23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have had several conversations with all parties involved since XXXX and there is still no active response to correct the issue. all parties are in complete understanding that there was a coverage issue, due to a misapplied insurance reporting. The insurance has agreed to reprocess said claims from XX/XX/XXXX. I have received documentation from the insurance confirming coverage for said date : XX/XX/XXXX. There should no no balance owed as it was covered 100 % under XXXX XXXX. The issue came when it was improperly reported that i had XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, but rather I had changed XXXX/XXXX locations and providers from XXXX Maine, to XXXX, Maine. And, I didn't XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, but rather she was born in XXXX, XXXX I have spoken with all parties involved, XXXX agreed the charges were covered 100 % by insurance, but the medical provider nor the collections company have resent the original EOB to XXXX  for proper processing. But, rather they are continuing to damage my credit and seek payment for charges that are covered 100 % by insurance because they rendered false information to the insurance provider regarding my status.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has ceased investigation of my credit report because, in their opinion, they believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to deliberate deny my 3rd Dispute request, but I believe it to be a blatant violation of the FCRA, Failing to provide a block within 4 days of being notified from a consumer who's been a victim of identity theft. Failing to provide accurate verification within 30 days of receiving a dispute. 

You were advised by me on XXXX by certified mail with a Police Report and affidavit from the Federal Trade Commission regarding fraudulent items appearing on my credit report. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported ; XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( insert today 's date ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a dispute letter to Equifax via mail, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. I took all necessary steps to ensure the accuracy of my dispute by including copies of my photo ID, social security card, and a recent bill displaying my current address. Despite sending a dispute letter with all the required documentation, I did not receive any response from Equifax regarding the investigation results. Equifaxs failure to respond with the results of the investigation into the disputed items on my credit report violates their obligation and my consumer rights under the Fair Credit Reporting Act. Additionally, Equifaxs lack of response leaves me without information about the status of my dispute and prevents me from taking appropriate action to address inaccuracies on my credit report. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Since XX/XX/XXXX, I have been trying to re-finance my home in order to shorten my mortgage at a lower rate and remove PMI from the monthly mortgage payment. I contacted 5 mortgage companies, including my current lender. 

Upon running my credit report, multiple lenders told me of a " Repossession '' and a " Repossession/redeemed  '' remark on my credit report that i was unaware of. 

The source of the " repossession '' remark is XXXX XXXX. I am a co-signer on an auto loan with my daughter through XXXX XXXX. In XX/XX/XXXX, my daughter lost her job  and ran in arrears on payments for the auto loan, which she had been making prior to that point. She did not tell me until XX/XX/XXXX that she lost her job and had been 1-2 months delinquent for several months. Once i became aware of the delinquency, I immediately contacted the lender, XXXX XXXX, and worked with them to bring the account current. 

As mentioned above, the auto was never repossessed. I have no record of any notice from XXXX threatening repossession, or any other notice with the word " repossess '' in it. Except for an engine repair, the auto has never left my possession or my daughter 's possession at any time. 

On XX/XX/XXXX, I spoke with " XXXX '' at XXXX XXXX XXXX XXXX to request that XXXX XXXX provide me with a correction of the errant repossession remark on all 3 credit reports. He gave me a Reference Number for my request. XXXX told me that they had 45 days to correct the bad information. I accepted that at face value, believing that period was calendar days. 

On XX/XX/XXXX, I spoke with " XXXX '' at XXXX. XXXX said that 45 days were " business days '' and not calendar days. XXXX said he would " expedite the request '' and that I would receiving something shortly. Again, I accepted that at face value. 

On XX/XX/XXXX, I called XXXX again and spoke with " XXXX '' at XXXX. I referenced the prior conversations with XXXX and XXXX, who once again promised escalation of the matter with a written result to be sent to me. Still, I accepted that at face value too. 

On XX/XX/XXXX, I spoke with XXXX and summarized my conversations with XXXX, XXXX and XXXX. XXXX said she would send me an email that would contain information I requested. 

On XX/XX/XXXX, I received an email from XXXX. The only contents of the email were contained in a grid showing the number of times payment was recorded as " 30 Days Late '', " 60 Days Late '' and so forth. There were payments recorded more than 60 days late. 

