23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought my home with a VA loan through SWBC Mortgage Corp. My issue is that SWBC is making misrepresentations to me about my loan and denying me access to government homeowner assistance programs. My estranged wife became XXXX XXXX XXXXXXXX and this caused major problems when she gained access to all of my bank accounts and savings and drained all of this money. As a result I fell behind on my mortgage loan. I tried to apply for a loan modification or forbearance agreement and was told that those were not options, the only program was a repayment plan and that I would need to be " current '' before they could look at any other options. I entered into the repayment plan and made the payment for several months until the weight from the drained bank accounts crushed me and I fell delinquent again. I tried to get SWBC to work with me but they told me they would not and could not consider any assistance options until I became current. I have checked around and this is not true. There are modification programs for homeowners with VA loans but SWBC is not being straight with me and not allowing me to be considered for these programs. 

I served in the XXXX XXXX as an XXXX XXXX XXXX for 8 years. Upon discharge I entered into the private sector performing the same job for a XXXX company. My wife and I bought my home in XXXX with a VA loan.. Several months later I discovered that she had become XXXX XXXX XXXX and she moved out. She began draining money from the bank account and in XX/XX/XXXX she was somehow able to gain access and take all the money that I had. I was only a couple of payments behind at the time and contacted the SWBC agents to request help. I was told that I could enter into a repayment plan. I made these payments as long as I could but my estranged wife had gained access to all of my bank accounts and had taken all of my money to feed her habit. I finally defaulted on the repayment plan in XX/XX/XXXX. When I contacted their agents to try and be considered for other options I was told I would have to first become " current '' and then they would look at options. This was a blatant misrepresentation because I know there are several different homeowner assistance programs available for struggling borrower 's such as modification and forebearance, and you do not have to be current on your loan to even be considered. SWBC Mortgage Corp. has  intentionally denied access to government programs that they are required to make available. 

Things took a turn for the worse in XXXX when I was laid off from my job. At this time I am receiving unemployment compensation and have asked that SWBC consider me for the forbearance plans they have available for homeowner 's on unemployment. Once again, I am ignored and passed along and told that I can't be considered for any programs unless I am current on my loan. I have new employment lined up and have the means to afford a fair mortgage payment. The issue that I need to address is the delinquent payments. This is an avoidable foreclosure situation if only my servicer were to follow the rules and work with me.
Product: Credit card or prepaid card

Back on XX/XX/2019 I did a balance transfer from BBVA in the  amount of {$5400.00} that was to go to my XXXX XXXX  XXXX card, bbva sent a check with pay to the order of to XXXX instead of XXXX XXXX, XXXX XXXX  then sent me back the check saying they couldnt accept the check since it needed to be pay to the order of XXXX XXXX. I then called bbva they advised to go there branch deposit the check in my account so I went to the branch and the manager did not want to accept it. Iv been calling since XX/XX/XXXX and each person I speak with tells me something different they open a case they told me my issue should be taken care of in 5-7 business from XX/XX/XXXX we are now in XXXX and I have yet to have them funds put back on the credit card. They then asked me to fax the check with the letter I received from XXXX XXXX  I sent the fax to BBVA XX/XX/XXXX they then told me I should see the funds on the card 5-7 business days from time I sent fax witch would been Monday XX/XX/XXXX. Its now Wednesday XXXX I called them yesterday then was told they dont know whats going on and they could not give me a date when Ill see the funds back on the card but the bill is due XX/XX/XXXX. I have been dealing with this issue now going on a month and they still have yet to resolve the issue. {$5400.00} is showing owed but I have sent proof that the balance transfer did not go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel violated, disappointed, and discriminated against by all three credit bureaus, which consist of three companies who are Experian, XXXX, and XXXX. 

EXPERIAN has violated my rights as a US Citizen in the united states based on my name being of XXXX origin. I have tried numerous times to write letters, call, and email, and I even hired a highly effective credit company called XXXX XXXX 


However, the XXXX XXXX manager by the name of XXXX, has verbally told me he could not understand why Experian, out of the three bureaus, continues to report negative and derogatory items on my credit report, false report rates, incorrect BK discharge date, and will not help in any way. I was paying XXXX XXXX For four years, and my score was XXXX when I started to pay them {$89.00} a month! 

It has been four years, and Experian has my score at XXXX through the MY XXXX app in the home mortgage section, which I pay {$30.00} a month, and I am trying to raise my score to buy a house with my wife and me this summer. 

I have had challenges with all three bureaus since I was XXXX. I feel they have looked down on me from the day I tried to get new credit back in 1995, and it has been very challenging to make any progress. 

However, I pull credit daily for the past twenty-five years and see the results others have. And I have realized that my score is not based on my paying on time, how many open accounts I have, or how long but only based on my nationality. 

Now that I hired a credit company called XXXX XXXX, they are sending me letters on how they can help me and not pay other companies to help me as they are here for me. That is absurd and an absolute lie. They do not hear from anyone, and they could care less. 

I know this complaint will not make a difference right now, how ever, I am hoping it helps the future generations such as my kids who I am hoping will not have to dea with these bureaus as I hope they eventually get held accountable for the way they destroy the lives of others by not giving them the same opportunity to those who need help at the time of applying for credit. 

The way the credit bureaus are set up, if you do not need credit, they will hassle you asking over and over to get a new credit card, new loan, new car and more. 

But the moment you need it as you are in a situation whether it be short or long term, they make you feel as if you have poor credit!! 

This needs to stop! Please help me with this matter as the entire credit system is not accurate. I have been paying for almost 10 year with no lates, multiple credit cards that are always paid on time, yet they say my credit is poor!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am writing to get some help in regards to my credit report, there are some inaccurate and fraudulent account on my report, i have disputed these several times with each bureau and I haven't been able to get back a response from any of the 3 bureaus XXXX, XXXX AND TRANSUNION, please help as this is affecting me significantly.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX - XXXX
Product: Mortgage

In XX/XX/2022 I applied for a conventional 30-year fixed mortgage with Chase for the purchase of a new primary residence. I submitted the requested documentation on XX/XX/2022. 

For context, XXXX XXXX XXXX XXXX XXXX XXXX income is treated differently than traditional wages. I am paid a gross salary. Among other things, my taxable income is reduced by a designated housing allowance ( i.e., the housing allowance is not additional income but a reduction in my taxable income. It's a tax break permitted by the IRS ). 

I was pre-approved. Then, conditionally approved based on the condition that I provided a closing disclosure for the sale of our primary residence at the time. Unfortunately, the timing of the sale of our house and the purchase of a future home did not line up and we had to sell our existing home on XX/XX/2022 with a contract date on the home we were purchasing of XX/XX/2022. Several times throughout the underwriting process and just prior to the sale of our home I was told by Chase that everything looked good on the mortgage and we should be getting approval soon. I even offered to payoff some existing debts with the proceeds from the sale of our home to reduce our DTI ratio and was told that was not necessary, that everything looked good even carrying those debts. 

With being encouraged by Chase all along the way that approval was inevitable, we sold our house on XX/XX/XXXX and moved our family of XXXX ( me, my wife, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) into a bedroom at a friends house to live for the two weeks until settlement. On XX/XX/2022, out of nowhere, I was told by my loan processor ( by email ) the loan would likely be denied because Chase can not consider my housing allowance as income. Which I disagree with, but can understand. 

This is what I can not understand : I gave them all of the documentation they needed ( pay stubs, housing allowance worksheet, compensation agreement, etc. ) on XX/XX/2022. This issue should have been realized by their underwriting team well before XX/XX/2022, five days after I sold my house. It could have easily been identified as a problem by the end of XXXX and well before I sold my house. BUT I SOLD MY HOUSE. They led us on, telling us numerous times that we were headed to approval. Now my family has to back out of the contract with no where to go. 

My family is paying for the mistakes of Chase and their underwriting team. What happened is at best unethical and negligent.
Product: Bank account or service

I contacted First Niagara by secure message on XXXX/XXXX/2016 and requested that my checking account be closed. I knew there was an " Early Account Closing Fee '' of {$25.00}, so I left exactly that amount of money remaining in the account. For unknown reasons, First Niagara did not close my account as requested. As a result, they charged me monthly service charges in the amount of {$15.00} starting on XXXX/XXXX/2016. My account now has a negative balance and has still not been closed.
Product: Credit reporting

My husband and I were going through the motions to refinance. We got our credit pulled and mine dropped from high XXXX 's to mid XXXX 's. I 've done nothing different so we looked into it deeper. There is a collection on my report from a company I have named XXXX. I called them and they told me there is an account from XXXX XXXX opened in my name back in 2014. I have never had a century link account so that obviously is not me. I asked them to validate the debt and they ca n't for reasons that did n't make sense. I sent their identity theft department and email and have heard nothing back. I need help to validate this debt and restore my credit to it 's proper place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have contacted the FTC and my police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX collection accounts reporting in error on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies has stated that they have investigated these personal informations and reported accounts listed below : Incorrect name reporting : XXXX XXXX XXXX Incorrect address reporting : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX Incorrect payment status/history : 1 ) XXXX XXXX 2 ) XXXX XXXX 2 ) XXXX 4 ) XXXX 5 ) XXXXT I am 100 % sure that XXXX, XXXX, and Experian has failed to investigate my personal information and these account accuracies especially XXXX  that is no longer in business and there is no way to verify the validity of this account. XXXX XXXX, XXXX  card, XXXX, and XXXX accounts are reporting collection/charge-offs. However, none of these accounts were in collections or ever charged-off. These accounts were paid in full with no late payments. These accounts statuses needs to be updated reflecting that they were indeed closed by the customer, never late and paid as agreed. Again, XXXX, Experian, and XXXX has consistently reported each month incorrect information even after I challenged the validity and provided proof of identity.
Product: Credit card

I closed my Citi Custom Cash card and kept another Citi credit card account open. The Custom Cash card appears on the XXXX XXXX XXXXith giant red letters stating " Account Closed, '' which makes it look like it's in bad standing. On the XXXXXXXX XXXX there is an alert on this card directing me to " visit Citi.com from your computer to unlink [ the account ] from your profile. '' Upon doing this, there is apparently no appropriate option, Citi 's help function is not helpful, its chat bot contradictorily tells me you can't unlink Citi accounts online, and I was unable to contact a live representative. Please assist.
Product: Credit card or prepaid card

Lost my card was charged XXXX on XXXX for so.ething i didnt buy. They opened an investigation and almost immediately stated that no fraud was found and closed my investigation.
Product: Payday loan, title loan, or personal loan

I found that Oportun placed a derogatory mark on my credit report ( XXXX ) showing the account past due. I went to their website and printed the attached document showing the loan is paid off, and offering me an invitation to apply for a new loan. I called them they said my loan was sold to " XXXX '' at XXXX. I called XXXX, they have no record of this information after giving my social sec number and date of birth. I called Oportun back, they then said it was sold to " XXXX '' XXXX. I called XXXX and THEY have no record of any account for me after giving my social and date of birth. I called Oportun AGAIN and they AGAIN gave me XXXX 's number. After I explained that this paper says it has been paid off, they hung up on me.
Product: Checking or savings account

On the morning of  X/XX/17    I was held at  XXXX  point and robbed of my wallet and phone. The people who took my wallet ended up stealing {$3200.00} at a store. They confirmed that {$480.00} was fraud and refunded my money but the transactions ( {$2700.00}  ) th at took place after this transaction was denied. They refuse to give the remaining money back even though these transactions took place after the {$480.00} transaction. The robbers also stole {$1000.00} from the ATM. They have been inconsistence with their reasoning as to why it is being denied. Their last response was n't that the {$480.00} was refunded because it was under {$500.00} ; however, the other transactions, other than  XXXX , are all under {$500.00} as well. This company also had false reports on their account as to when I reported it then another employee said that report was n't there. They also said I called in a claim that their employee actually called me about and they had false notes on the claim. They also will not pull any images to prove that it was not me. Please see the attached images for the fraud transactions. They also have told me that I need to contact  XXXX  where the transactions took place yet they can not tell me where it took place for me to contact them.
Product: Debt collection

XXXX XXXX  sent me a letter indicating I owed {$530.00}, the original creditor listed as 'Paypal Inc. ' The letter from XXXX   referenced : Client Account # : XXXX XXXX   Account # : XXXX I have never had a credit line with Paypal ; I contacted Paypal and inquired with respect to this debt collection attempt ( and provided the above account numbers ) but Paypal was unable to locate any record of a credit line on my account. 

