23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX multiple times and have sent letters and a FTC report before. They are saying they don't have my documents. I have the following inquiries I did not authorize reporting on my report. Also, my Bankruptcy is dismissed and did ot move forward and should be updated as well. 

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: Mortgage

I called in to make a PRINCIPAL only payment to get my loan balance under a certain dollar amount so that I can be approved for a HELOC. I verified 3 times with the person on the phone that the payment is for principal only, and that conversation was recorded. I check my statement and I see that {$320.00} was escrowed and should not have been. My payments have all been on time, and my escrow is on a schedule as well. I made this PRINCIPAL only payment on XXXX and I reiterated the fact that I will be calling again to make my scheduled payment, that this payment has nothing to do with my scheduled payment in any way and it is for principal only. I have been in contact with supervisors who assure me they are working hard to correct their mistake, that they are just busy. They have been 'busy ' for almost a full month now and this has caused a number of issues with my financial planning not to mention the extra interest on this account charged as well as the other 3rd party accounts I planned on paying off with my HELOC. The approval to fix the mistake was issued on XXXX/XXXX/2016 and today is XXXX/XXXX/2016 and I am still waiting. I have made multiple attempts since then asking about when the was going to be corrected each response has been they are busy in the department that handles it. Even if this is fixed at this point, the damage has been done and there does not appear to be anything that I can do about it.
Product: Checking or savings account

I reached out to Navy Federal late XXXX regarding over {$8800.00} of unauthorized charges that consisted of XXXX and XXXX XXXX. Someone had got into my vehicle and took my husband wallet an my debit card was in it. After XXXX weeks of waiting I was informed that my claim was wrongfully denied so I emessaged the bank for a second review. After calling several time I was told giving the police report information would help speed the investigation so I immediately contacted the police department and got the information to them. It has been XXXX months and I have not received any update on my claim nor have I received any money while my claim is still being investigated. The only information I receive when I call customer service is that its still under review and theres no time frame. This isnt being handled properly and I need my claim approved immediately or I will have to seek further legal action for my money and the stress this has caused me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I asked for validation of a debt reporting on my credit file by, XXXX XXXX XXXX XXXX . However, Convergent failed to validate this debt. Responding with a letter stating the debt was valid, along with a copy of a XXXX bill. This document serves no merit, my signature is not attached to it, nor does it has an actual contract with proof of ownership attached. However, I 'm in the process of buying a home and wanted to take care of this matter, because it is hurting my credit score. Even though I do n't owe this debt, I needed it handled. I reached out to XXXX XXXX on XXXX XXXX, XXXX to speak about handling the incorrect information on my credit report. I came to an agreement with the company to settle the debt for {$280.00}, set to come from a checking account on XXXX/XXXX/XXXX. This payment was set up by XXXX XXXX XXXX. However, on XXXX XXXX, XXXX I cancelled this payment with XXXX XXXX XXXX until further notice. As I needed to do more research on the bill. XXXX XXXX XXXX assured me the payment had been cancelled. On XXXX XXXX, XXXX an alert was sent from the bank stating a charge of {$280.00} was sent from XXXX XXXX This company initiated funds from my account without my permission! This is 100 % against the law! I have spoken with XXXX XXXX on the matter, and the problem has still yet to be resolved! Convergent is now reported to my credit report account, as legally paid and or paid less than full balance. This is incorrect information and I demand it be removed from my credit report. This incorrect information has caused a tremendous blow to my credit score, due to this inaccurate information reporting. I have spoken with XXXX XXXX management on several occasions. Head manager XXXX XXXX has not helped me in anyway! He only offered a simple, I 'm sorry and this should not have happened! It will not fix the stress this incorrect information has caused. I am requesting that XXXX XXXX, cease all reporting to my credit profile. This company is very unprofessional and untrustworthy. They have caused me grave stress from this inaccurate information reporting. Your help would be greatly appreciated. 

