23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020, I received a settlement letter from Navy Federal Credit Union. It stated that if I paid a settlement amount of {$1400.00}, then the debt would be settled. I then went and got a money order for the amount. I went into the Bank and actually paid and got a receipt for the payment. Then on XX/XX/2020, I received a letter from Navy Federal Credit Union demanding the remaining balance and not honoring the settlement agreement that they provided me on XX/XX/2020 for which I paid on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC S1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

Did I give you written instructions to furnish this items on my credit report? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The refuse to follow The social security act that states that i am not responsible for the debt as I had Medicaid at the time of the bill.
Product: Mortgage

Foreclosure sale date of XXXX needs to be stopped. 

I submitted a request for a modification on XXXX, almost a month ago.
Product: Credit card or prepaid card

An, so called " Debt Consolidation Company '' ( using 2 names, ''XXXX XXXX & on credit card statement ''XXXX XXXX XXXX ' ) contacted me, to tell me they would take over & make payments to the Banks, allowing me to make a lower payment to this company each month, also would lower my debt by 1/3 I stupidly accepted & gave card 's info. They charged my credit card {$1000.00}. ( Citi Card, Platinum ) XX/XX/2018 The credit company, will not reimburse me, even though this was an Fraudulent charge, Since having no service with this ''Debt Consolidation Company? ' & no correspondence with the persons that signed me up for this ''Debt Release Program? '' ( Persons spoken to were XXXX XXXX & XXXX XXXX @ XXXX saying their Company was out of XXXX ) Can you please help me to be reimbursed for the {$1000.00}, I am aged ( XXXXyrs. ) & on a rather low income. Thank you!
Product: Debt collection

I received a phone call @ my place of work from " Fidelity Creditor Service ''. A woman by the name of XXXX informed me that I owe a debt that originated in XXXX from the year XX/XX/XXXX the company 's name is " XXXX XXXX XXXX ''. She claims that it is for {$22000.00}. XXXX proceeded to threaten me with a judgement, attachment of my assets. When i asked why i have not received any invoice or request to pay via mail, she rudely stated " it 's public record..look it up '' and gave me the case #. When I asked how could this debt still be outstanding, again in a rude voice " this debt is renewed every XXXX in the state of XXXX " I told her i do not even live in Ca. and if this debt as you say has my ex-husband 's signature on it, I have not been in contact with him for years. She proceeded to pressure me to provide his contact info to her. 
I told her I need her to mail me this proof of debt. 
After this unsettling claim, I did my research and found numerous complaints about this company as well as a news piece by investigative reporter " XXXX XXXX '' that aired XXXX 2012 : XXXX
Product: Debt collection

In 2017, I, along with XXXX other individuals, became roommates in an apartment in downtown XXXX named city walk which became dwell XXXX while attending Georgia XXXX XXXX. Unfortunately, my roommates turned our living space into an untenable environment. Due to these circumstances, I received confirmation from both the property manager and my roommates that I would be released from the lease and all related obligations. An agreement was signed by all parties, and I vacated the property. 

However, XXXX to XXXX months later, my former roommates were evicted, and I received a letter stating that the previous property manager, who had since been terminated, failed to file the correct documentation. As a result of this error, I have been held liable for the damages and eviction charges attributed to my former roommates. This situation has severely impacted my ability to secure housing independently, forcing me to reside with my mother for the past XXXX years. 

Despite my efforts to resolve this issue, the property management company has refused to acknowledge their mistake. Additionally, all email communications concerning the lease termination have been deleted, although I still possess the signed document that released me from the lease. 

I am seeking assistance to rectify this matter and remove the erroneous information from my credit report. Currently, this issue is not reporting on my credit across all three bureaus.XXXX  is showing the collection debt as being resolved but it is still being reported on XXXX.
Product: Vehicle loan or lease