Throughout the period of time above, and immediately prior to the referenced calls, I have used my XXXX XXXX account to monitor the content of the 2 credit bureaus listed. Each time, and even today my credit report continues to show a remark indicating repossession on the XXXX XXXX loan. Again, the vehicle was never repossessed, and to the best of my knowledge there was never a notice received that threatened repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. there is some inaccurate information reporting. 
XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX
Product: Checking or savings account

I had sent a {$50.00} amount on XXXX which is linked to my Bank of America debit card in which I paid for a service I did not receive however on XXXX it does not allow me to dispute the payment and Bank of America said they are unable to do anything regarding the claim. The person whom of which was offering the service now refuses to offer me a refund despite numerous attempts and XXXX requests made to that account stating I would like a refund, the person also never stated that the service was non-refundable so I would like to proceed with getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX ( Original XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : 06 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: Vehicle loan or lease

I signed the original contract on XX/XX/2023 for my vehicle and in XXXX the Finance Manager called me and said that I was overcharged for the loan and that they were sending a driver to bring me the new contract to sign. The driver came and I signed the new contract. I texted the Finance Manager to get a copy of the contract and I have never received it. Even after the contract was signed, my credit continued to be hit which affected my credit score. I made my first payment which was due on XX/XX/2023 on-time. On XX/XX/2023, I lost my job. On XX/XX/2023, I contacted Ally Bank to see about changing my due date from the XXXX of the month to the XXXX of the month and the representative advised me that I was able to change the due date. At the time, the balance reflected $ XXXX being owed. On XX/XX/2023, I received an alert from XXXX XXXX that {$240.00} was added to my loan. On XX/XX/2023, I called Ally Bank and spoke to a representative and a Lead. They both said that no changes were added to my account, but now the loan is showing $ XXXX. I then contacted XXXX XXXX Finance Manager and they are denying adding the additional amount to my credit report. I even sent a screenshot with the notification and both entities are denying that they did this.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent XXXX thru XXXX from my bank account to my XXXX. This was not our XXXX XXXX between each other. The XXXX completed on my end and showed as pending on theirs. They contacted their bank which is also Wells Fargo and told that my payment was flagged as fraud and the payment wound be sent back in XXXX business days. On XXXX the funds were no longer in my XXXX account but also not returned or pending to my XXXX. I am late on rent and need answers as to where my money is XXXX holds no responsibility and neither does my bank.
Product: Credit card

It has been its longest while since American Express has been refusing to comply with my request of replacing my card. American express has been notifies of my account being compromised and dispute charges mentioned. American express has denied to comply with my request nor did Amex replace my card. On top of all this, Amex has not yet resolved my issues with BlueBird Amex account. Their discriminative approach and racist actions are limitless. 
Appropriate proof will be provided upon request.
Product: Checking or savings account

I have received two separate deposits from trusted sources that Bank of America has held for unacceptable periods. BoA in both cases had access to the funds in the first twelve hours ofy deposit, but held the funds for two weeks.

My mortgage, tuition payments and power bill are in jeopardy of bouncing. BoA is using my proceeds to generate revenue for themselves and putting undue stress on my family. There is no reason for a hold of this length.

Furthermore, the teller at the time of deposit told me there would be a 48 hour hold.
Product: Credit reporting or other personal consumer reports

I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
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 transaction were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

This is in response to CFPB Case # : XXXX This complaint is to point out the violations of this company and seek proper resolution. To start there is no legally binding contract between LVNV LLC, its affiliates, and myself, a federally protected consumer. I, the consumer have no relationship with LVNV and their affiliates. With respect to the violation of the FDCPA LVNV has committed they are as follows. Violation of 15USC 1692b ( 5 ) as the letter attached and sent in a previous complaint where LVNV stated it was their initial communication violated this code by having symbols and language that indicated the debt collector is in the debt collection business. LVNV is also in Violation of 15USC 1692c ( a ) as they have no consent to have communicated with the consumer. Additionally they are in violation of 15USC 1692e ( 1 ) and 15USC 1692e ( 2 ) as LVNV are attempting to collect an alleged debt for services they have NOT rendered and an erroneous balance owed to LVNV. That is false and misleading.

Additionally, LVNV has violated 15 USC 6802 ( b ) ( 1 ) ( b ) and 15 USC 6802 ( b ) ( 1 ) ( c ) as they did not provide the consumer opportunity to opt-out of having my nonpublic personal information disclosed to third parties without consent as well as, i was not given an explaination of how I can exercise that non disclosure option.
Product: Student loan

Navient did not release my cosigner due to difficulty successfully securing my payment, even though the money was in the account and they had difficulty due to the bank marking their withdrawal as fraudulant. I was living in XXXX and they never provided a reliable way to pay my loans with my XXXX XXXX XXXX, even though the bank card was a registered Mastercard and separately a registered Visa Debit card linked to a very well known bank. 

