23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a mortgage through Navy Federal, and was prequalified for {$400000.00}. We found a home we like and signed a contract to buy it for {$280000.00}. The Navy Federal Loan Processor, XXXX XXXX, NMLS # XXXX, advised us the anticipated closing date of XX/XX/XXXX would be " no problem '' and that she would get everything processed. 

She then handed off our loan to XXXX XXXX XXXX, NMLS # XXXX, who appears to be junior to XXXX based on their titles. This was the first inklilng we got that there might be trouble - XXXX immediately started backtracking and claiming they may not be able to close on time, and demanded additional documentation even though my loan had already been approved. One of the additional items she demanded was a copy of my bank statement showing the earnest money check had cleared. I sent it to her, redacted showing only the relevant transaction, and she demanded an unredacted version showing every single transaction through my account in the prior month, and proceeded to threaten me - if you don't send it immediately your closing will be delayed. Even though it is none of her business, we had nothing to hide so I immediately sent an unredacted copy. 

That wasn't enough, however. Despite us signing a contract in early XXXX, they didn't get around to ordering the appraisal until XX/XX/XXXX, and she claimed they were doing everything they could to " rush '' the appraisal, but in actuality they did nothing - they never assigned the file to an appraiser, blaming an intermediary they hire for the delay. 

As it became closer to the closing date and XXXX was still making excuses, I reached out to her boss, XXXX XXXX, MLS # XXXX. She seemed to be trying to help, and said that hopefully although they couldn't get an appraiser willing to do their job, she would work with the appraisal underwriter to get them to accept an electronic appraisal. Finally I had hope of actually meeting the closing date - appointments had already been made for the closing, utility connections, driver 's licenses, etc. that I didn't want to have to cancel. Unfortunately, she emailed back and said they would not accept an electronic appraisal, and not only that they would be closing my file. This after running a second credit report on BOTH my wife and I, because they had a typo in a single digit of my wife 's ssn the first time around, that did not prevent them from getting the report. 

I emailed XXXXXXXX XXXX boss, an individual named XXXX XXXX, but he was too busy or too lazy to bother answering my inquiry, so I'm filing this complaint. In the meantime, on a Saturday no less ( yesterday ) I received an electronic denial of credit letter - informing me that my mortgage was denied due to inadequate collateral. The collateral is NOT inadequate, nor do they have any reason to believe it is inadequate, they made no effort to determine it's value other than supposedly listing a request for an appraisal that none of their appraiser 's picked up. 

This is clearly a false reason for denial, and they did not make sufficient effort to obtain an appraisal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

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 an 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 or 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 data is inaccurate.
Product: Vehicle loan or lease

This should be posted as a criminal complaint Mailed ally a check on XX/XX/2022 in the amount of {$690.00}, and they swept it under the rug. On XX/XX/2022 our bank statements/ records show a withdrawal from ally ally payment in the amount of {$690.00} withdrawn from my account. I called ally numerous times, sent a few written letters requesting them to correct their defect and fix the mess they created, they knowingly and falsely reported me to the credit bureaus, with late charges to date, they deny that they withdraw that payment please note with the XXXX they have thousands of complaints of the same nature and lawsuits for criminal practices, THANK You FOR YOUR HELP Please note I had to take drastic action to protect myself and my family from ally again thank you.
Product: Debt collection

I received a call and they said they were from Ally Financial Institutions ( the company that has a line on my car ). I had to verify the account for them and we did it through my social security number instead of account. Immediately I noticed the person 's XXXX was poor. Then they said my account was in collection, which I knew to be untrue. I hung up but they already had my social. I called Ally to verify. They were unconcerned and offered zero assistance, only verified that my auto loan is in good standing. At the end of the scam call, the person stated they were from a law office and not Ally. The incoming number can also receive calls and the scam number was XXXX XXXX XXXX.
Product: Vehicle loan or lease

In XXXX of 2022 I mailed correspondence to ALLY FINANCIAL 's registered agent XXXX XXXX XXXX certified mail with return receipt giving them 30 days to provide specific information regarding the alleged " loan '' they claim that I owe. They received the letter on XX/XX/2022. I also made a complaint to XXXX, Michigan Attorney General, the Federal Reserve, and a CFPB complaint. In the midst of this, ALLY was continuing to attempt to collect payment until I called ALLY and made them aware of the violation, which at this time ALLY was in default of the notice that was mailed. I received a letter dated XX/XX/2022 AFTER the phone call making ALLY aware of their violation. In this letter from ALLY XXXX ALLY XXXX, XXXX from XXXX XXXXr XXXX mailed correspondence that did not satisfy the requirements of the conditional acceptance. In my letter to ALLY I stated that : No negative reporting shall be furnished, there is to be no third party communication, I demanded a validation of the alleged obligation i.e. Ledgers public and private, Verification of claim- a signed invoice, and a copy of the contact between ALLY and MYSELF, and if the specific information requested can not be provided I will consider the debt discharged. I have not received the information requested. An amended opportunity to cure within 15 days has been sent on XX/XX/2022 certified mail with return receipt to again allow ALLY the chance to send what I have requested. If they can not produce what is asked ALLY and myself are to consider the debt discharged and release the lean and security interest from my vehicle and grant me my title, and reimburse the amount of {$4500.00} that has already been paid to ALLY by check to the return address on the certified letter. This is to avoid any legal action that can be taken. 

