23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The bank, TD Bank asked me for my account number or my Social Security number. 

They asked me in letter to contact them if I did not open up an account. 

I never received an account and I will not give out my Social Security number to an unknown source. 

Their nearest office is a few hundred miles away from me. 

I was told to get in touch with two credit agencies, FTC and the Social Security XXXX.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data XXXX, which raises concerns about the security of my personal data.
Product: Mortgage

We began the process of requesting a subordination back in XXXX and our subordination was finally approved in XXXX. Now that our subordination has been finalized we are in a position in which we feel deceived by NACA by limiting the amount of money we can withdraw from our HELOC to {$11000.00}. 
We have bent over backwards again and again to provide anything and everything NACA has asked for. We have provided quotes, estimates, bank statements, utility bills, taxes, property tax bills, HOA documents, mortgage statements and multiple letters explaining why we were requesting the subordination. I spent hour upon hour on the phone with their MAP department to prepare our file and go through your " extensive counseling session '' prior to be sent to underwriting. We were told from the get go the requirements were to not exceed a DTI of XXXX XXXX and go through the counseling subordination process. We are well within this requirement even after the HELOC approval showing that we have over {$100000.00} in equity in our home. We also had to pay for the appraisal and application for the HELOC before NACA would continue with consideration for the subordination. Our current DTI is somewhere around XXXX XXXX which we pride ourselves on and therefore meet the requirements provided to be approved. 

I am very disappointed in the lack of response from most everyone I have encountered at NACA. My lender and I have left numerous voicemails and emails and have received XXXX response. I spoke to someone in the MAP department 2 days ago and she received a confirmation from a manager directly that he would call me back later that day. Here we are today and still no call back. 

We were provided terms for qualification and a list of documents needed for the process. We compiled XXXX XXXX and we qualify per your terms provided. I will also point out that this process took 4 months which is absolutely unacceptable. We now have to reapply for the HELOC, have our credit run again and pay for a new appraisal due to the delays we have encountered. It was never once discussed with us that there would be a limitation on the amount we were allowed to withdraw from the HELOC. This was deceptive and it needs to be corrected immediately. 

We are requesting the subordination paperwork be reprocessed with a limit adjustment to {$50000.00}. We have provided statements and quotes as well as letters explaining in detail how this money will be spent. The bottom line is that we were never disclosed the limitation of funds we were able to pull and therefore incurring additional fees and credit inquiries because of this deception. If there was to be a limitation it was never disclosed. 

We don't have any documentation to include as we were never provided anything in writing from NACA. All conversations were completed by telephone which I am told each time I call that they are recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I discovered items being reported to my credit that were not my items ; after reporting them to your office, several of the items were deleted ; however, there have since been new items added to my credit that should not be on there. A police report and FTC contact has already taken place, I'm reaching out to you all again for help. Your help in deleting these items as soon as possible is greatly needed. XXXX XXXX, XXXX, US DEP ED, US DEP ED ( XXXX # XXXX ). XXXX XXXX, DPT EDXXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX.
Product: Debt collection

I have a collection account on my credit that has been re-aged. It is with Rent Debt. I sent for validation and they refuse to validate this account, This is an erroneous account and this agency is violating the law. This is an old account past the Statue of Limitation
Product: Mortgage

To close my mortgage, I initiated a transfer from my Bank of America checking account to my Bank of America mortgage account on XX/XX/XXXX. The amount is gone from the checking account but has not reached the mortgage account. I made multiple calls to Bank of America but they have not figured out where the money disappeared. Please help me out. The transfer amount is over XXXX dollars.
Product: Mortgage

My lender keeps on lying and giving false information. I submitted an application for loss mitigation to keep my home but they keep denying it because of unemployment when clearly I have a part time job and also getting SS benefit. I also never received any document from them about the denial so I sent another application but they automatically denied it again without reviewing my application. Please help me. I dont want to lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached of credit report showing inaccurate accounts. Please see the violations and remove. As per Fair Credit Reporting Act and Amendments 4 and 5 of the Bill of Rights of the Constitution for the united states of America, I am entitled to see the origin of the information, which is the original contract or writ of inquiry that contains my signature or a judgement authorizining the reporting of inquiries on my estate 's report for the Fair Credit Reporting Act does not limit constitutionasl provisions. Ignorance of the law is no excuse from the law. 
At present it is required that upon your failure and inability to validate the following inquiries and with a writ of inquiry or letter of authorization or letter of attorney each bearing original wet ink signatures from myself the Executor, the information is to be deleted and expunged from the consumer credit report within 5 calendar days. Notice of intent to lien for constitutional violations and criminal racketeering violations as per 18 U.S.C. 1962 and 1963 pursuant to 15 U.S.C. 1 & 3 & 13.
Product: Debt collection

