23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letters to Navy Federal Credit Union, XXXX and XXXX. Here are the facts : 1 ) Navy Federal Credit Union initiated foreclosure proceedings on my principal residence in XX/XX/XXXX. 2 ) In XX/XX/XXXX, I filed Chapter XXXX bankruptcy 3 ) In XX/XX/XXXX, my Chapter XXXX bankruptcy was discharged along with the debts that were included in this bankruptcy, including the mortgage on my principal residence. 4 ) Between XX/XX/XXXX and XX/XX/XXXX, I negotiated a loan modification to my mortgage loan and began making payments in XX/XX/XXXX. 5 ) I have made monthly payments on this mortgage loan every month since XX/XX/XXXX, have never been late nor missed a payment. 6 ) I applied for a automobile loan at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and a secured XXXX credit card ( {$1000.00} deposited for a {$1000.00} credit limit ) at Navy Federal Credit Union on the same day ; the first was because I need to purchase a used vehicle and the second is because I need to re-build my credit. 7 ) The automobile loan was denied due to lack of credit history. The secured XXXX card was denied because of a past loss ( because of the Chapter XXXX bankruptcy ), despite the fact this account would be fully secured with no loss potential for Navy Federal Credit Union. 8 ) Upon # 7, I pulled all 3 of my credit reports ( XXXX, XXXX and XXXX ). I was shocked to see that Navy Federal Credit Union was not reporting my positive payment history on my mortgage loan for the past 4 years on XXXX and XXXX. XXXX does show my payment history accurately. When I contacted XXXX, they told me I had to get Navy Federal Credit Union to remove the " Included in Bankruptcy '' designation and then they could report the positive credit history. On both XXXX and XXXX, they are both showing my mortgage account CLOSED, when in fact it 's not. I have filed complaints with both of these agencies. 9 ) I also spoke with Navy Federal Credit Union. They claimed that since my mortgage debt ( but not the lien ) was discharged in bankruptcy, they are prohibited under Federal Bankruptcy law from reporting any credit history for debts that have been discharged in bankruptcy. Federal bankruptcy law has  nothing to do with credit reporting. The Fair Credit Reporting Act does. My point is, why ca n't my POSITIVE payment history on my modified loan be reported and published by the credit reporting agencies?? XXXX is reporting this information correctly. That is the only way I 'm going to be able to obtain credit in the future. 10 ) Finally, I spoke to Navy Federal Credit Union again this morning about potentially re-financing my loan which is currently in modification but will be due to re-set in XXXX XXXX. They told me it would be VERY likely denied because of a " past loss '' no matter my payment history since the loan was modified, no matter my income, and no matter the amount of equity I have in my home ( which is currently approximately {$180000.00} ). This is simply punitive and really should be outlawed.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I recently applied to rent a house and was denied due to an outstanding balance for somewhere I have never lived and with a company that I have never conducted any business with relecting my report that was provided to me by AppFolio. I was told that this fraudulent information could be listed with other companies such as XXXX etc. From the report that I was provided it reflects an address ( XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ) that I have never used or resided.
Product: Mortgage

Chase loan I have been trying to get a yes or no on a question since XX/XX/2020. Very simple but every time I finally get through they don't know the answer, say they are going to forward to somone else, then they disconnect me. 

My husband passed away XX/XX/2020, I just need to know if the re-fi had any type of credit life that would pay off the loan. Very simple question and answer so I can move forward.
Product: Debt collection

There is a XXXX finance statement filed also I am a secured party creditor enacted by uniform commercial code the body of laws governing commercial transactions in the US. These debt on account have been place on debtors of accounts.ther is intrest in the debt for XXXX XXXX XXXX XXXXThe interested secured party creditor is XXXX XXXX XXXX These debts should be removed from aTHE NAME LISTED ABOVE.ALL SECURED PART CREDITORS HAVE BEEN NOTIFIED.
Product: Student loan

My loans went into repayment in XX/XX/XXXX. I applied and was approved for an income-driven repayment ( IDR ) plan in XXXX and made regular payments on that plan. I was informed mid-summer XXXX that I would need to re-certify for IDR. I was given a deadline of XX/XX/XXXX to complete the re-certification. I completed the application to re-certify my IDR plan on XX/XX/XXXX. I received a message from my loan servicer in my online message center on the loan servicer 's website on XX/XX/XXXX. It said " You're Approved for an Income-Driven Repayment Plan. '' It also said that I would " receive your payment schedule detailing your repayment terms, scheduled monthly payment amounts, and due dates 45 days before your first payment is due. '' Today, XX/XX/XXXX I logged in to my loan servicer account portal and one of my loans had a payment amount of over {$1000.00} due XX/XX/XXXX. All other payment due amounts had been for {$60.00}. That loan is on autopay and if the full amount was taken out of my bank account it would overdraw my account. I immediately called Great Lakes - my loan servicer and asked them to explain why, despite the approval for continued IDR, I had a payment due of over {$1000.00}. The representative responded that my IDR application had not been processed until XXXX and had only been approved on XX/XX/XXXX. She then told me that because the application was processed after the XXXX deadline that the payment had increased but should eventually go back down. I was then chastised as she explained " this is why we tell people to be sure they fill out their re-certifications on time. '' She said in her system she could see that I had filled out the application on XX/XX/XXXX but could not explain to me why the application was not approved until XX/XX/XXXX. She also did not have a copy of the message that I received and could not explain why I had received a message which apparently misrepresented that I was approved as of XX/XX/XXXX. She also could not tell me when I would get a new pay schedule. 

