23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX and I am now a recent widow. My loving husband passed away XXXX XXXX and he was the one paying the mortgage, while both of us is on title. 

My husband had a XXXX  some years ago and was on XXXX but that ceased over more than XXXX years ago due to him reaching a certain age. 
He incurred a lot of medical bills which we struggled to pay and while taking care of him, I was working " part-time '' which affected our income. 

I have reached out to Wells Fargo since last year after the passing away of my husband and have sent documents over and over but to no avail. 

My Home Preservation Specialist XXXX XXXX ( XXXX XXXX. XXXX ) has only talked to me once. 
Attached is an email that I sent to her requesting a time frame to no avail. 
I keep talking to different representatives like XXXX on XX/XX/2022 and XXXX on XXXX XXXX to mention a few. I don't remember the other. 
I hope they can recall the recording of my conversation with XXXX on XX/XX/2022 as it was frustrating to say the least. 
The generic denial letter dated XX/XX/XXXX was confusing, not tailored to my needs. 
XXXX said we should ignore the letter, that the only option is to sell the house and I was denied loan modification. He said I'm not eligible for FHA XXXX Recovery Modification. 
I informed him about the XXXX XXXX XXXX XXXX ( XXXX ) program but he was not that helpful to say the least. 
I want to pay the outstanding owed via XXXX as I am eligible according to XXXX XXXX the counsellor from XXXX ; dealing with her was very helpful compared to XXXX and the others. She informed us about this Bureau as she was empathetic towards my situation. 
Please come to my rescue as the bank is stalling as far as I am concerned. 
Thank you for your favorable assistance to my plight.
Product: Debt collection

I am hereby requesting the name and address of the original creditor, in accordance to 15 USC 1692g ( B ). Consent not provided. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681a ( 4 ) my rights to privacy. No consent by definition is identity theft.
Product: Checking or savings account

XXXX XXXX am a victim of identity theft. On XX/XX/year>2024 my wallet was stolen containing my Identification Card, Social Security Card, and Bank cards. On XX/XX/year>2024 I had went to the XXXX to get a replacement ID card and the XXXX XXXX XXXXXXXX Office to get a social security card issued out my address. XX/XX/year>2024 I was incarcerated by the XXXX XXXX Police department for a DUI I was let out of prison on XX/XX/year>. I XXXX XXXX am herby stating that there's no way possible that I could have initiated this transaction due to me being incarcerated as well as not being able to have access to my mailbox although our apartment manager did not fix our mailbox at the time so when I came back home from prison I did not receive neither ID card or Social Security Card because they were stolen and had to replace them both again. I did not notice that Bank of America mailed me out a check in the amount of {$2900.00} until my brother had got his check and ask if I had received mine so I contacted Bank of America on regards of my check and they had notified me that it was cashed without my consent on XX/XX/scrub> 2024. I am requesting a complete investigation from Bank of America of this matter and ask that Bank of America take action and reissue out my check and have it corrected. I have made a Police report for the XXXX XXXX Police Department ( XXXX ) as well as an Identity theft report.
Product: Debt collection

" Ace Cash Financial Group '' is threating me with a debt that I do not owe and never applied with consent. They have no verification nor confirmation that I requested this loan.
Product: Vehicle loan or lease

I fell behind on my car payments due to a medical issue. At the time, ALLY was very accommodating. I was open and honest with communication. I set up a payment plan on XX/XX/XXXX to bring the account current ( XXXX ) by XX/XX/XXXX. On XX/XX/XXXX, Ally issued the repo order and the car was towed that night by XXXX XXXX XXXX. I reinstated the account on XX/XX/XXXX, minus the tow fee, which was deferred by ALLY. Not waived, deferred, so I am still expected to pay that {$440.00} fee. My plates were surrendered to the DMV the DAY AFTER it was repossessed on XX/XX/XXXX per the towing company. They stated they received notice from ALLY instructing them to do so. The original auction date was set for XX/XX/XXXX. Within the time it took for all parties to be made aware the loan was paid and reinstated, ALLY issued a move order ( same day ) to the original towing company ( XXXX XXXX XXXX  and my car was released to a new tow company XXXX XXXX XXXX ) and MOVED XXXX MILES AWAY to XXXX XXXX XXXX XXXX. As of XXXX XXXX, my vehicle is still not accounted for. I requested ALLY provide information on the XXXX XXXX  company and if they can reverse the move order, which is called a Take Back. Absolutely no help. We did say it may be moved. Okay, but moving it after it was reinstated? It seems like youre now deliberately keeping my vehicle from me. I will admit to losing my temper. I understand this is my debt and I owed the money. The point is when you are aware that the vehicle is reinstated, why would you allow a move of the vehicle? Why would you not tell them to hold the vehicle? And why wouldnt you make it right since its your mistake and not the customer? Now Im expected to pay {$300.00} to XXXX to the auction site AND pay to get new plates/ registration all because they could not do a simple thing. Out of the 5 companies involved ( ALLY, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, State Line Auto ) with this comedy of errors, not one can tell me where my car is. ALLY has refused to provide the information. ALLY places the blame at XXXX XXXX XXXX saying they dropped the ball because the redemption hold/ no move order was to be sent from them to XXXX XXXX, and there is no accountability. Secure Collateral has submitted a request to ALLY for them to authorize a Take Back to get the vehicle transported back to XXXXXXXX XXXX and ALLY refuses. We dont do that. All I want is my car brought back and I should not have to pay additional money to do so, or be forced to wait an unreasonable amount of time since this was not my error. I am considering my vehicle stolen at this time and will file appropriately if this is not resolved in a reasonable timeframe.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had late payments on a account when i was not late. From the date of my account being open which was XX/XX/XXXX the dates have been inaccurate on my consumer report. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i was not late with payments for this account on XX/XX/XXXX XX/XX/XXXX and upon viewing my consumer report again there was inaccurate reporting on dates. Please investigate and provide proof with statements showing that these late payments were late and furthermore any repossessions and my consumer report having no inaccurate information to the best of their ability with maximum accuracy being reported. The following are inaccurate information on my consumer report ( LAST VERIFIED ) Transunion XX/XX/XXXX XXXX- nothing reported XXXX XXXX reported ( DATE LAST ACTIVITY ) Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DATE REPORTED ) Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DATE OPENED ) Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BALANCE OWED ) Transunion {$10000.00} XXXX {$10000.00} XXXX {$10000.00} ( ACCOUNT RATING ) Transunion- DerogatorXXXX XXXX XXXX Derogatory ( ACCOUNT STATUS XXXX Transunion XXXX XXXX XXXX XXXX Closed ( CREDITOR REMARKS ) TransunionXXXX XXXX XXXXXXXX XXXX- Nothing ReporteXXXX XXXX- Nothing Reported XXXX LAST PAYMENT ) Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( TERM LENGTH ) Transunion- XXXX XXXX XXXX XXXX XXXX XXXX -nothing reported... If proof cant be provided i demand all payments be updated to paid as agreed on time as they should be due to the fact i wasnt late and there are inaccurate information on my consumers report. Thanks! please see screenshots attached
Product: Credit card

Citibank , N.A . services my Best Buy credit card ending in XXXX. I noticed a fee titled " XXXX XXXX '' in the amount of {$23.00}. I used the instant message with Citibank to see what this was. I ended up calling the number provided. This is a credit card add on debt protection program apparently. The program pays your minimum payment for 3 months if you lose your job, move, divorce, etc. I asked how much I had inadvertently paid to this ridiculous program. I was advised since 2011 I have paid {$530.00}. I have no recollection of signing up for this program. Furthermore, the fee does not appear on the online portal. You have to physically open up your statement to see this fee. This is totally unacceptable. I want all that money back and applied to my card. I 'm now facing promotional deferred interest that is about to be applied to my card. This {$530.00} would cover that. Plus, who knows how much money I 've paid in additional interest. Citibank just got fined by the CFPB for this issue and was supposed to reach out to me to reimburse me. I 'm having to go through the CFPB to have them reimburse me which seems like a violation of the consent order.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the fair credit reporting act Department of educationXXXX account XXXX XXXX and XXXX violated my rights on XXXX and Experian 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report Also this is being illegally reported because on both accounts they are reporting a 90 day late payment on XX/XX/2019 when they both also reported i paid on time XXXX XXXX there is no way i can pay on time one month and then be 90 days late the very next month it makes no sense. this is causing stress and XXXX XXXX  problems as these inaccuracies are preventing me from obtaining credit
Product: Checking or savings account

My debit card was either lost/ stolen, i provided the bank with detailed information in regards to fraudulent activity on my account. on XX/XX/20 at approximately XXXX XXXX  & XXXX XXXX  my savings account had money withdrawn in 2 separate transactions in the amount of {$300.00} each plus two {$3.00} balance inquiry fee & two {$3.00} fees for using a non TD bank. Once i was aware of the charges which was XX/XX/20 i immediately called my bank, notified them and cancelled my card as well as filed a police report. it appears on XX/XX/20 or XX/XX/20 they denied my claim because it states my pin was used.
Product: Mortgage