this originally was a neck device that was purchased at a therapy office, That was supposed to be covered by the insurance company XXXX, I did not find out until a year later that I owed this, so I offered to return it, the company XXXX would not accept my offer, so right now I 'm still in the appeal process with the State attorney 's office. So this should have not been sent to collections until fully resolved. Now I got this central credit services calling and there very loud and abusive for something that is still in dispute and they keep sending letters.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have had no contact with this company. They put this on my credit report, dropped my credit score by XXXX points. This was identity theft someonenin Texas has been using my information to get medical attention and now to get cable services using my information in Texas. Somewhere i have never visited let alone lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please remove these items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  XXXX Balance : {$7900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

All unauthorized information and discrepancies listed in the letter attached.
Product: Checking or savings account

I attempted to make a {$920.00} check deposit and the ATM ate my check and locked down on my ATM card. I walked inside the bank, explained what happened, filed a dispute, and called corporate and filed one there too. I was told a couple days, a few days before it would be investigated. I've called every day and no one can tell me anything. Two months ago this same thing happened, I avoided the ATM, but was told someone came out and fixed it. Obviously they didn't. No one seems to care about me getting my money. I am switching banks because of this. I banked at Huntington for 20 years, my account has ALWAYS been in good standing yet they won't even issue a temporary credit like they did two months ago. This is their fault 100 %. They took my money, they're keeping it, it shows no one is investigating this yet. Can you help.? I made the deposit XX/XX/2023 XXXX XXXX at Huntington Bank XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have also spoken to creditors whose agreed to remove said information but to no avail! I have also reported to each credit agency and the creditors that I was apart of the equifax data breach and that my identity was compromised, used, and found on XXXX sites across the dark web and that I have filed identity theft with the XXXX & cfpb & they still have not corrected these unlawful errors.
Product: Credit reporting or other personal consumer reports

How are you doing, I want these inquiries deleted off my credit report due to me not authorizing these companies to run my credit thats fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another complaint against Kohl 's which has refused to acknowledge or read the attached evidence and FACTS regarding the derogatory remark/late payment they have posted to my credit report. They have been incredibly difficult to work with, with XXXX XXXX, failing to return my calls and failing to elaborate on the matter in writing beyond what feels like scripted responses. The FACTS are there were no late payments in XXXX or XXXX. There was a dispute in XXXX whereby Kohl 's failed to process a timely payment. They must remove this false late payment IMMEDIATELY from my credit report.
Product: Debt collection

I was receiving satellite internet services from XXXX up until XX/XX/2020. At that point I cancelled service by calling the company. XXXX continued to try to debit my bank account each month for services provided after that, requiring me to dispute each charge with my bank. Earlier this year I called XXXX again about the erroneous charges. They apologized, and said they hadn't received notice of my cancellation via their internal channels ( even though I had returned their equipment ). Yesterday I received a letter from Southwest Credit Systems, saying my XXXX account ( # XXXX ) had been turned over to collection for {$1500.00} owed. The Southwest reference number is XXXX. I dispute the XXXX charges for services never received, and for attempting to raid my bank account with automatic payment debits every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, My name is XXXX XXXX XXXX, date of birth XX/XX/XXXX, and my social security is XXXX, I have contacted Navy Federal Credit Union and advised that I didn't agree to be authorized user on the following credit card XXXX and was advised that I was removed but yet nobody can send me any confirmation. I have contact all three credit reporting agency and completed consumer credit disputes and I have been advised that Navy Federal is still confirming that I'm authorize user and has confirmed and deleted from my credit report. I don't know where the line of communications failed but I'm hoping that you can help me resolve the issue. My mailing address XXXX   XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I received a bill for {$490.00} from Convergent Outsourcing Inc., a collection agency They said I have a XXXX account balance thru XXXX XXXX XXXX  The address on file was an old address of mine 4 years ago The email they have on file is : XXXX. I have never had this email or ever heard of it before I had a similar problem with XXXX and XXXX XXXX  using this same address in XXXX of 2020. That went thru XXXX XXXX XXXX for the exact same amount .That issue was fraud and resolved in my favor. My credit score and account with XXXX  is locked and has not been breeched
Product: Credit reporting, credit repair services, or other personal consumer reports