I then asked to speak with a supervisor. The supervisor explained that my new IDR application could not be processed until twelve months had elapsed from when I started making payments. She said this was why my re-certification application had not been processed until XX/XX/XXXX. She then said that payment schedules " generate over the weekend '' and that my payment schedules could not generate until after the 12 months had elapsed, the application was approved, and then the schedule generated on the weekend which could happen this coming weekend, XX/XX/XXXX and XXXX or even next weekend XX/XX/XXXX and XXXX. This is obviously not 45 days before my " first payment '' on the " new '' IDR is due, XX/XX/XXXX. She apologized that she could not provide any payment amount information at this time and could not account for why I was told that payment schedules would be provided 45 days before the payment was due. At this time all I know is that I am approved for an IDR Plan but I have payments due on XX/XX/XXXX and I do not know how much I owe on that date.
Product: Mortgage

I am writing to lodge a formal complaint against United Wholesale Mortgage ( UWM ), an escrow service provider, for serious mismanagement of my escrow account and mortgage payments, leading to substantial financial harm and the risk of losing my home. Despite multiple attempts to resolve these issues directly with UWM, their persistent negligence and failure to adhere to explicit instructions necessitate regulatory intervention. 

In XXXX, due to financial hardships exacerbated by the pandemic, I enrolled in a tax relief program to manage my property tax payments. Despite informing UWM of this arrangement and explicitly instructing them not to make tax payments from my escrow, UWM disregarded this directive, leading to unnecessary withdrawals for taxes, late fees, and penalties. It took extensive communication and the threat of reporting their actions before UWM partially refunded the overpayments. 

In the subsequent year, amid ongoing financial difficulties, I was accepted into a mortgage relief program. I provided UWM with all requisite documentation and repeatedly confirmed, including through multiple phone calls, that my mortgage payments should not be made through the escrow during this relief period. Contrary to these explicit instructions and documented agreements, UWM made unauthorized payments, jeopardizing my financial stability and placing my home at imminent risk of foreclosure. 

Furthermore, the mortgage relief program disbursed over {$32000.00} to bring my account current and assist with my hardship, yet UWM failed to apply these funds as intended. Despite assurances that my account was current, I later received notifications of delinquency without clarity on the application of the over {$32000.00}. My requests for a thorough investigation and account review have been met with indifference, with each interaction marred by a lack of continuity and accountability from UWM 's representatives. 

This pattern of behavior by UWM demonstrates a blatant disregard for consumer rights and financial regulations, warranting a comprehensive review by your agency. The financial and emotional toll of UWM 's actions, coupled with the looming threat of foreclosure, underscores the urgency of this matter. 

I request your agency 's immediate intervention to investigate these grievances, ensure UWM 's compliance with applicable financial regulations, and mandate appropriate corrective actions to remedy the harm caused. Enclosed are copies of all relevant communications, documents, and evidence supporting my complaint. 

Thank you for your attention to this critical matter. I am willing to provide further information as needed and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a notice from XXXX XXXX that I had been denied a credit card with SPCB/JCPenneys. I have never applied for a card with SYNCB/JCPenneys or any subsidiary. I tried contacting XXXX to dispute the charge and couldn't reach anyone. Tried calling the JCPenneys number which shows on my credit report and the person told me they would only help me if I gave them my social security number. I DEMAND that they remove this fraudent hard inquiry from my credit report immediately. This is the information I currently have XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX SYNCB/JCP XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX bank credit card frivolously and capriciously reported in inaccurate and misrepresentation of facts on account been late for two prevailing months as identified as a violation of XXXX XXXX In credit reporting, billing, and disclosures as a matter of law. 

Payments were made timely with the credit card company by account owner and holdeXXXX XXXX XXXXXXXX credit card company desperately transferred a full payment made by an account holder to XXXX in bad faith with misrepresentation or error created by them in processing the payments that resulted in accurate reporting of a late. 

To address these concerns, a letter was sent by XXXX XXXX credit card company last month as an apology and credit the account. And, was doing what is right to correct capricious billing practices. 

