23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to communicate grievances and escalate events of negligence and error not corrected by Planet Home Lending dating back to XX/XX/XXXX. 

In XX/XX/XXXX, XX/XX/XXXX and again in XXXX I called to correct payments not posted to my account. Each time I was asked to wait a number of days and call back. Now that my loan is no longer with Planet Lending, I CAN NOT wait. I need help getting this resolved immediately. 

Here are the list of payments made to my loan ( from XXXX XXXX ). I have indicated which ones did not get posted to my loan with asterisks. 

XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} ***** XXXXPLANET HOME XXXX XXXX XXXX XXXX {$2900.00} XXXXPLANET HOME XXXX XXXX XXXX XXXX {$2900.00} XXXXPLANET HOME XXXX XXXX XXXX XXXX {$2900.00} XXXXPLANET HOME XXXX XXXX XXXX XXXX {$2900.00} XXXXPLANET HOME XXXX XXXX XXXX XXXX {$2900.00} XXXXPLANET HOME XXXX XXXX XXXX XXXX {$2900.00} XXXX PAY PLANET HOME LENDING ON-LINE ON XXXX {$2900.00} ***** XXXXXXXX XXXX PLANET HOME LENDING ON-LINE ON XXXX {$2900.00} ***** I've called about the payments on XX/XX/XXXX & XX/XX/XXXX a number of times. I learned that I made an error in my payment through XXXX XXXX. I had listed an incorrect loan number in the initial two payments. I listed loan number incorrectly- last two digits were in error, I corrected and notified them of that mistake. 

I was told by Planet Home Lending that those payments were found and that it would take time to be corrected, post and be reflected on my loan. I last spoke to someone in XXXX at Planet about this. Till this date, the change has not made. The amount of stress, financial and mental that this is causing my family has mounted. 

Now my loan has been bought out by XXXX XXXX and still, payments made have not posted to my account from the month of XXXX and XXXX last year. Moreover, XXXX additional auto payment was received by Planet Home Lending on XX/XX/XXXX and that too was not applied nor transferred to the new loan, as indicated in the letter I received about auto pay being transferred automatically. With this XXXX payment taken out of my bank and not applied ( literally XXXX ), it will now be three payments that I've made that have not been applied to my loan. 

I've written to planet home lending- there last communication with me was on XX/XX/XXXX in writing indicating that will get back to me " within any timelines required by applicable law or regulations. '' It's not XX/XX/XXXX and I have no response from them. 

To add to this frustration, now, perhaps due to this grievance reported or maybe unrelated, XXXX ( the company who bought out the loan ) has " reversed '' my payments they recorded and listed them as a " suspense balance '' with no reason as to why. 

I am in need of help. Not sure what more to do. This is terribly stressful. Am I going to lose our home after making all the payments on time and making extra payments that they did not apply to my account, which I was forced to pay again just so I would not default. I am very very worried. Help is much appreciated. 

XXXX ( Written with the help of my daughter-in-law )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX addresses on my report that i have never lived at. And there are XXXX variations of my name that aren't right.
Product: Student loan

I have private loans from Navient. I am currently 9 months  XXXX  about to go on leave from my job as a XXXX  in a XXXX  and will be getting a small income from XXXX until I do find child care for my baby. They are unable to help me with any type of financial hardship. Both cosigners are older and only making enough social security to support themselves. They wont help me with any type of payment unless I make payments of {$510.00} each month which is INTEREST ONLY! I can barley pay my bills to live right now and they will be sending me to collections if I don't pay this month. I just don't make this type of money and it is impossible for me to make this type of payment just for a private student loan. 

I need help!!!
Product: Mortgage

In lat e  XX/XX/XXXX , I applied  for a loan modification wi th Ocwen Mortgage as m y family lost an income. I was behind in payments about 3 months but I offered to pay the amount in full during my modific ation application process. Ocwen advised they would my defaulted payments to the end of my mortgage so no need to pay anything at the time. Each time I applied and followed up with Ocwen, they were " missing '' something. I think the first time they were missing my income verification which I sent to them 3 times. My husband had monthly calls with Ocwen and was not advised of anything being a problem. However, during these calls, Ocwen would advise that my pending application had expired and I had to apply again. I applied 3 t imes and again, they were always missing something when my husband had his monthly call with them. I believe th e 2nd application was missing tax returns which I sent over multiple times. Every time we spoke with Ocwen, they  advised my modification was under review. In   XX/XX/XXXX  , the new owner of my house that was foreclosed on and sold at auction showed up at my  front door. I called Ocwen and asked why we were n't notified that we entered into foreclosure the 20 times we talked with them. They did n't have an answer. I believe they sent a certified letter about  a month before but I never signed for it. My mother, who lives with me and has  XXXX ,  may have signed and k ept the letter but we never did find it even when I had to vacate my mother, mother in law and  XXXX  children. Every time my husband spoke wit h Ocwen, he asked  about foreclosure and he was advised we were NOT being foreclosed on and they would give us plenty of notice. Again, I offered to pay what I owed in arrears b ut Ocwen sugge sted each time that they prefer to add what I owed to the end of the mortgage. Not only did I lose my equity in a house I owned for 13 years but I no longer have an impeccable credit history. Fortunately, I found a landlord willing to take a chance on me and live in a very nice home with my children and mother. In fact, my landlord asked if I would please renew my lease as he wishes all his tenants were like me. I only mention this because I went through such an ord eal with Ocwen and feel like I was blatantly lied to every time I talked to them. The emotional toll this has taken on my family is beyond measurable.    Thank you,    XXXX   XXXX   XXXX
Product: Debt collection

Had medical plan at the time, but the doctor decided to bill it anyway even thus medical doesn't allow beyond defined cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where do I begin. The credit bureaus service no purpose. They are created to destroy peoples lives and there is nothing we can do about it unless someone in power takes a stand an abolish all three of the companies. Since the pandemic, my XXXX XXXX and personal life has been affected due to the Covid-19 and the credit bureaus are making the matter worse. I reported with all my credits my financial situation and how my XXXX XXXX  has shutdown due to this crisis. The government has instructed the credit bureaus to not report consumers late on their credit report and they have disregard that request and my credit has dropped 250 points. I now have poor credit and I can't do anything to reverse this. I've made numerous disputes and the credit agencies keep saying it's under reinvestigation. Please hear me scream at the top of my lungs. How can these worthless folks still have jobs and they have ruined the lives of millions of people. I know I'm not the only one affected by this inhumane behavior. 

Due to the agencies reporting my creditors as late, many of my accounts were closed, the credit limit was reduced and my credit is messed up. Due to the incorrect reporting on my SSN, I was denied for both the PPP and EIDL government loan for my XXXX XXXX. The lender refuses to reconsider due to my poor credit. This undue hardship to my life is devastating. My XXXX XXXX is in limbo and my personal life is no more. I need someone to take this complaint serious and help me. I don't know what else to do. These agencies need to be held accountable for their bad practices.
Product: Mortgage

On XXXX I entered in to a contract to buy a house. XXXX XXXX XXXX XXXX XXXX, XXXX. I had been pre-approved for a loan, with PMI, by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, in XXXX California, on behalf of Peoples Home Equity of XXXX XXXX XXXXXXXX, # XXXX, XXXX, XXXX, which became a loan # XXXX. This loan was quickly sold to XXXX Mortgage. 
I paid {$450.00} for the appraisal and {$4300.00} in points to lower my interest rate. It turns out that the XXXX XXXX never provided a copy of a Prelim Report to the appraiser, neither was one provided to me by escrow until the morning of closing when I had to sign for it but no time to read it in the maze of papers. As a result of not being given the prelim tittle report that included 3 Property easements for SEWER LINES that cover 1/4 of the lot, along with a {$93000.00} lien the appraiser estimated the value of the property incorrectly, at {$630000.00}, when a price closer to {$600000.00} would have been more accurate given the fact the property had changed hands for $ XXXX 2 months before. I ended up paying $ XXXX. 
The loan agent had been recommended by my real estate agent who also failed to mention the easements, and the escrow company, Lawyer 's Title, was picked by the seller who does all her business thru them and forgot to provide me one till it was too late. The original prelim title report, that had been pulled for the seller, before escrow opened, that I attach, was sent to me in XXXX when I questioned my agent and the escrow. I have the one I signed on XXXX at closing, that was requested by the escrow company, Lawyers Title, from a DIFFERENT Title company, XXXX XXXX, on XXXX and provided to the agents and escrow, ONLY, WITH THE EASEMENT MAP, on XXXX, at XXXX pm, per email by my agent, XXXX XXXX. The sellers, the escrow company, My agent and Loan agent XXXX XXXX, conspired to keep the easements secret till the end and misdisclosed the HOA fees as {$30.00} a month, though they were {$150.00} per month so they gain the commissions, about {$16000.00} for my agent and over {$8000.00} for XXXX XXXX for this loan. The sellers agent has agreed to mediation, while the buyers agents declined and legal action is to follow.
Product: Credit card or prepaid card