This seems to be a fraudulent debt collection attempt. The debt appears to be fictitious. 

Thank you for your help, XXXX XXXX
Product: Mortgage

As a mortgage holder and veteran, we receive many offers to improve our mortgage. XXXX that is especially irksome is United Services Veterans Mortgage ( NLMS XXXX ). We 've received its offers before and trash them immediately. Now I want to take action. On its envelope return address it says XXXX XXXX and its literature says XXXX XXXX. The implication is endorsed by XXXX XXXX and/or the XXXX. With its name, it gives an aura of being an official organization of the U. S. Federal government. Without due diligence, a person would be duped by this implied endorsement and fall for their product whatever the final outcome. As a military veteran, I did n't fall for it but I want action taken to prevent other verterans or active duty military members, especially new homeowners or young members, from being taken in by these dubious practices.
Product: Credit card

My credit card made a special zero % financing offer that I accepted & then they charged me interest every single month. I have called them 3 times & each time they have told me they are in the process of the resolving the issue & that I should see a statement credit soon. It 's been 6 months & I have not. They have also switched this card from being a XXXX to a XXXX. I am worried that this will get lost & never be resolved.
Product: Student loan

I was contacted via cell phone and told that I could have my {$46000.00} in student loan debt settled for over 80 % less than what I owed. I was to pay a fee of {$1000.00} first, then I would pay {$30.00} each month for the next 30 years, and then the rest of my balance would be forgiven. I took that to mean each month the {$30.00} that were being directly withdrawn from my checking account was going towards my loans. That was not the case. XXXX had not received any of the money I had paid, and I was near having my loans go into default. I paid Premier student loan for over a year.
Product: Mortgage

This is an ongoing issue, SPS customer service continuously demonstrated a lack of knowledge and is leading my property to Foreclosure. 


I applied for a Hardship on XX/XX/2023 due to the onset of XXXX and medical reasons. My situation has not changed. The written communications received are always unclear as to what is required and request the same documents that have been provided multiple times. When I call customer service, each representative provides different messages on the status of the file/unable to interpret the letters so that I can provide what is being requested. 

On XX/XX/2023 Spoke with XXXX who advised that a valuation is needed, when questioned why another customer service rep stated that one is not needed, her response was that they have a lot of new people and they don't know where to look in the system. 

Underwriting requested documents that are not applicable to my file such as " pay-stubs were received and are missing pages ''. I have never submitted a pay stub or saw any pay stub that had multiple pages. In lieu were tax returns and profit and loss statements were provided. 
Underwriting finally requested the invoices to verify my 1099 monthly income. While requesting documents that are not needed the bank statements expired and updated requested and provided. During this time the lag process providing a final decision places the account into further delinquency. 


A property valuation was completed on XX/XX/2023 immediately followed by a decision review on XX/XX/2023 and then a demand default letter on XX/XX/2023 all events happened with a 24-hour and 48-hour date timeline. Urgency is not being made to review the new application with income and assets provided on XX/XX/2023 to appeal. It is still not clear why the account is not eligible for any resolution with the new income that has been provided, instead, I received letters on XX/XX/2023 and XX/XX/2023 appears an option to one of the retention options was not checked and that correction has been made and waiting for a pending status with a default date of XX/XX/2023. 

I've followed all the requirements and still attempting to retain my home. There is a lag time between when documents are mailed and placed on the website causing issues to meet critical deadlines. I'm being discouraged from applying for credit and the right to appeal causing me grave mental anguish. Discrimination against a person with a XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks