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

I am writing regarding my mortgage account with XXXX now XXXX. XXXX has reported to the credit reporting agencies that my account is in forbearance even though I NEVER requested or agreed to forbearance, and I have repeatedly notified XXXX that I am NOT interested in forbearance and was seeking only a Loan Modification. Please help me ensure that XXXX immediately removes this Forbearance report from my Credit Report. 

On XX/XX/XXXX I called XXXXXXXX at ( XXXX ) XXXX-XXXX  to request a Loan Modification due financial challenges related to the COVID-19 pandemic. I eventually received the documents and on XX/XX/XXXX, I applied for a Loan Modification. SunTrusts acknowledgement of my application dated XX/XX/XXXX, included a notification that I was approved for a Forbearance Plan. I immediately notified XXXX by phone and email that I was NOT interested in Forbearance and was seeking only a Loan Modification. At XXXX request, I submitted updates to the application and additional documentation on XX/XX/XXXX and XX/XX/XXXX each of which XXXX acknowledged with notification that I was approved for a Forbearance Plan. I immediately responded to each notification with a phone call that I had NOT requested Forbearance and was seeking a Loan Modification. I also notified XXXX in writing at XXXX that I had NOT requested and did NOT want Forbearance on XX/XX/XXXX and XX/XX/XXXX.

On XX/XX/XXXX, I was notified by XXXX by mail that while my Loan Modification was not approved, I had the option to appeal this decision and that I was being offered a Forbearance Plan instead. I responded immediately by mail appealing the decision and indicating, once again, that I am NOT interested in a temporary Forbearance Plan was seeking a permanent Loan Modification. In a letter dated XX/XX/XXXX, XXXX notified me that my appeal was denied and that I have 14 days to accept or reject the Forbearance Plan that I had been offered. I responded immediately via email on and XX/XX/XXXX and once again rejected the Forbearance Plan. On XX/XX/XXXX I learned that XXXX had reported a XXXX  balance forbearance plan to all the credit reporting agencies, and that this forbearance was now reflected on my Credit Report. I called XXXX on XX/XX/XXXX and was advised to call the XXXX Credit Dispute line at ( XXXX ) XXXX-XXXX. The first representative hung up on me immediately. The second representative placed me on hold for 74 minutes before hanging up on me. 

I am outraged that XXXX would report a Forbearance Plan on my Credit Report that I NEVER requested, NEVER consented to and repeatedly indicated that I did NOT want. As a result of, XXXX egregious behavior, my credit score may be negatively impacted. I am also outraged that XXXX has not responded to any of my requests to remove the Forbearance from my Credit Report and has responded instead with silence and stonewalling. Please help me ensure that XXXX immediately removes this Forbearance report from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

- I had an account with Equifax , Inc. for credit monitoring services. 
- In XX/XX/XXXX I received an email from the company that my account was migrated to a new service. 
- I was never able to sign into that service. There is no customer service to help, the phone number given XXXX XXXX XXXX XXXX is is always busy and is very difficult to navigate. 
- With difficulty, I found an equifax fax number with instructions for information to provide for closure and sent it. 
- In XX/XX/XXXX, I see that I am still getting charged. 
- I sent an email to XXXX with the same account closure information I faxed 6 months ago. 
- Equifax is deliberately making it difficult to close an account and keeping on charging for a worthless service.
Product: Debt collection

Constantly calling me and calling my ( previous ) places of employment. Completely unacceptable. Asking my co workers about me and my last 4 of my social security. This is coming from XXXX XXXX XXXX. It is harassment at this point. They need to move on and get over the debt they paid {$5.00} for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within 7days of receipt of this letter. Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. I look forward to your prompt response and resolution of this matter. Account information : 1st FRANKLIN FINANCIAL BANK balance {$1600.00} 30 days late Thank you, XXXX XXXX
Product: Consumer Loan