In XXXX Select Portfolio Servicing made claim on Unclaimed funds at the Florida Division of Unclaimed property for an insurance check in the amount of {$88000.00} that was issued XX/XX/XXXX. The check was property insurance settlement check, reimbursement for a remediation that was completed in XXXX that was paid for by me. 
At the time, the check needed to be endorsed by SPS and myself in order to be cashed. SPS refused to endorse and return the check to me. Instead they demanded that I endorse the check first and then they would cash the check. Everytime I sent them the check for endorsement the returned it to me unsigned. 
Subsequently the home was foreclosed ( XX/XX/XXXX ) and the mortgage debt satisfied to XXXX XXXX  and XXXX XXXX XXXX the holders of the mortgage. 
The check became stale and the funds were eventually sent to the unclaimed property bureau of the state of Florida. 
SPS made claim on all the funds in XXXX even though they were no longer the servicer of a loan, nor holder of a note nor did they get my co-authorization. 
SPS is unlawfully retaining this money which is rightfully due to me as I paid for the repair and am due the insurance settlement. 
My lawyer, XXXX XXXX, filed this complaint on my behalf ( XXXX ) but SPS refused to respond citing that he was " unauthorized ''. So I have written a letter authorizing him to act on my behalf and have access to information regarding this matter.I have attached a copy of this letter.
Product: Debt collection

I have tried reaching out to the company and I have not received any response. XXXX requesting a removal of item This not my account and by the way this is me XXXX XXXX so please dont sent me any proganda in the mail as a stall tactic respectfully
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX I received a call from XXXX. The recorded message stated that there was a legal complaint against me and saying they were " retained '' to serve me documents at home or work. The call instructed me to hit a number to speak with someone or call XXXX. I hit a key but the line hung up on me anyways. 

On XX/XX/XXXX at XXXX XXXX I called the XXXX and spoke with XXXX XXXX. He told me that I have an unpaid Bank of America card from XXXX. After reviewing my info, he said the last four digits of the social security number was wrong. He said he would remove my number. 

On XX/XX/XXXX at XXXX XXXX  I received another call from XXXX. I didn't have time to call back at that time and hitting a key still hung up on me. 

On XX/XX/XXXX at XXXX XXXX, my almost XXXX year old mother, who is a XXXX patient, got the same recording I did saying I was going to be served with papers. She took a screen shot of the message, which the XXXX voicemail transcribed, and sent it to me with a text saying she thought I was going to be served with papers. 

On XX/XX/XXXX at XXXX XXXX I called the XXXX number and asked for a manager. I was transferred to a XXXX XXXX ( pronounced XXXX ). She stated that she was head of the arbitration department. She told me that the social on the account was mine. She also said that my mom ( the XXXX patient ) would need to call in if she wanted her number removed. I told her the name of the employee I spoke with previously and asked her to review my ssn with him as he confirmed it was not mine. Throughout this entire call she continuously interrupted me to tell me that they weren't going to help, that it was my bill, and I need to handle it. I tried to tell her I asked for all the details to file fraud the previous day but she continued to speak over me and refused to assist, then hung up. Note : I swore an awful lot during this call. XXXX was very rude and telling me you're going to continue to call my mother when you know the bill is not mine is something that takes me right past angry into furious. Please listen to the call with employee XXXX XXXX ( previous day ) or with XXXX ( don't know her last name, on XX/XX/XXXX ). 

After XXXX hung up on me, I called every number I had for the company ( there is a LOT of phone numbers for them online ) but kept getting hung up on when I would ask for a mailing address for the company. Finally, more than a dozen calls later, I got XXXX. XXXX was lovely. She said their mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. She says they have four locations. One in Georgia, one in Massachusetts, one in Texas and one in Indiana. She confirmed that around the time that XXXX hung up on me, my number and my mother 's number was removed and a note was put on the account that the social security number was wrong ( keep in mind that XXXX told me it was my social!!! ). 

I am attaching the screen shot of the message my mother received in her voicemail.
Product: Debt collection

Continued harassment and never received verification of debt. No account number no right to dispute and no proof whatsoever I agreed or was required to pay debt
Product: Student loan

I am following up on the last complaint I filedXX/XX/XXXX regarding the misapplication of my loans. 

Navient 's response claims that my payments for my loan group, XXXX, covering loans ending in XXXX, XXXX, XXXX are short. They claim that the payments made by my cosigner for loan group XXXX for loans ending in XXXX, XXXX, XXXX are over what is due. They claim their system can't handle the reallocation. They have told us that we either need to pay the exact amount due each month to the loan groups, or pay one lump sum to the account number for all 6 loans. 

The issue here is that the loan amount due seems to fluctuate wildly, and by as much as {$310.00} in the last year alone. There are loans that don't have a payment due for a couple of months at a time, and then suddenly payments due spike. For reasons I can not understand, it appears that loans have no amount due, are still accruing interest, and then suddenly we owe a lot on them. As you can imagine, trying to set a household budget when a debt payment fluctuates so wildly is nearly impossible. Add to this the fact that the wild swings in payments due do not correlate to any interest rate fluctuation. 