XXXX XXXX in XXXX Arkansas sold me a XXXX XXXX and could not fix the leak in the XXXX  XXXX had it a little over a month and it had been in there shop 4 times and still leaked The service manager XXXX XXXX told me that the hole i could stick my hand in was normal and XXXX percent of XXXX leaked i had to XXXX the car and tell him the fifth bow was bent Anyways XXXX XXXX  the salesman i delt with recomended getting a new car to fix problem. I took the bait. XXXX informed me XXXX the main manager and the others were doing my paperwork while i drove the new XXXX I left thinking that new XXXX dollar XXXX i got for XXXX for all the trubble. I soon realized that i had it crossed and i was paying XXXX dollars on the XXXX they couldnt fix ive been back to get no help they XXXX me and my wife up and are taking money they dont deserve plz help us these guys are crooks and liars in suits
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. I HAVE MAILED SEVERAL FRAUD DISPUTES OVER A MONTH AGO SEVERAL TIMES AND THE MAILROOM IS NOT PROCESSING MY DISPUTES. I HAVE MAILED MY DISPUTE TO EQUIFAX INFORMATION SERVICES LLC PO BOX 740256 ATLANTA GA 30374 NUMEROUS OF TIMES AND THEY ARE NOT PICKING UP THE MAIL TO SORT THROUGH THE MAIL. I HAVE CALLED THE FRAUD DEPT SEVERAL TIMES AND THEY KEEP TELLING ME TO MAIL MY DISPUTE OVER AND OVER AGAIN! IF THE ONLY OPTION TO SEND A DISPUTE IS BY MAIL THEN THERE ARE GOING TO BE THOUSANDS OF LETTERS WORLDWIDE JUST SITTING AT THE PO BOX ADDRESS NOT BEING OPENED! I HAVE 2 FRAUD INQUIRIES THAT NEED TO BE REMOVED AND DELETED OFF OF MY CREDIT FILE.
THE FAX OPTION WAS EASY AND CONVENIENT NOW I HAVE TO MAIL DISPUTES THAT PROBABLY WANT EVER BE RECEIVED BY THE MAILROOM!  I AM ALSO ATTACHING MY FRAUD DISPUTE TO THIS COMPLAINT SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$8700.00} Closed Overview You've paid off 0 % of the original amount. 

Balance {$8700.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX. XXXX, XXXX ( 4 yrs, 9 mos ) Term 72  months Payment History Youve made 18 % of payments for this account on time. 

Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Remarks Consumer disputes this account information Charged off account
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate recurring ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Capital One is charging me an additional 1 % of my balance and adding it to my minimum payment due. This is not listed on my statement. The fees listed did not add up to the break down they show on my statement which prompted me to call call and speak with a rep named XXXX at XXXX ( Eastern Time ) about this and he informed me that is how the minimum balance was calculated. I asked why is this not shown on my statement. He did not have a reply but only that this is how they charge people and they do it to help customers pay down balances faster in addition to the minimum payment required. I stated that this should be at the customer 's consent to do and not automatically done for them on top of not showing this on their bill. This is unjust and unfair. I should have the ability to choose to pay more if I am legally meeting the minimum balance due and that a complete break down of the fees should be shown on my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct my disputes with Experian, XXXX, and XXXX. I continue to have inquires on my account which do not belong to me, addresses which do not belong to me, accounts which do not belong to me. All THREE credit bureaus have failed to help me in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I have moved back to the states. I opened a bank account and they said I have my personal credit information compromised. Following bank and credit instructions I wrote XXXX certified letters and sent them out on the XX/XX/2022, to XXXX, Transunion and XXXX with a copy of my ID and copy of my SS. Although I didnt like the idea of sending all my information they said this was the only way to verify my information and solve my credit report. 
It cost me {$23.00} plus my time and frustration to send these letters proving my identity. 
Two of the credit companies have now answered me with a very poor information, no report and basically say to send the information again. XXXX which was my main concern has not answered and the letter was picked up by who knows who. 
It is unbelievable that there is no way by phone or email to find a solution and even a registered mail is not taken into a more professional consideration. 
I have been rejected by basic credit cards and I want to start building credit but I dont know how to go around this problem.

How do I get to verify my credit information when these three companies just wash their hands. Im sure Im not the first person to move back home after 20 years and want to start all over again. I have proof of everything and I want to find a solution. Thank you
Product: Checking or savings account

I have been trying to close my Fathers IRA account. 
I have been in contact with the Bank multiple times, begining in XXXX, after my father died. I am the executor of his estate. The banks forms have been filled out, at the local branch to insure no problems. The forms were sent to the Banks IRA department along with death certificate and paper work showling me as the executor. 
I have returned to the branch multiple times between XXXX and XXXX. 
Each visit results in another minor issue or question being raised and answered, always ending with their assurance that the check will be in the mail. Now going on eight months, still no check. 

The account is going thru probate, because the bank failed to process the transfer on death paperwork. This paper work must go thru the banks IRA department, a very incompentant department. Other accounts with the bank transfered on death. 

