23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to Navy Federal sluggish response and reluctant to provide in writing outstanding documents needed to process my mortgage loan in a timely manner I incurred additional cost. The appraisal was received on XXXX, while a request for renovated garage documentation was received on XXXX. A total of 5 Business Days after the appraisal was received and uploaded to my file. I then requested that underwriting decision be provided in writing as a disclosure so I can forward the request to a third party ( seller ). It took Navy Federal an additional 5 Business Days to provide a denial in writing showing the loan was not approval based on collateral. Once the loan was denied on XXXX, the seller amended the purchase contract and proceeded with obtaining a permit for the renovated garage. I called and left a message with mortgage banker on XXXX for appeal process. Also called the contact center an additional two times on XXXX for any information on the appeal process. Mortgage banker returned my call on XXXX, at that time forward the amended purchase contract and confirmation of the permit application in process on XXXX. Mortgage banker called with update on XXXX that a written XXXX  for a appeal is needed to move forwarded. Email XXXX provided on XXXX.Appeal was accepted on XXXX and loan sent for Final Review on XXXX XXXX received on XXXX, final cd and closing instructions sent to title on XXXX. Final CD disclosed at XXXX on XXXX for closing on XXXX. As evident in the timeline, all request were received from me in a timely manner. While on multiple occasions Navy Federal took several business days that wasted valuable time.
Product: Checking or savings account

I made 2 deposits on XX/XX/XXXX ( {$33000.00} and {$9200.00} ). I am a retailer at XXXX for at least 4 years. I have been making deposits ( amounts alway vary ) on the XX/XX/XXXX of each month for this entire time. Been a WELLS FARGO customer for almost 20 years. ( 2 of my cards say customer since XX/XX/XXXX ) To my very disappointing surprise I learned from XXXX at the XXXX XXXX branch on XXXX in XXXX XXXX XXXX that {$28000.00} is on hold till what could be until the XX/XX/XXXX. 11 days after its deposited!!! XXXX XXXX even called him to confirm the funds were there and as of this morning XX/XX/XXXX the funds are still not there. Totally wrong to do to an established customer. This is very irritating to me. Does WELLS really want me to move to another bank. Take a look at my account and see how much money I run thru there. 
Ive also left a message on XXXX XXXX phone at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified TransUnion via certified mail that I am requesting the method of verification for the disputed account listed below within 15 days of the date on the letter. TransUnion has failed to acknowledge my request or to comply with my request in the time allowed. Please see letter attached that was sent to TransUnion via certified mail on XX/XX/XXXX. 
Dispute Account : XXXX XXXX Account Number : XXXXOpening Date : XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX i requested Verification of the debt, including a complete breakdown of the debt amount, including any interest, fees, all payments made or other charges claimed, and proof that the original creditor had the legal right to sell a debt they claim i owe. 

On XX/XX/XXXX i get a response that did not provide any information to what i requested This was my second attempt for verification of debt from LVNV and they still havce not provided any proof. Meanwhile they continue to report this claim to the major credit bureaus causing significant damage to my credit rating
Product: Credit reporting or other personal consumer reports

INCORRECT INQUIRIES : 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: Debt collection

They asking to collect {$560.00} on my credit car XXXX XXXX XXXX I had in 2012. I had never spent that amount I tried to resolve it with XXXX XXXX and told them they need to show evidence where and when I charged that about in my card, they did n't show any. 
Now I 'm asking the debt collection company through XXXX  dispute to show me the evidence where and when I charged that amount it was not me I never spent that much do n't know where they get that from and put into my credit report for almost 6 years now. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on Equifax and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Product: Debt collection