I defaulted on a credit card account with USAA Federal Savings Bank in connection with my divorce in XX/XX/XXXX. The account was charged off in XX/XX/XXXX, and I offered to settle with them in early XX/XX/XXXX but they rejected the offer. USAA-FSB continues to report this account as open and each month reports payments as more than 90 days late. This is a false report and is being done intentionally to inflict the worst possible adverse impact on my credit. I have contacted USAA FSB about this issue on no fewer than three occasions. They respond almost immediately ( apparently before even investigating ) and refuse each time to correct the entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

please let lexisNexis know most the info there are holding is incorrect, alone with XXXX, XXXX  XXXX, which reports these fraudulent activities against my name.ive reached out via phone, letter and was told they can't finds info
Product: Credit card or prepaid card

I had a balance of {$410.00} on my Macy 's credit card which paid in full and on time last month. However, I just received another bill for {$3.00} for interest this month. I should not be charged for interest when I paid the balance in full. It even says the on the back of my statement. This is the second time they have tried to do this ( see my complaint from 2020 ).
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 CFPD findings against Navy Federal for similar practices, 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, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  have constantly abused power as far as reporting inaccurate information. Please remove these inaccurate items.. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Product: Mortgage

On XX/XX/XXXX, I acquired a residential mortgage for my condominium and made a 10 % down payment. 

On XX/XX/XXXX, Wells Fargo Home Mortgage ( Wells Fargo ) sent a letter in response to my inquiry regarding cancellation of premium mortgage insurance ( PMI ) ( attached as exhibit 1 ). 

On XX/XX/XXXX, I deposited in the U.S. Mail, a certified letter addressed to Wells Fargo and titled " Borrowers Request to Cancel PMI for Loan No : XXXX '' ( attached as exhibit 2 ). The letter entails that : ( i ) I request cancellation of PMI in connection with my residential mortgage ; ( ii ) payments are current since I acquired the loan and I have no late payments ; ( iii ) the property is not encumbered by a subordinate lien ; and ( iv ) the value of the property has not declined below the original value/purchase price. 

The letter further indicates that I did not clearly understand the terms of Wells Fargos PMI cancellation requirements. Specifically, option # 2s requirement to pay {$11000.00} in support of 80/20 loan-to-value ( LTV ) ratio. Prior to expending {$600.00} on Wells Fargo 's exclusive appraiser, I provided a detailed example in my letter requesting clarification on the the formula used to calculate the LTV ratio in option # 2. 

On XX/XX/XXXX, I called the Wells Fargo PMI Department and was verbally advised that even if the appraisal yields a current market value that causes the LTV to be less than 80 %, I am still required to pay {$11000.00} in order to cancel PMI. 

In order to establish the final element of the Homeowner 's Protection Act of 1998, that the value of my property has not declined below the original value, I am required to order an appraisal, which is a non-issue. The issue I am concerned with is Wells Fargos representation that even if the appraisal yields a current market value that causes the LTV to be less than 80 %, I am still required to pay {$11000.00} in order to cancel PMI. Based on this representation, I have not yet purchased the {$600.00} appraisal. 

I believe Wells Fargos policy conflicts with the HPA of 1998 because Wells Fargo refuses to consider the current market value and increased equity of the home in its assessment of LTV. Rather, Wells Fargo has represented that the LTV is based on the original value of the home ( purchase price of {$130000.00} ) compared to the current balance of the loan ( {$120000.00} ). This particular formula causes the LTV to be greater than 80 % and only benefits Wells Fargos interest in maintaining PMI on the property. As a licensed XXXX XXXX XXXX in Nevada, I have examined comparable properties in the same neighborhood yielding a current mean price of {$170000.00}. Based on what appears to be the current market value of my condominium ( {$170000.00} ) compared to the current balance of the loan ( {$120000.00} ), my LTV appears to be less than 80 %, contingent upon appraisal. Here, a dispute has arisen as to whether the LTV should be determined based on the original value of the property or whether the LTV should be determined based on the propertys current market value. The HPA of 1998 does not specify which value to use in determining LTV ratio.
Product: Mortgage

My previous complain the issues was not resolved and you just closed it I did not get an answer! No one is answering my questions Can a successor in interest modify a mortgage loan? 
Now, if you are a successor in interest on a home, you are now entitled to make a Request for Information about the loan ; dispute the lender 's accounting ; and participate in loan modifications, just as if you'd been the original borrower. 
XXXX XXXX XXXXXXXX Mortgage Servicing Rights Now Extend to Successors Not On The... 

The law changed in XX/XX/2018 we are suppose to be treated like the original owner! It was changed by RESPA please I need an answer why I still need XXXX my ex to sign a liability form when he signed all rights to me and he is no longer on the deed! He has moved on like he said