This account is not my account, nor account holder as authorized person to help resolve issues created unfairly by the bank actions. 

Inconclusion, this is not my account and non account holder. The person responsible told them to remove it immediately. The bank bank has failed to act in good faith by continuing to report inaccurate information that caused financial injuries.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on Experian agency I noticed a fraudulent account on my credit report I did mention to original creditor about this account but their fraud process was way to complicated to complete for me at the time at XXXX then they sold or transferred account to a collection agency XXXX XXXX XXXX account # XXXX wow this is not right they already sent me the paperwork which was to an address I was never associated with and I explained to XXXX this was not mine.
Product: Student loan

In early XX/XX/XXXX, I noticed that my bill was greater than the amount that it should be based on my income based repayment plan that went into effect XX/XX/XXXX. The payment under the new plan was {$490.00} but the bill was for {$750.00}. Because the excess amount of {$260.00} is 52 % of {$490.00}, I did not believe it was possible for these to be late fees, so I contacted Navient. Navient responded that they were in fact late fees. So, on XX/XX/XXXX, I reluctantly paid the bill in full, with the late fees, thinking it would be better to just pay than self-audit the account. 

Now, my bill is once again showing that I owe {$750.00}. I contacted Navient to advise this was in error, as the full P & I payment of {$490.00} plus the late fees of {$260.00} were paid on XX/XX/XXXX, four days in advance of the due date XX/XX/XXXX. Therefore the fees were paid and no new fees could have been assessed. Navient responded that my entire {$750.00} payment had been applied to P & I, nothing was left for the fees. This is an admission that they applied my payment to more than the amount that was due, in effect disregarding the reduced income-based payment amount and demanding that I pay the same fees multiple times over. 

When reviewing the payment history document, please note that there is data from a private loan account displayed as well as the federal loan account that is the subject of this complaint. The accounts can be told apart by the due dates : XXXX of the month for federal, XXXX of the month for private. The {$220.00} transaction dated XX/XX/XXXX is for the private account ; the transaction at issue here is dated XX/XX/XXXX iao {$750.00}.
Product: Mortgage

We purchased a new home from XXXX XXXX in XXXX of 2013. They have their own lender and we used XXXX XXXX Mortgage. They sold our loan to Nationstar Mortgage about 5 months later. Our closing documents show that a portion of our payment into escrow would go towards paying property taxes. 
We are currently trying to refinance our mortgage and we are unable to because we have been told that Nationstar has not been paying our property taxes to XXXX county. I have tried to find out what has been going on with Nationstar and I 'm getting the run around, being told that we are tax " exempt '' I have no idea where they could have gotten that information. Our original loan was sold and I feel there is a violation of RESPA within that transaction.
Product: Student loan

Great Lakes is a contractor for the Department of Education. I am on an income based repayment ( IBR ) plan requiring 120 months of on time payments under the Public Service Loan Forgiveness Program. Great Lakes is skipping one payment every year while they " set up a new payment plan '' and then the payment gets added to the end. Because the payments only get higher every year on the IBR and the interest is accruing, this means a significantly longer time to pay ( an additional 10 months if totaled ) and at an increased amount due to the skipped lower payment, higher back end payment and accrued interest. I was making a monthly payment on the XX/XX/XXXX. This year, they approved my IBR in XX/XX/XXXX, informed me in XX/XX/XXXX, skipped the XX/XX/XXXX payment and then started the higher payments due on the XX/XX/XXXX of each month. Today I attempted to correct their mistake and they told me I was wrong in my point and told me nothing could be done and that correcting the mistake by making an extra payment to cover XX/XX/XXXX would n't count for my Public Loan Forgiveness Plan. This issue has been identified by the Department of Education and XXXX has lost their contracts for the same problems. They are intentionally skipping one lower payment each year in order to add it to the back end for higher payments. This feels like an unfair practice since at no point in time is the loan being " reserviced '', " refinanced '', changing hands or doing any of the other things that normally triggers a financial institution change billing cycles or amounts. However, even if this were the case, they approved me in XX/XX/XXXX, Notified me in XX/XX/XXXX, took XX/XX/XXXX payment, skipped XX/XX/XXXX and billed XX/XX/XXXX. There is no reasonable way that they needed almost 4 months to set up a new payment plan. Please address this issue.
Product: Debt collection