I had a vehicle loan with Ford Credit. They had my phone # and Email account to contact me anytime they needed. They called and would leave messages of call us, but never an email or call mentioning that pay or we will repo your vehicle. In fact on their web site for my account it said nothing of pay by XX/XX/XX date or we will repo vehicle. Suddenly on XXXX/XXXX/15 a tow truck comes at midnight and takes the vehicle, I ask the guy why and he says for Ford Credit. I go in and check my account online and it says the loan is past due but still no warning of repo. 3 days later still no warning of repo, so I send internal message to their support board from my account login stating this is wrong, what is up and why no fair warning. XXXX later they close the access to web account, I get a call from them asking me to pay some payments, I ask why if you have the vehicle already? The gal says oh and hangs up on me. How can Creditors get away with operating this way? Now after 9 days ( on XXXX/XXXX/15 ) I get a letter stating the vehicle was repo 'd on XXXX/XXXX/15 and that on XXXX/XXXX/15 it will be sold at a " Private Auction '', unless I pay them the full balance before XXXX/XXXX/15 - really I got the letter on XXXX ( Saturday ) and XXXX in Monday giving me 3 days to cough up the money and get it too them!! I feel this was handled very poorly, and unfairly.
Product: Debt collection

This provider rendered services while I was in XXXX XXXX Hospital. XXXX XXXX Hospital accepted the no fault assignment at the time of my treatment and has been paid in full to the present. I was receiving invoices for medical services provided that were a direct result of a motor vehicle accident. I told the billing department on several occasions that by accepting the no fault assignment neither I nor my personal insurance company can be held responsible for any bills as per regulation 83 of the NYS no fault law. ( LINK to Reg 83 : http : //www.dfs.ny.gov/consumer/faqs/faqs_reg83_nffeesch.htm ). I gave this link to the billing department and all of the information from the no fault insurance carrier to aid in their quest for payment. Still, unrelentingly, I was sent a statement every month asking for payment. I finally told the representative to stop calling and harassing me.
On a whim one day, I visited XXXX XXXX to find that the company had post 2 negative marks against my credit. That is not only wrong but ILLEGAL to seek compensation for medical bills that are no fault. I also believe the 2 negative marks were for one incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation has taken more than 50 days please reference XXXX as this has taken 3 weeks itself the bureaus do not get months to respond... the law allows 30 days.
Product: Credit card

A XXXX XXXX credit was opened through I believe XXXX  bank in my name. And a debt was owed from that credit card that I was fully unaware of. I had made a police report and the credit card debt was bought from a company called portfolio recovery. I have numerous times fought them and the credit bureaus on how this is not mine and they have no information with legitimate evidence proving so. So I challenged both ; the credit bureaus are waiting on them as well to remove it off my accounts with them because it has already been listed as fraudulent, a police report has been made which they have a copy of and I have no supporting documents which would solidify this was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

A previous complaint ( # XXXX ) was filed about this item and the complaint closed. At this time, I will provide information that the agency COULD NOT have received any information from the 3rd party they requested information regarding the bankruptcy which they have in my credit file. The 3rd party vendor the agency requested information from has " suppressed '' public records since XX/XX/2019. Therefore, it is erroneous of the agency to state this is how they received information about a bankruptcy which they have listed in my credit file. The agency has provided false/inaccurate information in my credit file, which is a violation of the FCRA. And is also punishable by law.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed multiple errors related to late payments, which dont align with my regular payment pattern.
Product: Mortgage

Subject : Request for Reconsideration of Loan Application and Concerns Regarding Evaluation Practices From : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Mortgage Loan Number : XXXX NFCU Account Number : XXXX Dear CFPB, I am writing to bring attention to significant concerns regarding the handling of my loan application by Navy Federal Credit Union ( NFCU ) and to request a reconsideration of my application based on the outlined metrics and regulatory framework. 

Concerns Regarding Evaluation Practices Allegations of XXXX Profiling and Discrimination It has been reported that NFCU is under legal scrutiny for alleged XXXX profiling and discriminatory lending practices. These allegations, if proven, contradict the federal Equal Credit Opportunity Act, which prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, and other protected factors. 

Soft Pull Credit Report Verification In my case, NFCU has failed to demonstrate that a soft pull was conducted to confirm the substantial improvements in my credit score. This omission raises questions about whether NFCU has adhered to its stated guidelines and whether my application was evaluated fairly and accurately. 

Transparency and Compliance While NFCU has referenced compliance with federal guidelines, such as the Equal Credit Opportunity Act, there is no evidence that these guidelines were consistently applied in my case. Their lack of transparency in explaining how my application was processed and reviewed further raises concerns. 

Request for Reconsideration I respectfully request that my loan application be reconsidered, taking into account the following : Credit Score : My credit score now exceeds the required threshold of XXXX, which meets NFCU 's outlined criteria. 
Credit Relationship with NFCU : I have a longstanding and positive relationship with NFCU, demonstrating my financial responsibility. 
Debt-to-Income Ratio : My debt-to-income ratio aligns with NFCU 's requirements for loan approval, reflecting my ability to manage and repay the loan. 
Given these factors, I am confident that I meet the necessary criteria for loan approval. 

Legal and Administrative Context According to NFCUs response, the federal Equal Credit Opportunity Act is administered by the Consumer Financial Protection Bureau ( CFPB ) at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I urge the CFPB to investigate NFCU 's practices to ensure full compliance with this law and to promote equity and fairness for all credit applicants. 

Requested Actions Conduct a thorough review of my application, including a soft pull to validate my current credit standing. 
Provide a detailed explanation of the steps taken to evaluate my application. 
Reassess my loan application based on the outlined metrics and confirm compliance with the Equal Credit Opportunity Act. 
Thank you for your attention to this matter. I look forward to your response and further action to address these concerns. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Finance systems is reporting several different accounts to my credit report. I have now sent 2 letters to this company requesting them to verify the debt and they refuse to respond. It is my right to request this information and they have now denied me of this 2 times. I even called to verify their address and they are very rude. I mailed my first request in XXXX and after no response I mailed another request on XX/XX/XXXX and I mailed it certified so I know it was received.
Product: Mortgage

PROBLEM/ISSUE - I need help with my mortgage payments every since my brother passed away as we were both title owners. I have received help from California Mortgage Assistance Program which always brought me current until I can recover from XXXX XXXX crises, due to loss of income renting to traveling nurses. I am still recovering with major setbacks with keeping up my home. Loancare offered me a modification which is totally unaffordable. I did not respond within the 15 days and it went into breach. In the meantime I got a letter from Loancare advising me to apply for California Mortgage Assistance Program again dated ( XX/XX/XXXX ), letter attached, in this complaint dates are extremely important and the issue. I did on XX/XX/XXXX. Since I did not respond to the 15 day return on the modification documents and I continued to follow up with Loancare, I was advised that the modification request could be reinstated, so I did to save my home. Received documents, signed, notorized and overnighted back to Loancare. I signed the documents on XX/XX/XXXX Loancare received the documents XX/XX/XXXX. I had already applied for the State assistance and it was in the process going quite well, as a matter of fact, they had sent the lender a request for a balance to catch up through XX/XX/XXXX. I had also sent Loancare a document that I wanted the states assistance as my interest rate would stay the XXXX vs XXXX dated XX/XX/XXXX, not forgetting I had signed the documents but it was not recorded, until late XX/XX/XXXX as I just received the executed copies ( 5 different packages ) XX/XX/XXXX with a letter dated XX/XX/XXXX. As I continue to follow up with Loancare called same day packages received.XXXX early afternoon and was told the modification could not be reversed and that they have already sent a objection/rejection response stating account is in modification, which puts my head on the chopping block, because that represents I am all caught up, moving foward with a XXXX} increase in my monthly mortgage. How convenient, as I shared my plans with my lender as they had instructed me to do, which was re-apply. I was advised to hold for the escalation department, I did for 48 minutes no one ever picked up to assist, ( which is not a surprise ) I hung up and decided to take another route, this information is it.
Product: Money transfer, virtual currency, or money service

I was denied opening a bank account, they told me Chex systems reported fraudulent checks as basis for my denial.
Product: Student loan

When I applied for student loans years ago, Navient pushed me into private student loans instead of federal loans, despite me not having any federal loans. I currently have a balance around XXXX, my monthly payment is over XXXX dollars, but only around XXXX of it goes to principal and the rest is interest. Ive never made over XXXX dollar a year yet my payment is never reduced, they only offered that I can pay interest only, which is over XXXX dollars a month, and removes no principal. It has been over 10 years since Ive started paying my loan, have paid over the balance of what my loan was, and yet my balance has barely dropped due to high interest. I have requested to possibly refinance my loan, or some kind of remediation due to the amount paid against what was owed, and Navient has refused to work with my, only offering me to pay just my interest each month, which as I said is still very high and does nothing to reduce my debt, its essentially giving money away. I have paid more than my initial loan amount and have expressed financial difficulty, yet Navient refuses to assist. It should be noted that had they given me federal loans as they should have when I applied, this would not be an issue.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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: Mortgage