Additionally, prior to the conditional acceptance, I sent an indorced remittance coupon for ALLY to credit the account. There is no law stating that remittance is not a form of payment, on the contrary, this is the correct way to pay an obligation due to XXXX XXXX. I have followed the Bill of Exchange Act as how to indorce a remittance coupon and according to UCC 3-603 if tender of payment is not accepted the amount tendered to pay is to be discharged. ALLY refused the payment, and did not send the indorced coupon back which is now considered theft if my account has not been credited for the amount remitted. ALLY has instead negatively affected my account and credit report by marking it late and imposing late fees, they have also restricted my account and forcing payment in a specific way which by law should not be done. ALLY has a fiduciary responsibility to myself as the beneficiary to act in my best interest which they have not.
Product: Student loan

I could not find a more appropriate category, but I am struggling under the weight of my federal student loans. I elected to participate in public service loan forgiveness. I am on the income based repayment plan. I am grateful that the program exists, but if for some reason the program does not exist in 3.5 years when I complete 120 payments, I will have paid more than {$100000.00} and paid no principal at all. 

I have made 76 payments as part of the program. After 76 payments, I have paid {$51000.00} in interest and nothing on principle. The only principle satisfied on the loan was part of the State Department 's Student Loan Repayment Program, a taxed student loan forgiveness program for people working in war zones. That amount was {$5300.00} after tax. The current bill still shows interest owing on the loan. 

Making matters worse, my university tricked me into signing private loans. The loan officer, now retired, told me that I could not finish school if I did not take out private loans totaling {$50000.00}. I consolidated those loans through XXXX, but the variable interest rate is approaching 6 %. My student loan payments now top {$1300.00} a month and I have paid no principle at all.
Product: Checking or savings account

I notified USAA of fraudulent activity on my checking account in XX/XX/2021- they credited my account the missing funds, then a month later they said they determined SOME of the fees were fraudulent and SOME were not. All the same location and taken the same day. They notified me they were closing the account because I REFUSED to pay them over {$5000.00}. I called more than 3 times to ask why some of the charges were deemed fraudulent and some were not- I NEVER received a response. Now I cant open an account anywhere else.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  , XXXX XXXX  XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place.

I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX  didn't respond to the dispute letters I mailed off on XX/XX/2020. I also purchased the credit monitoring membership for XXXX  and Experian and the the erroneous accounts state " IN DISPUTE ''. This has been the status of their investigation for over 3 months. This violates the Fair Credit Reporting Act as each bureau has only 30 days to complete the investigation.
Product: Debt collection

XX/XX/2021 a delinquent account listed as Harvard Collections appeared on my otherwise perfect credit report. The open date reported was XX/XX/2021, and the original creditor XXXX XXXX XXXX XXXX. The amount {$200.00}. 
I've never been contacted by mail, or phone by Harvard or XXXX XXXX XXXX. I've never been billed by either entity for anything, never lived in Illinois or had any financial dealings with that state so I disputed the entry with all 3 credit agancies. The information was not removed. 
I called Harvard Collections with the account number and was told that there is no statute of limitations on State Debt, however, I know there are limits on what can be reported. I asked for verification and was given a phone number for XXXX XXXX XXXX. I called 4 times and no one at XXXX XXXX XXXX could find any record of any debt owed by me. The negative information is still impacting my credit score and access to fair interest rates. If I owed a debt I have never known about, I've never been given the opportunity to even pay it prior to this damaging information being reported. It's extortion without causation or avenue for remedy.
Product: Student loan

I transferred my student loans to MOHELA in XX/XX/XXXX, as my previous loan servicer had advised me to since they were closing and MOHELA was taking over all PSLF accounts. I submitted my employer certification forms to MOHELA in XX/XX/XXXX, and 90 days later ( as they state ), my application was denied because my previous employer XXXX was filled out incorrectly. I submitted 2 forms, one for my previous job and one for my current job. The current employer form was approved but the counts were incorrect. When I called the company told me the counts would correct themselves once I was completely approved.

I get my previously employer to fill out the form again and re-submit it, and MOHELA tells me I have to wait another 90 days for it to be processed. In XXXX I was Denied so I call to inquire and they said its denied because of how the form was filled out ( my previous employer wrote a note about my part time employment there in addition to my full Time employment ). They requested I fill out a new form for that employer, so I contacted them, had them fix the mistake, and resubmitted the form in the same month. The processing speed was much slower this time and my status for the form changed from Processing to Processed in XXXX. I call because I have no letter or any info and they said the dates were entered on that same employer form incorrectly ( XXXX XXXX vs XX/XX/XXXX ) so that it was denied again. I requested to speak to someone higher up to better understand how my old employer kept filling the form out incorrectly and to ensure it wouldnt get denied for anything else. The representative I spoke with put me on hold to speak to a higher up but I was on hold for over an hour so I hung the phone up. I again re-submitted the form asking my previous employer to fill it out again, with the changes noted, and she did. I submitted in XXXX and now am waiting again for either an approval or denial, for another 90 days. 