Years later, after paying at 12.5 percent interest, they offered to settle the loan if I paid them XXXX in a lump sum. They told me that they would accept the XXXX, apply it to the principle balance, and I would be able to pay XXXX a month for the rest of my life or to fulfillment of the loan. I paid the lump sum and set up automatic reoccurring payments to fulfill the 3 month on-time payment rule to apply the XXXX to the principle and initialize the XXXX dollar a month payment. I continued at XXXX per month for two years and when I finally checked my loan balance, the loan was XXXX higher than when I paid the XXXX 2 years prior. 
I contacted Navient, they told me that they had difficulty securing my third payment of the 3 on time payments, thus it cancelled the contract. The XXXX vanished due to interest and a reoccurrence of XXXX a month for two years when the payment at XXXX was needed to suffice 12.5 percent interest. 
I 've stopped paying the loan 2 years ago because I simply can not pay XXXX to navient a month, plus another XXXX to XXXX per month. I 'm now paying XXXX a month to Navient to try and pay one of my XXXX private loans. They harass me constantly and say its due diligence. I 've asked for my XXXX back since they did not apply it to the loan and did not honor their contract ( which I 've expressly asked for IN WRITING, they never emailed it to me of course ). 

Please help me, they are ruining my life and I can not pay my student loans.
Product: Money transfers

My friend, XXXX XXXX, had a PalPay account. He passed away in XXXX 2015. His PayPal account was attached to my bank account which he was also a signer. I continually receive emails that there is fraudulent activity being attempted from PayPal to my bank. I attempted to close the PayPal account on line but the only way to close the PayPal account is to have PayPal send a text to his phone number that has been disconnected. I have contacted PayPal several times and they refuse to close his PayPal account, even though there its no activity other than these fraudulent attempts over the last 5 months. I should not have close my bank account since I has had this account for over 20 years and its attached to all my personal business.
Product: Credit reporting or other personal consumer reports

These account ( s ) was charged off on the following date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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 I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Checking or savings account

Hello, I am filing this complaint in reference to my Capital One 360 Checking account. Over the last week I have used " transfer from an external account '' feature in my online banking to transfer funds from my Bank XXXX XXXX account to my Capital One account. The reason for these transfers was that I recently received an annual bonus from my employer, which were deposited to XXXX. However, I wanted the majority of this bonus to be deposited at Capital One. 

I initially tried to transfer {$8500.00} using this feature in Online Banking, however I was told that it exceeded the daily limit. For this reason, I sent a series of smaller payments over the next few days. This morning ( XX/XX/2023 ), it seems as though this feature has been drastically reduced, so I called the customer service line. During that time, I was informed that I had a monthly external transfer limit of {$5000.00}, and I was nearing the limit for the month. I was also told that it was one of the lowest monthly transfer amounts she had seen on an account. 

Here is my problem : I want to be able to transfer the remainder of my bonus to Capital One from XXXX. I want to be able to do this at no charge, as Capital One offers a free external account transfer feature on their mobile app and customer portal that they have decided to limit my account on for the remainder of the month. I am flexible for ways to do this, but since I do not have a physical branch near me, the only current way to do this would be for me to send via wire transfer and incur a fee from XXXX. My preference would be to reinstate my ability to transfer from an external account. It seems like this shouldn't be a problem since " My transfer limit was one of the lowest limits '' the agent had ever seen.
Product: Debt collection

XX/XX/XXXX at approximately XXXX an agent from Cascade Receivables contacted me by telephone, verified my name, told me I owed money to XXXX XXXX for approximately {$300.00} from XXXX. I proceeded to explain to her that I have two insurances and should owe nothing. I informed her that I could provide her with the insurance information and she declined stating the bill was from 4 years ago and they would not rebill. I also advised her that another debt collection agency contacted me about the same debt and I dont understand how two collection agencies can bill for the same thing. The agent then proceeds to tell me because thats the way things work and that it can bounce around. She also then states that the debt is only X amount and she has seen bills way higher and I need to just pay my debt. I told her I didnt care how much it was that I am not paying something I do not owe. The agent then tells me, I can tell you dont care because you dont pay your bills. Your son was in the hospital and you owe the bill. The call was then disconnected. 

I called back to their office to complain and the agent that answered this time, after letting him know that I planned on filing a complaint, said, good and hung up. 

I called back to their office again and advised this agent to mark my account as a do not call or I will file legal suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00}