On XX/XX/2023 American Express XXXX left a voicemail on the general voicemail box of my employer saying that my account was past due and that I needed to remit payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Fed Loan Servicing and had spoken with a supervisor today. The supervisor was very helpful. And she also gave me detailed info about communication attempts for an income Affidavit sent. I both mailed and faxed over proof of income. I also sent over assistance proof for supplemental food payments, housing assistance, and energy Bill assistance via mail and fax. I called after I noticed that Fed Loan Servicing was reporting XXXX behind when I never committed to a payment due to employment not being gainful due to failed attempts to contacting me. The email and number on file were not active and/or able to be accessed. I appreciate the clarification of information from the supervisor on todays call, I was just taken aback when she notified me of a letter I never received communicating that I will have to pay the balance in full. I never received it to the address on file. I still currently live at the same address. Full payments always evokes a sense of urgency in me. So, I know I never received the letter in the mail.
Product: Credit card or prepaid card

No credit for a reversed transaction. 
XXXX was charged on XX/XX/XXXX; reversed on XX/XX/XXXX -- demand for payment on XX/XX/XXXX XXXX! 

Phone call did not provide solution.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion put a fraud alert on my credit report. I think I was able to remove it this past XXXX  XXXX  XX/XX/24. This has already caused be a problem opening up a saving account with another company. I tried to call them this morning XX/XX/24 to check if in fact it had been removed and was immediately transferred to someone in XXXX. The agent immediately wanted my SSN. I immediately asked her to transfer me to an agent in the XXXX because I am not going to give my SSN to someone who in not even a XXXX XXXX. 
I am sure I did not put the fraud alert on my credit report and I want details about who did and why.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Santander Consumer USA to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Santander Consumer USA to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX  as of XX/XX/XXXX.
Product: Student loan

Please see the attached letter that I received from MOHELA dated XX/XX/2023 from a complaint that I filed against it with CFPB. 

I still have not received the {$1700.00} refund despite the letter stating that the check due to me would be issued via mail from the US Department of Treasury and that they will facilitate the process within the coming WEEKS. 

It's been more than 4 MONTHS.
Product: Debt collection

As of XX/XX/2019, I, XXXX XXXX, received false information from XXXX XXXX   XXXX/Compliance Admin CWF through the CFPB portal response from previous complaint XXXX. She stated that she sent a Validation letter in response admitting that she received it on XX/XX/19. I have yet to receive any documentation from her office. Also, the date noted above show that it is past the 30 day time period which may be another violation. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given her way more than 30 days to remedy the situation, which is a very reasonable period. I have received no reply from her, though I did send confirmation via certified mail # XXXX XXXX XXXX XXXX XXXX that her office did receive my letter on XX/XX/2019 at XXXX XXXX. As of XX/XX/19 the agency, has failed to respond in a timely and a 30-day non-response letter will be sent. 
Secondly, even if she may have sent a request to deletion of the tradelines from all credit reporting agencies pending investigation, by law she would have to respond to the consumer which is me, XXXX XXXX, and have yet to received any of this documentation as well. 

Because I have not received any validation letter as she misstated, the agency may be in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from her agency by filing a claim in small claims court. I intend to follow up if I do not hear back from you within 15 days. 

If possible can she please explain the reason as to why she stated she sent a validation letter when in fact she did not.
Product: Checking or savings account

I filed for a small personal loan through what a I thought was a legitimate loan company " XXXX XXXX XXXX '' based out of California. I received a telephone call from the " representative '' clarifying the information on the application. In going over the information, the representative stated that he had my bank password, which he proceeded to tell me. Surprisingly, he did in fact have my password. At no time, did I provide my password to him. He transferred money from one account to another, making it appear that the loan was granted. However, TD Bank is stating that fraud was not committed as they are stating that I willingly gave the password to the caller and authorized the three separate transactions.
Product: Mortgage

Wells Fargo sold my mortgage without me and my wife knowing it, I never received a servicing transfer notice, I began receiving letters from lawyers stating my home was up for foreclosure with XXXX XXXX XXXX, this is how we found out that our loan was transfered, I began seeking counsel, my home until today is up for foreclosure, My lawyer have petitioned sheriff sales and now found out that XXXX sold my home in a sheriff sale back to Wells Fargo, after it was petitioned but still was sending me foreclosure notices after the suppose to be sale date after I have been making several attempts to petition the sheriff sale, we spent several thousands of dollars paying lawyers. Wells fargo have not given us a chance to do a modification they are not out to help the lender, it has been 5 years and now they are telling me it is to late to save my home when I did not even know they sold it..unbelievable
Product: Money transfer, virtual currency, or money service