Thank you kindly, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax won't remove negative items from my report, I called several times and provided documentations, yet I keep getting the same answer we verified but won't explain how. I was informed that Items will remain on my credit report for 7 years. The other Bureaus were able to remove why can't Equifax do the same. 
Congress passed the FCRA Laws which allows you to permanently remove negative items from your credit report using pre written dispute letters. You can remove these following items legally Collections Late Payments Medical Bills Repossessions Evictions Charge offs Bankruptcies Many More fyp.XXXX XXXX XXXX HOSPITAL BILLS, STUDENT LOANS, CAR REPOS, CHARGE OFFS, LATE PAYMENTS AND BANKRUPTCYS 15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A. 
XXXX XXXX XXXX ( XXXX ID : XXXX ) won't provide any documentation that this account belongs to me and Per XXXX CONSOMER ACCESS there not even licensed to operate in the state of California. Therefore, it needs to be removed from my account immediately. XXXX XXXX it's a car repo since XXXX with {$65.00} charge only. 
How long before a debt becomes uncollectible in California? 
four years The statute of limitations on debt in California is four years, as stated in the state 's Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment.
Product: Credit reporting

XXXX and XXXX were included in my Chapter XXXX I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. 

Please remove this fraudulent account. 

Account Balance {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX  XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$4700.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX Mortgage XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax, XXXX XXXXXXXX Mortgage Companies XXXX Finance XX/XX/XXXX XXXX, XXXX Commercial Banks XX/XX/XXXX XXXX, XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX, XXXX Mortgage Reporters XX/XX/XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

NCB Management Services Inc has been harassing me for months attempting to collect an alleged debt that I do not owe to them. I have no written signed contract with this company or any contractual ties with this company. They have been mailing correspondences to my domicile attempting to collect an alleged debt, in addition to continually calling my phone multiple times a day at work. I have stated numerous times that I do not owe them for any alleged debt and that I do not even know how they received my information. I never gave any written consent to NCB Management Services Inc to have any of my information nor given them any written consent to furnish any information on my credit report. They have illegally obtained my personal information and are illegally attempting to collect an alleged debt. They have violated numerous of my federal consumer protection rights.
Product: Money transfer, virtual currency, or money service

To The CFPB, Paypal illegally took back and placed on " hold '' a payment made by XXXX " XXXX ''. This is the second time she 's filed false claims about me to PayPal. I have provide full irrefutable proof that " XXXX '' is lying and PayPal continues to keep my money on " hold ''. This letter I 'm providing to the CFPB explains this situation in detail. Paypal should be held responsbile for this action and liable for any charges I incur for their stealing this money from me and placing it on " hold ''. 

Paypal You ca n't " hold '' my account based on XXXX 's false claims. You records will show that this is the 2nd time she ordered services and then demanded a refund after receiving the services. The last time she did this I refunded to her. She sent the money back to me and then contacted Paypal telling them that I did n't send the money. Your records will show that I did send her that money. I sent that money the last time because I was recovering from an auto accident and could n't help her. 

Now let 's talk about this present complaint which is the 2nd time XXXX has fabricated false claims against me. In this case she willfully chose a 3 services discounted offer where she has received 90 % of that offer. There 's no way she can hold the amount she paid as she 's already received the services. All that was left was the phone consultation which I offered this Wednesday.XXXX was angry that the XXXX XXXX advised her to be patient and work on herself before considering dating. XXXX also got mad at this and attempted to cancel this offer which ca n't be done. I told XXXX that I am available for the final {$10.00} ( not {$15.00} as she paid {$10.00} ( discount ) for the Phone consultation ). She did not pay {$15.00} and can not demand {$15.00} as she 's demanding. 

This is an XXXX XXXX service. Everyone knows that. It 's XXXX who gave the questions. I just read what the cards say. Everyone knows this. XXXX did not like the answers the XXXX gave. Her XXXX XXXX took me about 4 hours to do. With in 20 minutes of receiving her XXXX XXXX ( which takes at least XXXX to listen to and more hours to obey what the chart tells a person to do in their life ) XXXX was complaining. 

The work has already been done. She ca n't order the work, receive the work and then damage my income or my name with totally false claims. The only fee left is {$10.00} ( phone consultation ) not. XXXX  didnot pay {$15.00} for this phone consultation. She paid the discounted fee of " {$10.00} ''. I told her this is available whenever she 's ready. I did nothing wrong and am entitled to the full {$40.00} minus the PayPal fee.
Product: Checking or savings account

From : XXXX, To : XXXX, Subject : XXXX XXXX XXXX Online Wire Fiasco Date : Sat, XX/XX/2021 XXXX pm XXXX, Here is the wire department case number XXXX. On XXXX I did an online wire for {$2000.00} to XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX. 
The wire was sent out at XXXX pm on the XXXX. 
I called on the XXXX as XXXX said no funds in my account. I spoke to an agent that morning. The agent said 3 to 4 business days for the wire to show in XXXX 's account. Thursday XXXX messages me- no funds in his account. I call an agent. They tell me it should be in his account by Friday. 
On Monday XXXX he messaged me- no money in the account and He was going with another Buyer. I called an agent again. I was told your wire department was working on it. The agent took my phone number XXXX and told me someone from the wire department would get back to me. 
On XXXX I spoke with yet another agent after not receiving any call from the wire department. He advised to wait until XXXX. I just got off the phone I spoke to 4 agents. I requested to speak to a supervisor. She after doing some research told me the wire department would call me back in two business days which would put me at Wednesday XXXX for someone to call me and it could take another 10 business days to resolve the {$2000.00}. 
Needless to say this is unacceptable. Ive been a WFB customer for a long time. Call the XXXX. I've done the voice verification. The automated response is very frustrating. Once I ask for customer service it asks what is the issue. I ask for customer service. After a wait I will get an agent. 
I'd like a response on Monday XX/XX/2021. If not I'm emailing all board members and cc'ing the FRB, CFPB, and FDIC. I'm very close to contacting my attorney. This letter is my attempt to resolve this before litigation. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed TransUnion a letter that contained the most recent and accurate information along with the dispute on the account with XXXX. It was sent on XX/XX/XXXX, but their response to the issue number XXXX did not address it.
Product: Debt collection

I requested that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is reporting a credit card account on my credit reports that does not belong to me. I disputed the account with the credit bureaus and it came back " verified ''. I then sent them a letter on XXXX XXXX, XXXX ( please see attached ) requesting validation of this account and they responded with XXXX letters saying that they could not provide the information I requested ( please see the attached ).
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 having funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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

In accordance with the fair Credit reporting act, I sent this company multiple letters exercising my right to privacy, I explicitly informed them that I did not and never consented to REPORTING CONSUMER EXPERIENCE, yet this company continues to violate my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I sent this company letter on XX/XX/2023 via USPS Certified Mail # XXXX to remove this inaccurate information that has already been PAID IN FULL, yet this company is continuing to report that the account is delinquent when they have in fact already been PAID IN FULL. This company is preventing me from opening bank accounts, I have been denied over 7 times and been hit with multiple hard inquiries as a direct result of this company 's actions.
Product: Credit card or prepaid card

XXXX XXXX was notified of a reinvestigation into my credit report due to an error on the part of XXXX. 

I discovered this when I called XXXX to verify they had no other fraudulent accounts under my SSN at the advise of the FTC. During that call I was advised by XXXX that they closed my XXXX XXXX store card due to this re-investigation. When I inquired into having my card re-issued I was told that not only were they NOT going to re-issue my card, I would not be able to open another XXXX XXXX account until my balance was paid in full. I have had this same card since 2008 and had a perfect payment history over the 10 years my account was open. Finding this COMPLETELY unacceptable, I closed all active XXXX accounts in good standing. 

Over the weekend I received an alert on my credit from XXXX. When I opened it, this XXXX XXXX acct shows on my credit as " Closed BY Grantor ''. I want this fixed IMMEDIATELY as that reason for closing my account has a negative impact on my credit score.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BK OF AMER XXXX, BK OF AMER XXXX
Product: Prepaid card

My girlfriend and I bought an american express gift card. This card will not work online or in stores. We've been getting nothing but the run around from American express. They're basically holding our money XXXX.
Product: Mortgage

My wife and I bought a house by signing a contract with seller and recorded with the county for {$390000.00} in XX/XX/2019. House was held with {$50000.00} down paid to seller in XX/XX/2019. We spent hundreds of hours and tens of thousands of dollars fixing it up for appraisal and new mortgage. In XX/XX/2019 I applied for a mortgage with LoanDepot and an appraisal was ordered and completed in XX/XX/2019. During loan process I was asked and I signed a PMI form, I pointed out that the appraisal will be much over the 20 % LTV needed. I was told it gets dropped when appraisal value shows this new LTV.

Appraisal came in at {$610000.00}, Mortgage taken on house {$340000.00} At closing I was told just sign its an easy fix. I have contacted HomeDepot PMI removal dept. twice explaining this. Both times I receive a form letter explaining how to pay {$28000.00} to get PMI removed, or wait two years. 
How do I proceed with getting PMI removed? 
Thank you, XXXX XXXX
Product: Credit card

On XX/XX/year>, I booked a stay at a hotel in XXXX, CO through Capital One XXXX. I was charged over {$1500.00} for this stay- which was higher than other prices I found though different merchants. When I booked, there was no mention of additional fees, except for extra guests, which was not a concern as I was traveling solo. 

I checked into the hotel on XX/XX/year> and checked out on XX/XX/year>. At the time of checkout, I was given a bill of {$140.00} - after seeing that Capital One 's travel partner had only sent {$920.00} of the {$1500.00} I paid to cover my stay. Although I felt this was unfair, paid this amount using my Capital One card. 

I contacted Capital One to resolve this issue, as I had already paid for my stay and was unfairly charged more, for the XXXX Rate ', 'amenity fees ', and addtional taxes ( although I had already paid over {$300.00} in taxes ). 

I have called Capital One XXXX over 5 times in the past month, and have been given multiple promises for them to contact me back with updates - but they do not follow through. I have to keep calling to ask for updates and pushing forward to understand these charges and get them resolved. 

I finally got about half of the charge refunded- but I think the entire charge should be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my 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
Product: Checking or savings account

On Friday XX/XX/XXXX I made two attempts to reach someone at online banking when I attempted to change my " pay from account '' list under Bill Pay. I was on hold in excess of 20 minutes each time. On Saturday XX/XX/XXXX at the branch I asked for assistance and was told I had to call online banking. Later that day I called XXXX again a 20 minute wait. I spoke with XXXX XXXX ( XXXX in the survey that was sent to me ). 
I reviewed my issue with the agent and requested that for my XXXX I wanted the Pay From List be changed to ONLY reflect my checking account ending in XXXX. He implied he was making the change as we spoke and indicated it would not be reflected for 24-48 hours. This made sense to me because I assumed it would go through batch processing. It's been 48+ hours and the changes have not been made. 
I am using the CFPB route for assistance me, as I understand it from XXXX, the bank has an online banking center in Arizona that is not working due to " something '' and they are down 100 agents so wait times are excessive. 

Assuming the agent took care of my request I responded affirmatively in the survey - those positive responses for XXXX are retracked. Perhaps waiting 48 hours before the bank sends a survey makes better sense so that customers can respond based on the bank doing what it said it would do.
Product: Debt collection

I keep getting letters in the mail from Jefferson Capital about a debt with XXXX XXXX. I currently switched to XXXX from XXXX XXXX XXXX and even with XXXX XXXX XXXX  I was getting those letters in the mail every so often, so I dont know what theyre talking about. 

Thanks for your help and time!