This is my second complaint on the same account, the first time I maid the complaint, their reply was, This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 

Their customer is dead, they don't reconize me because they are incompetent. 
They are sitting on this IRA, they never call me to say there is a problem. 
I believe they slow walk these account closing request on purpose and should be investigated. I made multiple trips to the banks branch, 1 hour away, and still after 7 months, hear nothing but excuses.
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 current CFPB findings against Navy Federal for similar practices, where transactions with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

On XX/XX/2023, I paid for several purchases with a debit card. The transactions seemed to have disappeared for several days after that point. On XX/XX/XXXX, I look at my account and see that I was assessed XXXX, XXXX dollar OD FEES to my account. Looking at the account, which was never in the negatives at any point during this 5 day period, all of my transactions starting with a {$3000.00} deposit were reordered to make it appear as though I was in the negatives as of XX/XX/XXXX which I was not. PNC consistently makes excuses as to why my debit card transactions disappear, this time claiming they verify purchases if they are items being shipped. Before that, they blamed the merchant saying they would do this, which is simply false. I would like PNC to refund me the approximate {$100.00} that they took from my account due to their reordering of my transactions. I am tired of hearing things about backend processes and phony claims of verification of debit charges that take days. These are fraudulent activities.
Product: Money transfers

I am a customer of PNC Bank. I transferred {$150.00} from checking account to my Credit Card on the XXXX XXXX 2016. I received a confirmation of a successful transfer which I still have, but the money has not been credited to my credit card nor has it been returned to my checking account. I contacted the XXXX PNC Branch where a young lady named XXXX helped me. XXXX spoke with me today and stated no money had been transferred, and that technology is not 100 %. I am citizen that lives paycheck to paycheck, I monitor my money and I cant afford this.
Product: Consumer Loan

I purchased a car almost 6 years ago. I missed a few payments and extended the life of the loan. The car was and still is in very bad shape and properly should n't have been sold or bought. The transmission had to be replaced, the XXXX went up and had to be replaced, the body of the car is rusted and the paint on the hood is fading which appears that it is a different hood from the original car. It looks as if the car was in an accident. So, when I called because I wanted to sell the car - I was told that the car costs more now than when I bought it six years ago. It 's a 2006 Chrysler Town and Country minivan and Regional Acceptance Corporation says I owe over {$20000.00}. Which means I ca n't sell it because no one will touch me to buy another car with a balance like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with an Automobile company and as a result my financial situation took a turn for the worst, so I tried this company Nationwide Debt Reduction Services ( NDRS ) and this Debt Consolidation company was supposed to help me pay down my debt and try to restore some of my credit whiles I figure out my next step. I paid this company for over a year and a half to resolve my debt but, when I asked for some form of receipt showing that the debts were being paid off I was met with hostility or no response. I tried to reach out to several departments within this organization in order to obtain pertinent information that I could furnish to the credit card companies and also, to upload to the dispute department for credit scores to show that certain debts were paid off, to no avail my money was stolen by this company with no remorse and to date I have no proof of any debt being paid. It does not reflect on my credit score that any of these debts were paid off and by debts I mean 6 in total were supposed to be paid but I have nothing except my bank statements to show that the money 's were being deducted from my account by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I m disappointed! I dont know how to delete it from my name I was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights 15 U.S.C. 1681 Section 602A 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 with my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may maken any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 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, credit repair services, or other personal consumer reports

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to XXXX but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX
Product: Debt collection

ARA called my place of employment twice during the week of XX/XX/XXXX and left threatening messages, stating they have an affidavit regarding a debt I owe, and will forward to my employer. I called on XX/XX/XXXX when I returned to work from vacation. I spoke with XXXX XXXX, who was extremely hostile. XXXX threatened to not only send an affidavit to my employer, but to the company which carries my home mortgage. I told him not to call me. He called me right back on my cell number. I dont owe any collections and dont believe the claim. 

XXXX called from XXXX. He claims I owe XXXX on an auto loan for XXXX XXXX. No account number was provided. He claims the loan started in XXXX and was transferred to different agencies over the years. I dont believe him. I am very easy to locate. My cell number, which is my primary number, has been the same since XX/XX/XXXX. 

If any of the information XXXX is providing is accurate, debts from this time period would have been included in a Chapter XXXX bankruptcy I filed in XX/XX/XXXX, paid and/or fully discharged as of XX/XX/XXXX. In addition, the statue of limitations has expired.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX