23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This situation is in regards to the CoVid-19 pandemic that we are all experiencing and trying to get an extension on my mortgage payment. I am currently not working and have applied at several places but no one is interviewing at this time because of the CoVid-19 stay at home order. 
I contacted my mortgage company and explained the situation and they have nothing in place and they were not willing to provide any relief. They did offer a delay for 3 months but the delay would then be a one time balloon payment of all 3 months. I told them that I was not working and if I could make the 3 payments at the end of the 3 month delay, I would not need a delay. I even referred to some of the guidelines that CFPB has posted, along with the information from the XXXX  that has requested that mortgage companies give some relief. They referred to this as a forbearance, by definition, this is not a forbearance. So they were using terms that are misleading and deceptive. 
My mortgage company told me no, that they do not do that and their tactics to get me to the balloon payment was misleading and deceptive. In essence they were lying to me about how it would worked, which I feel was due to the fact that I have quite a bit of equity in my home, They even made the comment, that the pandemic was not their fault, so they should not have to do that. 
The person I talked to at GMFS was named XXXX. 
I even contacted my US Senator 's office to get assistance and they referred me to this site and to file the complaint. 
My contact info is XXXX, XXXX My mortgage company is : GMFS Mortgage Servicing XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX
Product: Mortgage

When I signed my loan documents the insurance payment was included as part of the mortgage payment. ( Attached a copy of the closure documents ). The lender company sold the loan to fifth third bank and I did not signed with Fifth Third any paperwork that implied me to purchase home insurance separately from my mortgage payment, as it is stayed on my closing documents. I request to re-open this case and review the closing documents terms I signed. They are not honoring the terms i signed with the lender company, where it is stayed the homeowners insurance is included on the mortgage payment. 
I have requested to remove the PMI insurance, as I have not missed a payment on this loan. The Bank is refusing to remove the PMI, as they stay I did not purchase an insurance when they notify me. Which I signed on my closing documents was going to be paid as part of my mortgage. They are not honoring the closing documents I signed with the lender company and are refusing to remove the PMI with no reason.
Product: Debt collection

Navient is stating that I owe {$11000.00}. My loan is for {$10000.00} and I have been making payments so I would think it should be less. I tried working our a plan for months, but they were very difficult to deal with. My acct fell further behind. They finally put me into forbearance ( deferring my loan payments ) because the repayment plans they were proposing we not affordable. This went on for years because there payment plans were too high and I knew I would fall behind again. I offered to make small payments every month, but they were not willing to accept them. I believe the years of forbearance caused my loan to incue additional interest and fees that could have been avoided. When they finally came up with a payment plan that I could afford, they said they would remove any negative information from my credit if I made payments on-time for XXXX months. They put me in a " probationary '' period. I completed the XXXX months but they did not remove the negative information. After several phones calls and letters to Navient and the credit bureaus for months, the negative information was finally removed from XXXX and XXXX, but still remains on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

false account reported on my credit report. 
XXXX XXXX XXXX I have lived in XXXX since XXXX
Product: Credit reporting or other personal consumer reports

My XXXX XXXX credit card balance was reported prematurely either by XXXX XXXX, or by the CRAs doing self-reporting. The banks have no valid reason to prematurely report credit card balances out of their normal [ once a month ] cycle. Therefore, I am very suspicious of the involvement of the CRAs. 
This complaint is to give XXXX XXXX an opportunity to respond appropriately to the matter with any evidence it can provide to clear itself, as I do not believe it was responsible. If it was they will need to deal with my attorney amicably in the matter. 

On the other hand, if the diligent investigation of my attorny finds any of the CRAs utilized their position to retrieve an out-of-cycle balance and then self-report it, there will be severe legal consequences and regulatory provisions. 

I currently do not know who acted to afrfect my balance out of cycle - my score has dropped at all 3 CRAs as a result. This is unacceptable, as I have a habit of paying my balances down to XXXX or near XXXX, prior to them being reported. 
I urge the CFPB to work with me to ferrit out the culprit, as either XXXX XXXX or Equifax is being dishonest in the matter. I hope it is not XXXX XXXXXXXX, as I only recently started a relationship with them that I was tending to grow. 

I am asking the CFPB, when you read this to identify any patterns of banks or CRAs prematurely reporting balances out of cycle, - as a new consumer advocate I plan to agressuvely pursue such behavior, given the impact it can have on a consumer for their score to be impacted unexpectedly. Today consumers are taking advantage of the credit game, acting swiftly to acquire XXXX percfent interest credit and unique offers while they last. Consumer like me do not have the time or inclination to constantly battle with the CRAs as to how they report information. I currently have numerous dispuets open at all 3 CRAs, as I'm acting very rpoactively and ensuring they follw governing law, complying with it, and more expediently instead of utilizing the 60-day window to respond when it suits them. The clock is ticking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I contacted Navient in regard to my student loans they service. My complaint was that the amounts that I am being billed for are not the amounts that were sent to the University I attended. The amounts that I am being billed for are higher than the amounts that I borrowed. Because the amounts are higher, I am paying more interest on these incorrect amounts. I mailed Navient a certified letter to look into this problem and correct the inaccuracies. I received a letter back explaining how Navient calculates interest. They also sent a copy of my promissory note. They did not research or correct my complaint. I then sent three more certified letters XX/XX/XXXX, XX/XX/XXXX,  and XX/XX/XXXX asking for them to research and correct the errors. Again, each time they responded with a letter explaining how the interest is calculated. I have attached a ledger from each institution I attended and how much my student loan was for. I have also attached the ledger of what Navient is billing me for. On each disbursement that Navient is billing me for, the amount is more than what was borrowed. I have also attached the certified tracking numbers from the United States Postal Service showing where Navient received my correspondence. Navient also is billing me different fees that I never agreed upon paying. I requested the contract that indicated I would be responsible for these fees and Navient has yet to provide the contract and the notification that these fees would be charged. Another issue that I have with Navient is that they have no record of my loan history from XXXX but I am being billed for these years. Navient has violated both the Fair Credit Reporting Act by reporting inaccurate information to the three credit bureaus ; they have also violated the Fair Debt Collection Practices Act by seeking collection of an unjustified amount and by not providing validation of the debt in the amounts they claim is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to attain my annual free credit report
Product: Student loan

I certified my employment very regularly over the years and particularly during the period covered by the waiver. I had already certified 119 PSLF payments through XXXX XXXX and then, to get the maximum waiver benefits, I applied to consolidate my loans. Since I kept getting conflicting information from Mohela, XXXX, and XXXX, I was planning to wait to submit the final ECF once the consolidation was complete ( Id been initially advised to do it that way ). 

However, XXXX and Mohela dropped the ball with my consolidation, and it got lost or stuck for about 3 months with neither entity working on it. This was despite me repeatedly contacting them about it -- I would just be told to keep waiting and no one seemed to really look into it very seriously. Finally, a rep took a closer look and discovered it was not being worked on. He and multiple other reps have told me that I was the only person this had happened to, as far as they knew. He finally moved my consolidation along, and I submitted my final Employment Confirmation Form for my 120th payment period ( and then some ) in XXXX XXXX 

It took a few months to update my counts in Mohelas online portal. It finally updated in XXXX XXXX XXXX XXXX  ( I stopped submitting ECFs once after that last one ). 

And then nothing. On StudentAid.gov, my data hasnt been updated since XXXX. Mohelas site has my 122 payments certified and has a forbearance letter in my inbox. 

While not the last contact Ive had with Mohela, my conversation with them on XXXX XXXX XXXX was particularly frustrating. The frontline rep was giving me misinformation and didnt know how to help me, so I asked for a supervisor but was told the rep didnt have approval to pass me to a supervisor. Only after I pushed back against her non-answers for about an hour did she finally get me to a supervisor. The supervisor let me know the case had been escalated. They say my case is just waiting to be worked and I just need to wait, but there is no timeline at all ( this is the most current info theyve given me ). I asked a rep if I could potentially be waiting another year, and they said yes. They say that as legislation for defrauded students, veterans, etc. goes through that my case probably gets pushed back in the line, but they dont really know.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts, XXXX XXXX XXXX XXXX XXXX  XXXX I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach and a Validation of Debt Letter.
Product: Student loan

Navient misled me and my family into a payment plan to prevent any negative credit reporting but then they reported all of us to the credit reporting agencies. The Navient representative told me that I only needed to make the XXXX qualifying payments to prevent any negative reporting on my credit and to bring my account current. This conversation was on a recorded line. 
Furthermore, I am ran into technical problems paying them in XXXX ( I used the same bank account for 13 years but they said it was my fault ). 
Here are my last XXXX payments. 
XXXX XXXX XXXX payment in new payment plan XXXX XXXX Paid for XXXX and XXXX. XXXX did n't go through? No record of them attempting a payment in XXXX. 
XXXX XXXX No one knows why they charged me. 
XXXX XXXX No one knows why they charged me. 

And somehow they are demanding {$1300.00} this month? Plus, they refuse to remove the negative report on my credit. 

Can someone please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was informed my information had been compromised due to a large security breach of a credit monitoring company. It was recommended by the company that I freeze my credit for safety, which I did. Fast forward to XXXX, I am trying to temporarily unfreeze my credit to purchase a home. Two of the three major credit companies have let me temporarily unfreeze my credit to support the mortgage process, Experian will not. The information Experian has in my account has not been updated since XXXX. Since that time I have moved and gotten married. As a result, the website could not verify who I am, even though I am giving them correct information, but their systems has me stuck in XXXX. My account has been locked and the only solution they provide is to send hard copy of sensitive information to a PO box in another state. I followed their steps to try and clear-up the issue, and now it has been 30 days, and still no response or resolution. My mailed information was delivered to Experian on XX/XX/XXXX. It is XX/XX/XXXX, and they have still not contacted me or unfrozen my account. Experian has hijacked my credit and my account. Their lack of action is impacting my ability to get a mortgage and may impact me buying a home. I am very upset with Experian. Their lack of updated information and their lack of communication is causing me and my family lots of anxiety and stress, in an already very stressful time. I don't know how to move forward, I have followed Experian 's steps and gotten to a dead end.
Product: Checking or savings account

I received a referral offer from Cashapp offering me {$5.00} if I signed up, sent {$10.00}, and linked a bank account. My son, an adult who also lives in my house, sent me the referral link. I completed thes activities and cash app refuses to award the bonus. In a chat support, they would only link to the bonus terms but would not state what qualifying activity I had not done, or if there was any reason why I wasnt awarded the bonus. In response to this question, the chat agent stated that they had already informed me I did not qualify for the bonus, could not provide more information, and that they were ending the chat.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX and XXXX has been allowing the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report said accounts held by these companies as both charged off and missed payments each and every month. This is fraud and unfair, misleading and abusive practices. Allowing these companies to reage and update the account as a missed payment is extortion! And it has a created damaging effects to my credit report and my way of life. This is illegal as they have reported the debt as a lost on their tax and still reporting my credit tell as charge off but allowing the company to extort me for more money by reporting late payments to the account. Said companies have already reported the income to my tax transcripts and income. Per the internal revenue code income can not be reported to a credit report. TAKE THIS OFF IMMEDIATELY! REMOVE WITHING 4 DAYS CONTACT THE COMPANIES AND HAVE THE FILE UPDATED PROPERLY FAILURE TO DO SO WILL RESULT IN A CIVIL 60 FOR SECURITIES FRAUD.. and a complaint into the attorney general for18 USC 894
Product: Credit card or prepaid card

I was put on a payment plan but they still call me all the time
Product: Credit card or prepaid card

I got a credit card with XXXX which is through Comenity Bank. I made my payment of {$65.00} and closed my account in XXXX. At the time, my account was telling me that it was paid in full and i did now owe. I opened this account in XXXX. 5 months later, I get a random email letting me know my XXXX Statement was ready to be viewed. I thought it was weird and logged in. It said I owed {$240.00} worth of late fees and interest charges! I was never once called by Comenity bank that these charges were overdue and I was incurring late fees after late fees each month. Not one single call to let me know! I tried to resolve it with them and they sent my account to collections and told me they have nothing to do with it now and to deal with collections. My online account is from Comenity bank and said my balance is {$240.00} and willing to accept a payment. When I called the collections company XXXX, they told me I owed {$190.00} which doesnt make sense. They have no answers to why the amounts are different and they are not willing to waive any fees for me even though they never had the decency to let me know these charges were being accrued every month. Now my credit is messed up and no one is willing to help me. I
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to see the Description of Procedure of Reinvestigation that was conducted to verify my account from the reporting that was claimed to be identity theft however came back verified to claim ( s ) # XXXX # XXXX # XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I made an in store purchase at a shell gas station using my cash app card @ approx XXXX. The purchase was {$23.00} but the charge to my cash app account is exactly double at {$47.00}. Both cash app and the merchant are giving me the run around. One of these two places owes me {$23.00}.
Product: Debt collection

I am a victim of predatory practices from LVNV LLC. The company sued me where I did not live and used lawyers to harass me. These lawyers have access to my personal credit report, my number, my residence and my employment. The company sued me and obtained a judgment against me. They obtained a wage garnishment and are garnishing {$1800.00}. They used XXXX lawyers and XXXX to represent them. I never lived in XXXX located in XXXX, CA, when they served for civil court. This was done about 4 years ago. In addition, recently I went to court on XX/XX/2017 to request claim of exemption. In court I informed civil judge XXXX about the wrongful of serving and that a wage garnishment will great a financial hardship. I have concerns about the way my rights were violated from XXXX, attorneys XXXX, XXXX and LVNV Funding LLC.The judge denied my request of exemption. These are the reasons and concerns about this matter ; my credit report currently does not show a collection reporting from that debt, 5 years ago my credit report did not show a collection reporting from that company, currently my fico score shows good standing, LVNC Funding LLC is a collection agency and a third party, different attorneys are representing this company, the attorneys have violated my rights, the judge violated my rights and I am a victim of discrimination. In court I did n't have a lawyer to represent me, and the judge allowed XXXX to humiliate me. XXXX stated, it was my fault and I asked for this, family comes second, my other financial obligations comes second and requested above the 25 % wage garnishment. In my opinion this is unlawful to harass me in such a way. Furthermore, I pleaded less than $ 80 monthly levied garnishment and that I could n't afford a wage garnishment above 25 %. Last, I felt violated at the end of the court hearing. A judge or lawyer should not be above the law.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - First time I opened a ticket due to withdrawal functionality being XXXX when trying to withdraw {$10000.00}. I attempted to review the ticket through their ticketing system, but was unable to connect as every option and link was broken. 

XX/XX/XXXX - Again I try to withdraw the same funds and was met with the same rejected error. So I opened another ticket, as my first ticket was never resolved. I would also like to mention I never received any feedback, nor was provided any way to track updates or communicate with the support team. 

XX/XX/XXXX - After receiving no response I found publicly listed emails for Binance US employees on XXXX and decided to send a last effort plea for assistance. Still no response. 

XX/XX/XXXX - I deposited another {$2500.00} successfully, with the hope that based on the following support article, https : XXXX? XXXX & XXXX, that would unfreeze withdrawals on the account. Of course the funds were immediately accepted and processed, and of course the withdrawal function was not restored.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX XX/XX/XXXX {$680.00} IC SYSTEM XX/XX/XXXX {$650.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$300.00} PORTFOLIO RECOVERY XX/XX/XXXX {$680.00} XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX BAIERL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Company has harassed every number associated in my household. I called and requested original contracts. Agent refused to give to me saying we already did which I have never received. She gave nothing but attitude and moved very unprofessional and hung up on me. The call was recorded for proof. Im unaware of the debt and refuse to take any action without valid proof of the debt.
Product: Mortgage

On XX/XX/XXXX it was brought to my attention that my Mortgage company failed to make my hazard insurance payment to the XXXX XXXX XXXX This caused them to cancel my insurance policy, and then raise it by XXXX dollars if I wanted a new policy with them. {$3300.00} for XXXX to XXXX for XXXX. Additionally I paid for a homeowners policy out of pocket for XXXX for everything but fire. Cross Country mortgage stated that they would force place hazard insurance if I didn't provide a new XXXX  page from the fair plan ( as if I made the mistake ) I told them forced place insurance was fine as it was significantly less than the fair plan. On XX/XX/XXXX I was informed that XXXX XXXX had mailed a check to the fair plan for XXXX, causing a shortage in my escrow account. I was told that this was done in error but they could not help and I needed to call the Fair plan. I then reached out to the fair plan and they assured me they would send a check back to me. By the end of XXXX I had not received the check back from the fair plan, nor a declaration page from the forced placed insurance. I called cross country and requested the XXXX page and asked yet again for help getting my escrow account corrected. They assured me they would send me a copy of the insurance, but again stated there was nothing they could do to help me with my escrow account, even though they had admitted it was there error. I called the fair plan again and was told it was being escalated to accounting and to call back in XXXX business days. when I called they said they had received the check, that the policy was forced placed? My mortgage payment went from XXXX, to XXXX and a week later they put a forced placed policy charging my escrow account another XXXX as of today XX/XX/XXXX they have charged me over XXXX out of my escrow account and nothing has been done to correct it.