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

Purchased an item on XXXX through PayPal, in early XX/XX/XXXX. I was issued a partial refund of {$11.00} from the seller. PayPal refuses to credit the {$11.00} back to my account. I've spoke with customer service on 5 different occasions, emailed and chatted on line with customer service but to no avail. PayPal associates said ( XXXX ) it was return to my account, but I nor my bank has any transactions to support that claim. I spoke with the XXXX help line twice for any help at all, but the two companies are separate. I tried to close the PayPal account but they show I have {$11.00} on the books and can not close because of that, then true as that is, how could they have returned the {$11.00} to my bank and on what date? There is not a PayPal location in my state of Va, the headquarters is in Ca., please help.
Product: Credit reporting or other personal consumer reports

I NOTICED I HAVE UNAUTHORIZED INQUIRES ON MY CREDIT REPORT, I HAVE MADE AN FTC REPORT AND I WOULD APPRECIATE HELP GETTING THESE REMOVED 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

XXXX XXXX XXXX XXXXXXXX XXXX did a hard pull on my Equifax credit report and I did not authorize this. I did receive a letter from XXXX XXXX XXXX XXXX XXXX and I did call them and was told that This was fraud and I needed to report this ASAP I have Neve heard of XXXX XXXX XXXX XXXX XXXXXXXX They said that their name was being used without their permission and that they have had several complaints about peoples credit report being pulled when they did not authorize it
Product: Credit reporting or other personal consumer reports

This has been ongoing. I purchased this car XXXX of last year. I have made at least two payments that were returned but I corrected them and I paid the return fees, late fees and miscellaneous fees. The miscellaneous fees will not State what the fee is for. I don't know why I'm receiving these fees. When I asked about them I can't get a straight answer.Since then I have been receiving late fees and incorrect postings of my payments. I've received different answers regarding my inquiries with each individual I speak with. I have never been over 30 days late paying on my car note. But I recently saw that I have a credit report of a 30-day late. I have called and tried to resolve this ( XX/XX/year> ) with them but I was put on hold forever and then finally they hung up ( supervisor ID number XXXX XXXX ). I spoke with supervisor XXXX XXXX ID number XXXX on when I called back. He wanted to put me on hold again but I told him no I had already been on hold for XXXX minutes and I wasn't about to hold again. He stated he didn't see where I was late over 30 days and he would forward it to accounting for review to audit my account. I asked him if he can send me a copy of that audit and he stated he would have someone call me and discuss it with me. That's not good enough I want him to send me a copy I am entitled to a copy of that audit. 
At times they would tell me everything is going to be good they don't see it where it should have been reported and they're going to clear it up but every time I call back they say the same thing and it never happens. I am trying to clean up my credit due to a recent bankruptcy and this is driving me crazy. No one at the company is taking me serious. This is holding me up for things I need to do and this is the only thing that's holding me up. I have late fees throughout my account that should not be there and other fees. But I can't get them to clean that up either. Some of my payments are being put toward interest and none toward principal. When I purchased the vehicle it was XXXX some odd dollars. It is almost a year later and I owe {$30000.00} in some odd dollars. Something's not right. I have caught a lot of the customer reps in lies about my account. It's like they don't know what's going on. Please help.
Product: Credit reporting or other personal consumer reports

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

Including accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. These accounts are not mine, and I have no connection to them. These inaccurate accounts are negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report. 

XXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled my credit report from the three credit bureaus. I noticed a few discrepancies : my name variation is incorrect, my employer is also showing incorrectly, and there's an account from XXXX in which there are discrepancies showing on all three credit reports. I have tried to contact all companies and kept getting bounced around agents, so this is the best method that I can use. 

When it comes to incorrect information, two of the three need my naming convention fixed and also need my current employer added onto the reports. All three are reporting XXXX differently and it's troubling. 