I've paid the several accounts I have through " Bread Financial/Comenity '' on time every single month for years, and on or around XXXX my credit limit was dropped significantly on multiple accounts. The only reason I discovered this was through an XXXX alert that my credit usage significantly increased/credit limit significantly decreased. I called customer service wanting to know why exactly that occurred and these people told me to call one of the credit bureaus to see why my limit was decreased. LOL. That's hilarious since the credit bureaus aren't the ones that decreased my credit limit. My XXXX XXXX  account had a balance of around XXXX with a XXXX limit and that limit was decreased to XXXX. There was zero reason for that to occur ... which in turn drops my credit score because of the new credit usage percentage. I decided to pay it off completely and close that account, since the damage is already done. The same thing happened with my Ulta card ; I paid that off too and will also be closing that account as soon as everything processes. I have store cards through this institution for the following stores : XXXX XXXX ( paid and closed as of XX/XX/XXXX ), Ulta ( paid off XX/XX/XXXX, soon to be closed ), XXXX XXXX XXXX paid off XX/XX/XXXX ), XXXX, XXXX XXXX ; XXXX and XXXX cards will also be closed after paying them off. 
This was completely unnecessary and unacceptable when my comenity accounts have been in good standing for years. I will be paying off all of the other retail cards that I have through this institution and closing them as well since these trashy actions were taken against me without reasonable cause. I've been working diligently over the past 7 years to rebuild and repair my credit, and this probably undid all of the progress that I had made. I did not receive any notification from the credit issuing body stating that my limit was decreased and exactly why it was decreased, the only reason I was given when I called customer service was that the credit bureaus reported a change... however my score etc has remained about the same and nothing new has been reported.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third of party filing this complaint. As a consumer my rights are being Violated from the following credit reporting agencies. XXXX, EQUIFAX and XXXX. They are reporting UNVERIFIED, INACCURATE & FRAUDULENT accounts on my consumer report. And it is costing me grave damage to my reputation. I have attached several documents for your review. 
Please rectify this matter immediately.
Product: Debt collection

THEY BREACHED HIPPA. I received an account in collections through Finance systems of Toledo with absolutely no written notice. No phone call, or anything related to debt. Not only this, they have information that I never gave permission to have released through HIPPA. This is unacceptable, so not only was there a failure to file a written notice they breached my right to privacy through healthcare.
Product: Student loan

Private student loan servicer : My loans were taken out with Sallie Mae and were sold off to Navient. On XX/XX/year> my father who is my co-signer, called into Navient, agreed to make a large lump sum payment of {$69000.00} using his retirement early which he was penalized for, in the agreement that my loans would be paid for in full and we would owe nothing thereafter as I could not afford a minimum monthly payment of {$1200.00}. Since then, I have been making monthly payments with interest payments because they never removed the last loan like they were supposed to. I have not spoken to this company in many months because I got nowhere with them. They lied to him and continued to do the same to me. After seeing that Navient is a fraudulent company and plans to sell off my remaining balance again to XXXX I am compelled to seek an attorney at this point fight them on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, USDOEXXXX Account number : XXXX XXXX Account number : XXXX USDOE/XXXX  Account number : XXXX USDOE/XXXX  Account number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Mortgage

We paid a monthly mortgage on line on XXXX/XXXX/16 but did not receive a confirmation number, so the next day XXXX/XXXX/16 we looked on line at the bank statement and did not see it as pending so we went on line to the mortgage company again a did the payment and this time got a confirmation number. The next day we looked on the online bank statement and saw two payments for the mortgage one paid and one pending. We then called the mortgage company telling of this error which made an overdraft in the checking account. They said to send them copies of the bank statement a the wire routing number for the bank and they would take care of it. Well the next day we did not see anything happening so we call Nation Star Mortgage again and they said they got the fax but could not read the bank statement page so instead of calling us they did nothing because they did not know which XXXX of the XXXX phone numbers to reach us at. So we refaxed the info again and after two more phone calls and 6 hours later they said they got all the info, but now it would take 10 to 14 business day to process the fund refund back into the checking account. We are being charged {$35.00} a day to the over draft. I understand it was our error for this but I do n't understand why it takes so long to as the mortgage company says to review the paper work and refund the money when it only takes 10 minutes to pull the money from our account to start with. Now they have our extra money and are making interest off it foe the 10 to 14 days but ca n't move any faster cause of this review process, which is only having A Person look over the paper work and then issue a credit refund calling it their policy. I believe their policy is only to make more money off of situation like this, and it need to be revised.
Product: Credit reporting or other personal consumer reports