Numerous times i have contacted trans union to dispute the charge off accounts on my credit report. They have failed to verify these accounts. But these accounts are still showing on my credit report. At this point, they are going against the fair credit reporting act. They are not providing me with correct verification on these accounts listed. XXXX XXXX XXXX XXXX XXXX XXXX. If you can not show me proof on how these accounts were verified, please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These medical collections are not mine, nor have I even went to any medical facility. I am not sure how this person got my information, but I want it removed immediately. Additionally, I am NOT a credit repair company, and I can assure you that this is my credit profile that we are talking about.
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS EXPOSED IN THE 2017 EQUIFAX DATA BREACH, AND I HAVE HAD SEVERAL UNKNOWN SCAMMERS OPEN UNAUTHORIZED ACCOUNTS USING MY INFORMATION. THIS IS CAUSING FINANCIAL HARM TO ME. I AM ALSO UNABLE TO GET A CAR LOAN OR A HOME BECAUSE OF THIS. I NEED THESE FRAUDULENT ACCOUNTS REMOVED PERMANENTLY AND IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am experiencing significant negative impacts on my credit score and financial stability due to numerous inaccuracies on my credit reports provided by XXXX, Experian, and XXXX. These inaccuracies include discrepancies in account numbers, dates of activity, high credit limits, and account statuses for multiple accounts. Despite my attempts to dispute these inaccuracies directly with the credit reporting agencies, the erroneous information remains on my credit reports. 
Specifically, the disputed accounts and issues are : XXXX. XXXX ( Account Number : XXXX - Discrepancies : Date opened, credit limits, high credit. 
- Details Requested : Verification of the opening date, high credit, and credit limit for accuracy. 

XXXX. XXXX  XXXX Account Number : XXXX -Discrepancies : High credit, account closure status, date last active. 
- Details Requested : Confirmation of the high credit, closure status, and last active date. 

XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX - Discrepancies : High credit, credit limit, account numbers, date of last payment. 
- Details Requested : Clarification of the high credit and exact credit limit. 

XXXX. XXXX XXXX XXXXXXXX ( Account Number : XXXX - Discrepancies : Date of last payment, high credit, account numbers, status of account closure. 
- Details Requested : Review and verification of the high credit, payment status, account number, and closure details. 

XXXX XXXX XXXXXXXX ( Account Number : XXXX - Discrepancies : Date last active, date of last payment. 
- Details Requested : Validation of the last active date and the last payment date. 

XXXX. XXXX ( Account Number : XXXX ) - Discrepancies : High credit, credit limit, date of last activity, account numbers. 
- Details Requested : ** Correction of high credit values and confirmation of the date last active. 

Additional discrepancies include the dates of account openings and closings, reported balances, and payment histories. These inaccuracies are adversely affecting my credit score and financial standing.
Product: Debt collection

I have asked Waypoint for the original account number & how old the debt is. I did have a XXXX account more than 7 years ago. When i called XXXX directly they told me, they do use waypoint but could not find any delinquent accounts under my name, previous emails, or previous addresses. One account showed in their system with no information. I asked why they could not take it off if they are the ones on my credit report, and they told me to reach out to waypoint for verification. When i did they wanted my social security and a XXXX  to look up my account. The same thing XXXX XXXX did. When I refused to pay XXXX XXXX  they said they can't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I submitted a request to Equifax to have negative reporting accounts removed from my credit report but the items were not removed. This would not be my first dispute, but the accounts remain on report damaging my score and not allowing me to obtain credit or loans. 

1 ) Bankruptcy 2 ) XXXX XXXX XXXX {$4000.00} COLLECTION LAST REPORTED XX/XX/XXXX 3 ) XXXX XXXX XXXX 60 DAY LATE XX/XX/XXXX 4 ) XXXX XXXX {$880.00} COLLECTION LAST REPORTED XX/XX/XXXX 5 ) XXXX 120 DAY LATES XX/XX/XXXX 6 ) XXXX XXXX {$2600.00} CHARGE OFF LAST REPORTED XX/XX/XXXX 7 ) XXXX XXXX {$770.00} PAST DUE 120 DAYS LATE LAST REPORTED XXXX 9 ) XXXX XXXX {$120.00} PAST DUE** 9 ) XXXXXXXX XXXX {$560.00} PAST DUE** 10 ) {$240.00} XX/XX/XXXX ( 2 mos ) XXXX XXXX Current Payment Status 11 ) XXXX XXXX XXXX 30-59 Days Late
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXXXXXX account is has been getting falsely reported as closed, and the balance has been fluctuating while closed.
Product: Credit reporting or other personal consumer reports

I put in a complaint with Transunion XX/XX/XXXXand they responded XX/XX/XXXX and said that the account in question XXXX XXXX XXXX - XXXX would be deleted and removed from my credit report. According to 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
If Transunion investigated this account and decieded it would be deleted and removed that means Transunion report of me was not of maximum accuracy and violated my rights by having a inaccurate account listed on my report.
Product: Checking or savings account

I cashed a check for my brother and they trying to close my account because they cant verify his phone number and I did everything possible including going to chase with him our birth certificates and everything and they still wouldnt help.