From the XXXX portion : XXXX- is showing the account is closed on XX/XX/XXXX. Also, it's showing a late payment in XXXX and XXXX of XXXX. The XXXX balance shows as {$240.00} and sixty days past due. Says the past due amount is {$61.00}. Look within the XXXX grid at past due, and you'll see it says {$0.00}, but somehow XXXX equates to sixty days. Also, if you review the Experian report, you'll see all the payments there ( and if need be I'll send screenshots too ). // Experian- It shows a late payment on XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. If the account was paid and closed on XXXX of XXXX, then how can it be late on XXXX? It even states the status was updated in XXXX, but how can that be if the account was closed in XXXX? Also, the late payment months are inconsistent with XXXX XXXX XXXX. Even the balance histories vs. the calendar doesn't match up correctly. The balances between XXXX vs. Experian alone doesn't match up. The XXXX balance is showing as {$240.00} and 30 days past due. // XXXX XXXX Now looking at XXXX XXXX XXXX shows good standing, which is different from the other two. Also, it's showing late for XXXX, XXXX, XXXX, and XXXX. It also shows date of last payment as " XXXX XXXX, XXXX ''. Also the date closed is " XXXX XXXX, XXXX ''. Going back to Experian, how could I be late in XXXX, if the last payment was in XXXX XXXX, XXXX? It even states Date of First Deliquency is " XX/XX/XXXX '' ; however, it's in good standing on the other two reports? The XXXX balance shows as {$220.00} and 30 days past due. Also, in the " Amount Past Due '' grid, there's nothing that shows in how much was past due. If you also notice, there's a comment that states " not_more_than_three_payments_past_due '' in account status, but if you look within the calendar grid, four months are showing. // B/c of these errors and violations, I have no choice but to attach all three of my credit reports to show the inaccuracies. I will also respond to a fair resolution within the appropriate section in detail.
Product: Checking or savings account

I contacted the IRS after not receiving my XXXX tax return, the IRS informed that it was sent to my deposit of {$12000.00} to my institution on XX/XX/XXXX. I contacted Wells Fargo whom said they did not receive my return. I checked and the IRS accepted and distributed my funds. The account was closed at the time when my refund was sent, which i informed Wells Fargo of.
Product: Mortgage

Facts : - debt was fully discharged in XX/XX/XXXX BK - in XX/XX/XXXX I contacted Citi, we reached an agreement of {$2500.00} to release the lien on my home - Per the letter from Citi " Upon receipt of certified funds, Citifinancial will release its mortgage on the property '' - As agreed, I paid the {$2500.00} via wire to Citifinancial on XXXX/XXXX/XXXX - I have contacted Citi numerous times since the settlement in XX/XX/XXXX, the lien is still not released - this is impacting my ability to complete a HARP refinance, which in turn is impacting my ability to keep my home
Product: Mortgage

I am re-financing a home equity line of credit borrowed from SunTrust Mortgage. I am filing this complaint with respect to triple charging an inappropriate " fax fee. '' SunTrust has XXXX charged me a {$20.00} " fax fee '' on my account in connection with my refinance ( see attached " SunTrust Online Banking Detail '' ). I have never requested any fax nor am I aware of any contractual agreement I made to pay a fee for faxing. In addition, SunTrust does not customarily have a charge for faxing, does not publish such a charge ( see attached " SunTrust fee schedule '' ), or charges between $ XXXX, not {$20.00}, for " expediting. '' I did not request expediting. I am only aware of XXXX fax being sent by SunTrust ( see attached " Suntrust payoff '' ), but SunTrust has charged me twice on the account for faxing. Furthermore, the SunTrust payoff numbers include a third {$20.00} fax fee. Thus, SunTrust has charged me {$60.00} in fax fees -- none of which I requested or agreed to pay. The cost of faxing a document is less than {$1.00}. {$20.00} for a fax fee, if I had agreed to pay XXXX, is patently unreasonable and excessive. Finally, the SunTrust payoff includes a {$20.00} fee for " Misc, '' a {$10.00} " Release Fee, '' and {$200.00} in closing costs. I have agreed to none of these charges. " Misc '' is not an appropriate description of a fee. SunTrust 's own documentation ( attached " SunTrust fee schedule '' ) states they charge XXXX for release. I have not agreed to pay any closing costs associated with this loan. In short, SunTrust has added {$290.00} to the payoff for my home equity line with no basis. Several charges appear to be blatantly fraudulent.
Product: Other financial service

Dear Sir or Madam : Please be advised the sole purpose of filing this complaint with your agency is due to Wal-Mart not honoring their money orders. Not to mention the fact, Wal-Mart is the seller for MoneyGram money order 's and refused to issue a full refund on a {$35.00} money order that was not used for purpose intended. The merchant refused to issue a full refund and/or exchange the money order for a new one after it was written out to another person. I purchase this money order from their store on XX/XX/2016. It was on the following day, XX/XX/2016, when I presented the money order to Wal-Mart for a refund and they denied the refund - with the statement that the money order is altered because I tried to correct the misspelled name. I explained to XXXX ( Wal-Mart cashier ), that the original money order is intact with the receipt and stub and all I need is to replace the money order and/or be refunded. Then XXXX stated ; " No you are not getting any of your money back and/or a replacement of that money order because Wal-Mart want get their money back from MoneyGram ''. I informed XXXX in the past Wal-Mart replaced my money order with no issues when I misspelled the name on it and this was never a policy. XXXX also stated to me Wal-Mart does not have any returned policy for selling MoneyGram money order 's that involved third party, which is MoneyGram. Then XXXX proceeded to contact MoneyGram, and she stated ; " You need to return the money order back to them and pay an {$18.00} service charged. I later contacted MoneyGram customer service and informed them that this is double-dipping ( Kick-back ) and that I should not be charge any fees due to the fact, I never lost the money order. After I informed the agent I will be filing a complaint with the Consumer Financial Protection Bureau and Office of Financial Institutions, she then reduced the fee to {$9.00}. I firmly believe this practice is illegal and fraudulent. The only time I believe anyone should be charge any fees, if the money order is lost and a stop payment is issued with a replacement of a money order. I do not believe this constitute that because I have the original money order, receipt and stub. I am requesting an investigation of Wal-Mart 's and MoneyGram business practices. I firmly believe they should not be allowed to sell money orders if they will not honor them. During my investigation, it appears other financial institutions do not honor Wal-Mart money orders. I greatly appreciate your assistance in this matter and look forward to your prompt response. 

Respectfully, XXXX
Product: Checking or savings account

i tried opening an bank account with navy federal companies and they told me i had an account with them thats been closed or i owe them but ive never been assoicated with any of there branches or never opened an account with them ( Navy Federal Credit Union )
Product: Mortgage

I had a shortage on my escrow account and the payment went up way more than 10 percent. When I tried to contact the lender to stretch my escrow shortage only for more than 12 months, the answer was NO, they can not. I don't understand WHY because every lender in America will provide help with this. 

My payment went up 20 percent. I guess PROVIDENT is out of touch with their clients. Also, I DO NOT want to beon COVID 19 plan which is the only thing their assistant XXXX recommended. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received a letter from lexis nexis stating they deleted the bankruptcy that was showing on my credit report off because they couldnt verify the account so it was deleted! I called & spoke with a CSR to let them know what was going on but I was getting attitude & saying what they couldnt r not gone do! Its very unprofessional & rude to customers who is trying to resolve a problem!
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEM. IN COMPLAINT NATIONAL CREDIT SYSTEM states that this account has been charged off. I have never given NATIONAL CREDIT SYSTEM any permission to share any of my identifying information with this non-affiliated third-party ( XXXX XXXX XXXX XXXX XXXX ). I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the definition of a charge off, pursuant to 7 CFR 1956.54, is " The writing off of a debt and termination of collection activity without release of personal liability. 'XXXX XXXX XXXX stated that " we are obligated to report true and accurate information to the credit reporting agencies. '' This is false information. Nowhere in the FCRA does it state that they're required to report negative information to my consumer report. Being that I don't owe NATIONAL CREDIT SYSTEM ANYTHING I have reason to believe that NATIONAL CREDIT SYSTEM is choosing to share this non-public negative information to my consumer report with fore thought and malice as an attempt to bring harm to me and my financial reputation. I am demanding that this account is to be removed from my consumer report along with any negative information that is attached to this account. 

I DEMAND THIS ACCOUNT TO BE UPDATED TO PAID AS AGREED OR REMOVED FROM MY CONSUMER REPORTS OR I'LL BE FILING FOR LITIGATION AND DEMANDING {$1000.00} PER VIOLATION. 

XXXX XXXX XXXX - account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, were still suffering financially from the after effects of covid. I have since been laid off again it was suggested we ask for a deferment or forbearance I was told that we had one deferment and unable to qualify for a forbearance and will not allow us to temp lower payments. Our contact at shellpoint mortgage XXXX XXXX said we can only qualify for a high repayment plan or suggested we sell. I told him I XXXX and that is not an option right now. I have spoken to so many people in similar or worse conditions and have been on forbearance for up to 180 days and received numerous deferments can you please investigate this. I believe theyre discriminating due to being XXXX and on XXXX
Product: Mortgage

Hi, I am XXXX. I hope you read my report this time. My mortgage company is trying to charge me for being three months behind on my mortgage. I am only two months behind, I paid in XXXX, didn't pay in XXXX and am unable to pay for this month ...... 

That being said. I am also tring to get CA Mortgage Relief. I applied. Then I check and without out notice I find out that my loan servicer decided to tell CA Mortgage Relief that I was not deliquent in my payments and therefore they canceled my application. I mean make up your mind SPS. Right? 

So, please help this XXXX indvidual who is waiting on the XXXX termination appeals process to get payments in order to pay back their loan servicers. Since I don't have income they refuse to offer me forbearance, but you should re-read the other XXXX complaints I have already made. 

Also, if you have tried to call or anything like that my X cloned/hacked my phone, so I am not guranteed any calls. His name is XXXX XXXX and his wife XXXX XXXX is equally guilty. They probably did something to my bank account as well. 

Thank you for you help so far in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using Equifax website and phone line both, I was unable to lift credit freezes for myself and for my wife. When I finally reached an agent some 25 minutes later, I was told their website was being updated. AT XXXX, MST time, I really doubt this. 

I finally got my credit lift squared away. My wife is not home yet so we can not complete the process and we need to do this quickly. 

WHY IS THE GOVERNMENT ALLOWING THIS COMPANY TO CONTINUE WITH PROBLEMS LIKE THESE?? 

IF THEIR WEBSITE IS BEING UPDATED, THEY CAN CERTAINLY LIST IT ON THE SITE AT THAT TIME AND SAVE CONSUMERS ALL THE HASSLES OF TRYING TO COMMUNICATE WITH THEM. 

I HOPE SOMEONE CARES ABOUT THIS
Product: Vehicle loan or lease

My car loan was on deferment due to Covid. Bank of America mishandled the re-payment process, very poorly. They failed to inform customers, they failed to connect the customer to the people to get additional help, they failed to even know where to connect the customer, they failed to care, they failed to do everything right, but did a great job at doing everything wrong. I requested a call from Corporate 27 times via physical mail, XXXX, emails and phone calls. They failed to respond to the XXXX XXXX XXXX complaint report. Now the bank is harassing me with phone calls even though they RECEIVED their payment in XX/XX/2020, trace number XXXX / XXXX ID XXXX. The staff is extremely rude, dismissive, condescending and make things up. I am an outstanding customer for many years, I will never do business with them again. I want results asap.