I have a negative account from XXXX XXXX XXXX on my credit report, however I've never had an account with this company. The last name on the account isn't even correct and spelled wrong. Customer service has been horrible and has given me no information nor help on resolving this issue. It has now ruined my credit and I'd like it completely removed from my credit report before I file legal action. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an inaccurate information on my credit report, put on there by Southwest credit systems, L.P. they said my balance was XXXX XXXX dollars, now after my complaint they responded and also uploaded few billing statements with my name and my former address on it, this could have been made up, it also shows inaccurate break down of service they claim i had at a former address, i have been harassed with all sorts of promotions from XXXX in the past but only remember getting internet service that was paid for on time and cancelled when i moved from my old address. The billing information they uploaded is very inaccurate and i kindly ask that they provide a full contract with my signature before accepting service that they claim i owed them {$58.00} dollars. Once again i will like to see a contract and i also will like to see documentation giving Southwest credit systems lawful rights to collect any kind of money from me.
Product: Mortgage

As you know, many Americans have faced extreme hardship. XXXX and XXXX XXXX have faced them as well, and we are trying to finalize debt settlement via short sale on their home located on XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois. The first mortgage holder, XXXX XXXX did a great job, however, we are waiting for the second mortgage lender ( US BANK ) to issue an approval as well. We originally submitted request for shorts ale approval XX/XX/XXXX and to date, US BANK, has transferred the file to numerous represntatives. Initially US Bank claimed an individual named XXXX was handling, then it was transferred to a XXXX and now we 're passed onto a person named XXXX. And each person seems to not have much care into reviewing this approval process. We request the CFPB take a look into this file, all the emails that have been sent relative to this request and ensure that US Bank is following correct protocol on this. The homeowners are so close to settling a lot of debt and finding some much needed financial relief. It is my hope that US Bank will no longer delay and expedite its attempt to resolve this issue.
Product: Debt collection

On or about XX/XX/year> a collection letter was sent from Radius Global Solutions, LLC asserting a debt of {$330.00} [ XXXX XXXX ]. I responded and sent Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX ; Request for Validation of Debt [ XXXX XXXX. ], on XX/XX/year> to Radius Global Solutions, LLC. On XX/XX/year>, they responded with XXXX ( XXXX ) pages as follows XXXX XXXX XXXX A Letter asserting that " We have conducted an investigation and are providing you the enclosed validation. " ; XXXX  ) An essential blank page showing an XXXX, MN address as a header, with a showing of the name XXXX XXXX XXXX and my mailing address ; XXXX  ) A copy of a 'XXXX XXXX XXXX XXXX XXXX XXXX showing similar information [ name and mailing address XXXX XXXX XXXX XXXX I presume that this a copy of the back of the XXXX XXXX listed in # XXXX above ; and XXXX ) An information sheet allegedly explaining Important Rights. 
I assert that none of the information provided by Radius Global Solutions, LLC provides proper validation for the debt alleged. As such, I'm reporting them because they refused to acknowledge the failure to validate the debt, and to then act accordingly. I was informed that they would not close the debt even though they failed to validate it, or provide proper validation and are unable to deny that the debt was paid when they purchased it. They suggested that I request additional validation information. I refused. My 'Request for Validation of Debt ' letter sufficiently requested the necessary information to validate the debt, I should not need to make an additional request.
Product: Checking or savings account

I noticed around the time I was getting married but we had a lot of fraud when using XXXX in my Bank of America accounts to the point I shut down Bank of America. I even disputed the charges and they sided when the fraud charges and stated they couldnt reimburse me for all the money lost
Product: Credit card or prepaid card

Card opened in my maiden name under Serve that I never opened. Called Serve and the closed the account but wanted to report this as well.