Dear, My loan 30 Yr Fixed with PMI used to be serviced by XXXX Mortgage and in XXXX 2014 started being serviced by SunTrust Mortgage. I had requested to pay down my principal balance to remove the PMI. I ordered and paid for the full appraisal which is great. According to my loan documents and to an email ( in writing ) from SunTrust, the principal payment should bring the LTV to 80 % in order to remove the PMI. 
and here 's what happened:XXXX- First Issue : SunTrust violated the agreements : after completing the appraisal, they informed me that mt LTV should be 75 %, therefore I had to pay more to remove the PMI ( sent them many emails and made multiple calls, but received the poorest service and never replied to my emails promptly or even acknowledged my question, have all records ). However, I was confident that my property value would be high enough so this should not pose a big financial difficulty on my family. 
XXXX Second Issue : The appraisal was wrong. After being informed of my property value, I received a copy showing the size of my condo XXXX Sq Ft instead of XXXX Sq Ft. They used the size calculation method, which impacted the value of my property. Contacted them again and was sent from XXXX customer representative to another and was told I was wrong. I contacted my association to double check the size of my property and they confirmed it 's XXXX ( also in line with first appraisal I had years ago ) XXXX Having reached a dead end, I decide to proceed with submitting a payment of {$28000.00} to an address they provided me through email ( their secured mailbox and have the records ). The address was WRONG. I had mailed my payment through Priority Mail and included Delivery confirmation and ETA was 2-3 days. 2 weeks and nothing happened and mail showed as not delivered, and I realized address was wrong. So I contacted SunTrust and asked how we can resolve, the customer service suggested to process a payment through the phone so I accepted and followed her directions. She assured me that she will add a note to my account indicating that. 
XXXX Supposedly, shortly ( less than 24 hours ) after that SunTrust received my other check and deposited. It happened in the order I provided, first processed my online payment then processed the check. This resulted in overdraft fees at my bank in the amount of {$72.00} SunTrust started also charged me a NSF. I called them, reminded of what happened and they waived it. Now they are adding it back on my XXXX statement. 
Please help, I 'm willing to provide all the documentation needed.
Product: Credit card or prepaid card

I was approved for the Discover card in XX/XX/XXXX while XXXX to XXXX. I used the card a few times online and for a balance transfer. After that, my card was declined multiple times since then and I was unable to take advantage of the 0 % introductory rate due to Discover having a security lock on my account. I was told I had to complete the IRS 4506-C form and wait for the IRS to confirm my identity. My card was unavailable for use until the IRS sent that form back to Discover. I was at the mercy of the IRS 's timeline as to when the form was complete by the IRS. Still being XXXX my credit card was never turned back on. I was told I needed to call them. I was unable to call due to being XXXX. I went on leave in XXXX of XXXX and was finally able to call Discover. I was told my account was closed because I never completed an identity verification form notarized and sent back to Discover online. I am XXXX XXXX XXXX XXXX and have not been able to get back to the US to call them. They have a chat function which I was utilizing via horrible Wi-Fi. I pay my bills via Wifi online. Discover discriminately closed my account due to my XXXX XXXX status. This is a violation of the Servicemember 's Relife Act ( SCRA ) and the SCRA was created for this exact type of scenario ; to assist XXXX XXXX members from predatory lenders defaulting to their policies that exclude XXXX XXXX  specifically. Had I been a civilian sitting in the US, I could have access to a serviceable phone in order to contact this lender in regards to my account. Discover says they closed my account on XXXX XX/XX/XXXX, after they contacted me via email requesting I fill out another identity verfication form and to get it notarized. I did that, paid {$10.00} for a notary at The XXXX XXXX and they still closed my account and state in the attached chat that they weren't successful in verifying the documents that I submitted.
Product: Credit reporting or other personal consumer reports

EXPERIAN ALLOWED FOR FRADULANT/UNAUTHORIZED INQUIRIES TO BE PLACED ONTO MY CREDIT PROFILE. DISPUTE LETTERS HAVE BEEN SENT IN AND WHEN ATTEMPTING TO CALL & HAVE THEM REMOVED, I WAS TOLD VIA A REPRESENTATIVE ( XXXX ) ON XX/XX/XXXX THAT THEY DON'T REMOVE INQUIRIES. DISPUTE LETTER HAS BEEN SENT TO THEM & NO RESOLUTION OR REMOVALS HAVE TAKEN EFFECT. 

UNAUTHORIZED CREDIT INQUIRIES NEEDED TO BE REMOVED : 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