I cant help but feel like its unfair that they keep making me wait 90 days for approval. On top of that they said my current employer counts wont be on the account until Im fully approved. So I feel like this complaint is warranted, aside from the fact I dont trust them. I have all my letters from my previous loan servicer as of XX/XX/XXXX because I cant trust MOHELA will accurately determine my counts. All the staff have different info and tell you different things. My employers have always counted before the revisions to PSLF and one staff member of MOHELA told me my loan didnt count ( unsubsidized ). Theyre incredibly inconsistent and its so frustrating for someone who is just trying to get her PSLF forms processed.
Product: Credit reporting or other personal consumer reports

Incorrect information on my report that I want removed in the next XXXX hours
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Experian Credit Bureau regarding their handling of my identity theft case. Despite following the proper protocol as outlined by the Federal Trade Commission ( FTC ) for identity theft victims, and as stipulated by the Fair Credit Reporting Act ( FCRA ), I have yet to receive any response from Experian. 
I have submitted XXXX separate complaints to Experian on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> Each complaint included all required documentation and information as recommended by the FTC for identity theft victims, including an FTC Report and a Certified Police Report. It has now been approximately XXXX days since my initial complaint, and I have not received any acknowledgment /response from Experian, nor has these fraudulent account been removed. 
The lack of communication and action from Experian has caused significant distress and inconvenience, as my credit report remains compromised. I am seeking assistance from the Consumer Financial Protection Bureau to ensure that Experian addresses my complaints promptly and takes the necessary steps to rectify my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.
Product: Debt collection

Letter dated XXXX XXXX 2017, I received a welcome letter from PayPal, Thanking me for opening a Paypal Credit account. This letter stated they already emailed a notice to XXXX. I called paypal as soon as I received this letter, notifying them that I did not request to open a credit account and the email mentioned in the letter was not mine. Paypal continues to send bills to my home address. Paypal informed me to file a police report, I refused. Paypal opened this account with online information which had to be lacking in verification and proper procedures. A paypal representative explained that the initial opening of the credit account was charged with a {$14.00} purchase. Days latter they contacted by my e-mail, not XXXX of attempted purchases in access of {$1000.00} dollars which they said they rejected. For the life of me, I could not recall how Paypay had any information on me. A few days ago a bought a tool online through XXXX using a credit card. It turns out, paypal and XXXX have some sort of agreement, and I must of had to pay XXXX through paypal years ago using my credit card, not any paypal credit account. I have closed and deleted my accounts at XXXX  and will continue to do so with any site associated with paypal. I wonder if paypal representatives are earning incentives for opening Paypal credit accounts, like XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX, XXXX and XXXX XXXX
Product: Debt collection

XXXX has not communicated with the collection agency that the XXXX box has been returned!
Product: Credit reporting or other personal consumer reports

This account is reporting late as reported in my 3 Credit bureaus. This account should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have an account with XXXX. Several of my credit cards were fraudulently used to book various hotels in XXXX. 

As I became aware of these charges and actions, I immediately contact XXXX customer service and the hotel itself. I recorded the conversation as evidence. 

I further disputed the charges with my bank, Bank of America, who resolved the issue in favor of XXXX. 

At this point, I am so distraught and in awe because the organizations that were supposed to protect me and confabulating against me and embezzling my hard earned money. Not just my hard earned money but my mothers monies because her card was also charged. By the way, she is a senior citizen. 

I hope you can help me with this matter. Im supplying the transcript of the call for you to review and take into consideration. 

This is amoral and someone needs to do something to protect citizens from these people inflicting pain. 

The federal government has a responsibility and oversight over banking institutions who are abusing their power and creating exploitation mechanisms to get rich. Bank of America has a history of usurping the poor and not protecting the interests of those who they have as customers. I will definitely consider where I deposit my money in the future.
Product: Vehicle loan or lease

PARTIES TO THE AGREEMENT 1. Secured Party : XXXX XXXX XXXX, Heir and Assign ( hereinafter " Secured Party '' ) : 2. Debtor : Pentagon Federal Credit Union ( " PenFed '' ), its agents, assigns, or representatives ( hereinafter " Debtor '' ).

RECITALS WHEREAS, the Secured Party is the lawful and rightful owner of all titles, securities, accounts, instruments, applications, and assets arising from or associated with the estate of XXXX XXXX XXXX ; WHEREAS, PenFed has engaged, or may engage, in financial activities including monetization, securitization, issuance of interest, dividends, or coupons involving said assets without direct authorization from the Secured Party ; NOW, THEREFORE, the Secured Party asserts this Self-Executing Security Agreement as binding under the terms outlined below :