to Covid -19 the branch is not taking calls. And if you call that number again, it puts you on hold and then disconnects. This location is at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. The USBank 24 hour services customer service number kept refereeing me to work it out with my branch since the branch put a hold on my check, Each time I spoke to an agent for the 24-hour service and asked why my check was held up when it was released from Ideal Credit Union as of XX/XX/2021, I kept getting confusing answers such as Regulation CC, some times the agent would tell me it's the mobile deposit policy for USBank. Yet Regulation CC states that I should have at least received {$5000.00} accessible right away. The reason for this big check was for debt consolidation to pay off the high-interest cards with USBank, especially the credit line that accrues interest daily. USBank held on to my funds that the XXXX XXXX XXXX released on XX/XX/2021. The branch near me that I usually go to, and I live close to this branch, tried to help me, but since my home branch imposed a hold, they could not help me at all. What is most frustrating is that " home branch '' I have not lived in that zip code for over 19 years!! Yet, I can not move my location to another branch since my account was originally opened up in that location. I feel like I am being held hostage at this useless branch that I never visit at all. I tried several times to call this useless branch at XXXX XXXX XXXX , XXXX XXXX, MN XXXX, and there is no live agent to assist. My funds are being held when my name is not on the XXXX list, nor has it ever been involved in any fraudulent activity. USBank needs to be held accountable for holding my funds under a false pretense of Regulation CC or whatever their internal mobile policy is.
Product: Credit reporting or other personal consumer reports

These hard inquiries do not match any current accounts that I currently have. 
Below is all of the companies that placed hard inquiries on my credit report along with the inquiry date. 


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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX  XXXX XXXX {$4100.00} XXXX XXXX XXXX {$21.00} XXXX XXXX XXXX XXXX XXXX XXXX {$460.00}
Product: Credit card

In  XXXX  of  XXXX , I went to the  XXXX , Pennsylvania branch o f Wells Fargo B ank to address a concern about my ex-wife 's name still being on an account used to pay my mortgage each month. At that time, branch manager suggested I open a new checking account, in my name only, as a solution to this problem. The next day I returned to actually open that new checking account, and the manager then offered me a credit card account as well. When I asked some questions and found out there would be fees attached to these accounts, I declined to open either a new checking account or a credit card account, and left without opening any accounts.     On  XXXX   XXXX ,  XXXX , I received a phone call from a debt collector saying I owed money on a personal credit card account I had with  Wells Fargo. I  responded that I did n't have any such account, but right after the phone call, I went to the  XXXX , Pennsylvania branch of  Wells Fargo  to find out what was going on, and whether this might relate to my business account wit h Wells Fargo. The  bank assured me that the debt did not relate to my business account, but instead related to a personal credit card they insisted I had opened.     Even though I never received a personal credit card from  Wells Fargo, n ever received any statements and never made any charges,  Wells Fargo ul timately informed me that I had {$28.00} in unpaid annual fees. This is after my wife had put a bid in on a house, and after that bid was accepted, I also learned that  Wells Fargo r eported this supposed delinquency to the major credit reporting agencies, which dropped my  credit score f rom roughly  XXXX  to roughly  XXXX . As a result of this huge dro p in credit score, we lo st financing for the house, and lost the opportunity to reduce our monthly home ownership costs ( including mortgage, taxes and HO insurance ) from {$3800.00} per month to {$1700.00} per month. For the foreseeable future, I am losing {$2100.00} per month as a result  of Wells Fargo 's  conduct in opening a credit card account in my name and charging me fees without ever even letting me know they had opened a credit account in my name.      Wells Fargo has  opened a case number for my complaint, and it has submitted requests to  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX  to remove this alleged credit card delinquency from my name. But the damage is done, and Wells Fargo has not offered any significant compensation for the damage they have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$20000.00} XXXX  XXXX {$35000.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX {$34000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX  XXXX  XXXX {$17000.00} XXXX XXXX XXXX {$13000.00} XXXX {$240.00} XXXX   XXXX {$2000.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX XXXX   XXXX {$860.00} XXXX  XXXX {$830.00} XXXX  XXXX  {$1100.00} XXXX  XXXX XXXX {$2000.00} XXXX XXXX XXXX {$700.00}
Product: Credit reporting or other personal consumer reports

Unfair practice with debt collection company I live in the state of Tennessee company is not license or register in the state of Tennessee to collect debt so its a violation of the state of Tennessee so this this this should be removed from my credit immediately paid the penalty Filing with the attorney general because it is hurting my credit holding me back from getting a home loan please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cover Letter For Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX Last XXXX SSN : XXXX Remove All Inquiries
Product: Debt collection

On XX/XX/22 at XXXX AM, I received the following text message : " Please contact us today at XXXX or log on our website to manage your account https : //cksfin.com/s? t=l2zo. This is a message from a debt collector, any information obtained will be used for that purpose. Reply STOP to opt out ''
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transaction Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Student loan

American Education Services reported an inaccurate 30-day la te to the credit bureaus for the month of  XX/XX/XXXX  while my account is in forbearance. You will see in the paperwork I have attached that I am charged late fees and reported late in the same time periods that I am granted forbearance.  <P/>  XX/XX/XXXX  -  XX/XX/XXXX  Approved Forbearance period  XX/XX/XXXX - charged late fee  XX/XX/XXXX  - payment made  XX/XX/XXXX  -  XX/XX/XXXX  Approved Forbearance period  XX/XX/XXXX  - late fee charges  XX/XX/XXXX  - Payment made  XX/XX/XXXX  - AES reports 30-day late to credit bureaus during forbearance period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two Issues : ( 1 ) In XX/XX/XXXX I had to take out a private loan from XXXX XXXX for {$29000.00} due to an erroneous collection disqualifying me for federal loans. After the collection was removed a year later I was able to get federal loans to finish my education. In XX/XX/XXXX I found myself in a financial hardship and was unable to pay. The feds were willing to work with me but not XXXX XXXX. I defaulted on the loan, but I do not know for how much, who legitimately owns the loan or any verification. Attached are documents showing that the loan amount is different between collection agencies and the credit reports, and there are multiple collection agencies. One document on my credit report shows that it was discharged in my bankruptcy in XX/XX/XXXX.

( 2 ) When recently checking my credit I perused each account and noticed that XXXX XXXX is reporting on Trans Union several accounts as open with balances reflecting more than the original amount, but that " payment deferred. '' The sum of these accounts is roughly {$90000.00}. Checking all my federal loans through the NSLDS ( attached ) I was able to see the loans that XXXX XXXX is reporting. These are federal ( FFEL Plus Graduate ) loans, not private with XXXX XXXX. They are also paid with a XXXX balance as all were consolidated into a Direct loan. So, these loans are essentially being reported twice, but that when a potential creditor checks my credit it shows {$90000.00} of open balances.
Product: Credit reporting

My name is XXXX XXXX XXXX not XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINIUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.