I am running for XXXX XXXX. 
I use the open source software called XXXX to collect federally required donor data- and to manage my communications with my donors. 
I have used this software since before XXXX and had the same account with Paypal to process donations and the process works flawlessly, reporting the donation, referring to paypal as the trusted processor- giving the donor the choice of using their own paypal account or a XXXX  or Debit card, transferring the donation amount to the paypal portal- then cycling back to the software about the transaction completion- including the fee amount. 
Paypal then has the money- and IS HOLDING IT- saying I don't have a reputation as seller of goods and service with proper shipping etc- I told them, I've had the account since XXXX and have used it everytime I've run for both local and federal office- and it's always released funds. 
They are illegally holding my funds- and stopping me from fundraising or campaigning. 
They claim their fraud protection AI is the cause- and they can't fix it. 
In the meantime- I believe they are illegally withholding political donations. 
I've trusted Paypal for a long time as a good payment processor- I will no longer recommend them to any of my clients ( I run an ad agency that builds websites for small businesses ). 
Currently, they are holding {$340.00} XXXX collected {$1000.00} without even trying- and they allowed me to transfer out {$800.00} I've delayed sending out a fundraising solicitation for XXXX weeks while I've been given erroneous information from their tech support people on how I have to somehow use their portal- or change my donation page to them exclusively. 
Neither of which is true. 
Their support sucks. 
And, according to their records my account is properly labeled as a political campaign - even though I can't find that info in their portal.
Product: Mortgage

It all begins when I purchased a newly built home in XXXX XXXX, XXXX Georgia and the seller and Broker got me a loan with XXXX XXXX Mortgage and then the company went belly up within XXXX days. As a result my loan was then sold to XXXX XXXX XXXX unbeknown to me and without my permission who also got in trouble for bad loans and sold my loan to this company based out of either XXXX, Nationstar Mortgage. Ever since my loan has been taken over by Nationstar I receive weekly XXXX or XXXX times a day telephone calls from them and letters in the mail and XXXX delivery trying desperately to convince me to refinance my loans with them. I initially asked questions and realized very quickly that they do not operate ethically or in the interest of the customer and are out to do more damage than good. I have updated my account profile and asked them repeatedly to stop calling and contacting me all day and night every week for at least XXXX days about refinancing with them because I am pursuing a loan with other lenders. It is truly unfair to innocent customers like myself whose loans were bought by XXXX XXXX as a result of the XXXX Mortgage debacle and then sold to these unscrupulous lenders such as XXXX XXXX XXXX that has taken advantage of customers in the past and still remain in business with profits. 

Also, since Nationstar has taken over my loan which is approximately XXXX years or more now, the also have paid my City , County and Insurance late and applied the wrong amounts and servicers without my authority. Last year they paid XXXX XXXX insurance company that I contacted for information and quotes on my home. I was in the process of getting rid of XXXX XXXX insurance that I had for all my homes for the past XXXX years because they constantly raised my rates even though I never had filed a claim until last year due to a hail storm that damaged my roof. After receiving XXXX quotes I decided to go with XXXX XXXX which provided me with over {$200.00} in savings. Nationstar not only paid XXXX but also paid XXXX XXXX when I took the time to contact them as soon as singed my Home policy to let them know I was discontinuing with XXXX XXXX and not to pay them. Well to my surprise they paid XXXX XXXX at the time it was due late of course then also made a payment to XXXX XXXX months later and my XXXX balance was way low and then they increased my mortgage payments for the shortfall. I had to make numerous calls to get this debacle rectified. 
I have conducted research on Nationstar since I had not heard of them prior and read multiple customer reviews about how they offer refinance and put consumers through a lot of trouble and lose documents then change the terms over and over again and some have even lost their homes due to foreclosure. Of course I was horrified and it definitely confirmed my suspicions about this company and why I am not interested. I still receive calls and letters every singe week which is beyond annoying and what I know as harrassment. Please provide some remedies to innocent customers such as myself so I do not have to go through this ordeal again and again. Thanks in advance.
Product: Debt collection

I provided the school I was attending the address that I would like information to be sent to which was also my home address. I spoke with the collection agency ( progressive ) the other day in regards to my paycheck being garnished and was informed that they sent notices to my ex boyfriends address ( a address I never provided them with ). I was informed by the collection agency that they sent the information to my current address which I find impossible because they had the wrong address on file when I called in. The collection agency then went on to state that they sent information to my job regarding the garnishments which again is information that I never received. I did informed each representative that I was recording the call and each still gave me very rude service and unwilling to help me to understand the situation. Even informing me that I could go to the post office and request a list of returned documents which the post official is stating they only do for packages. As far as the loan goes when I was in school do to health issues ( still present health issues ) I had to drop out ( the school stated that they could not take the risk of having a student with my condition stay in the dorms ). I had made several attempts to pay toward my loan through the school and never received accurate information ( I also have documents to verify ).
Product: Consumer Loan

Trying to get a loan and found a misc. mark on my credit report. I was never notified by mail about this matter, when I called the company the address they had on file for the account I never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I am reaching out because I seen two incorrect reports on my motor vehicle report. Unfortunately my XXXX XXXX drives without a license and when she does get pulled over uses my name. At the time of both of those incidents I was working. I have been trying to work on getting my record clean and free of any reports made to it. I think its very unfair to me that I have these incidents on my report seeing as I wasnt the one that received them. I have points on my license for something that I did not do. Not once did the officer think to check her id because if they did they wouldve seen that she isnt me and not even close to. I just want to be able to remove those two because I did not in any form authorize for her to use my name, address, or lie on my license. Please help
Product: Checking or savings account

On XX/XX/XXXX I purchased a cashier check in the amount of {$12000.00}. Immediately after receiving the check, I left the bank enroute to XXXX. I placed the, check, wrap in plain white paper in an unaddressed envelope, given to the XXXX. The XXXX, according to their standard, placed the unaddressed envelope in their overnight mailing envelope. The mail to address, after being confirmed by me as being correct. I was given the shipment receipt, showing that a signature from the recipient was also required. As of this date ( XX/XX/2018 ), the shipment had not been delivered. I went to the Bank of America office where the check was purchased, starting on the XX/XX/2018.I 've also made several phone calls requesting. stop payment on the cashier check. The response I always received. was that no stop payment until after 45 days after check was created.I felt that was not fair. If the check was cashed by the wrong party, the loss would not be the banks, but mine. The cashier check in question is still floating out there. I've also contacted the XXXX several times, including today ( XX/XX/2018 ). Their latest response : Tracking package and investigation. I have copy of check and XXXX mailing receipt
Product: Debt collection

I was at XXXX XXXX XXXX  My acct became past due for 3 months I made a payment back in XXXX of XXXX which brought my acct down to XXXX with accounts receivable my acct went to debt collection last year around XX/XX/XXXX and it went to acct receivable management so it got transferred this year in XX/XX/XXXX almost a year later stating I owe XXXX they added fees to the original balance of XXXX my acct was already with a debt collector so how can they charge me almost XXXX I don't owe that and if they transfer from one debt collector to another how can they add that to my original creditor bill your original debt stays the same they can't go back a year later and add XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation on disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to XXXX recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from Equifax XXXX and XXXX. To date the debt has not been validated but still remains on my equifax and XXXX  credit report. Ive sent a second dispute letter and XXXX was the only agency to remove the debt because it couldnt be validated. XXXX has not responded to three request to validate and equifax and XXXX  have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.