I ask that Navient provide a full accounting of how and why this happens. I ask that Navient now break out all 6 of my loans into entirely separate buckets so that we may pay each loan individually. We refuse to use AutoPay with them as they have proven in the past to not be trustworthy. You see, Navient used AutoPay in the past to take well over the due amount from my bank account, resulting in direct and immediate financial hardship. That's what happens when you steal from someone that lives paycheck to paycheck. 

I demand a full audit of my account, showing the breakdown of how each payment is allocated, the amount that goes to principal and to interest, and the actual total loan amount still due. I have asked for this in the past and not received it. I do not believe that Navient is accurately tracking the amounts I owe and is not properly servicing the accounts. I believe someone may actually be skimming off my payments, as I struggle to understand how I have sent the same amount each month for years, and still seem to be owing interest and large principals. 

Please also note that going forward, this will be the only way I communicate with Navient and its representatives. I have spent a decade being misinformed and lied to. Now all communication will be done in written record with a federal agency. 

Please also note that I will be following up with the Attorney General of Pennsylvania to provide them documented proof of the above bizarre payment structuring ( and yes, its bizarre. The car loan, 4 credit cards with variable interest rates, and 5 other student loans I've paid off prove this ) as they are currently working on a lawsuit with Navient for the very issues I've had. There is no reason for due amounts to fluctuate to the degree they do with Navient. The interest rates have never fluctuated at such a degree that would call for this.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFFB findings where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX EMAIL : XXXX XXXX XX/XX/XXXX Credit Bureau ( XXXX ) : ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX 
EQUIFAX- XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Correction and Deletion of Inaccurate Personal Information per XXXX XXXX  Compliance Standards To Whom It May Concern, I am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ) and request the immediate correction of inaccurate and outdated personal information currently reflected in my credit report, in accordance with XXXX XXXX compliance standards. 

Upon reviewing my credit file, I have noticed that the following information is outdated and inaccurate, and I request its removal : Incorrect/Old Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Names : Any names outside of whats stated below. 
Outdated Employers : XXXX ( was never my employer ) Old/Incorrect Phone Numbers : XXXX or XXXX Please ensure that the only information retained in my file is current and accurate. The correct information is as follows : Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Legal Name : XXXX XXXX XXXX * CURRENT CONTACT NUMBER : XXXX As per XXXX XXXX reporting guidelines, this inaccurate data should be promptly removed to maintain the integrity and accuracy of my consumer credit file. I request that these corrections be made without delay and that you provide confirmation once this has been completed. 

If additional documentation or information is required to facilitate this request, please inform me immediately. I am prepared to provide any necessary verification to expedite this process. 

Please treat this letter as a formal dispute under the FCRA and ensure that my file reflects only current, accurate information. I also request that a corrected copy of my updated credit report be sent to me once the changes have been processed. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these updates have been completed in compliance with XXXX XXXX standards. 

Sincerely, NAME : XXXX XXXX XXXX
Product: Student loan

I am enrolled in PSLF program and FedLoan has miscalculation and overestimated the number of payments that I need to make in order to be granted loan forgiveness. I called over 10+ times to FedLoans to have them re-count my payments and update my payoff date. After 2+ years and a CFPB complaint later, they finally re-counted by payments and the count is still off. I have called them again to recount my number of payments but again they say it will take several months to years. My payoff date should be XX/XX/2022. Your assistance is much appreciated. The customer service reps are not helpful. Nothing ever changes no matter how many times I call. I know the correct date because I had them mail me all of my payment paperwork and prior pay off dates listed 3-4 years ago were correct.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft..I was XXXX the time this account was open I have all the supporting documents far as police report, verification of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX and these things are effecting me ..I ask that these things be removed within a timely manner thank you and god bless
Product: Money transfer, virtual currency, or money service

Im writing this complaint because my account was closed because of vague Rules I use Cash app to collect payment from my clients, I run a consulting business. Im not disputing the fact that they have the right to close my account, My issue with them is Lack of communications I try to contact them to let them know I prefer them to mail my check to me but they forwarded my check to a close bank Account, When I contacted the institution that they forwarded the check to they told me no such payment was there it had been returned a generic e maile
Product: Money transfer, virtual currency, or money service

My problem is with Western Union Money Transfer. 
I sent {$500.00} to XXXX XXXX in the country of XXXX on XX/XX/2023. The MTCN is XXXX. The person has been unable to collect the money - her bank said the MTCN doesn't exist. I have called Western Union several times- each time they have transferred me from their call center in XXXX to somewhere in the US, and they say to give them 48 to 72 hours and they will respond by email. I haven't received an email, the person hasn't received the money.