23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

MEMBER NUMBER : XXXX I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding a disputed charge on my Navy Federal Credit Union XXXX XXXX card, totaling {$2800.00}, related to a transaction with XXXX on XX/XX/XXXX. 

Background : I booked an accommodation through XXXX and split the payment, with half of the amount charged to my XXXX XXXX card and the other half charged to my Navy Federal Credit Union XXXX XXXX card. Upon arrival at the property, it became apparent that the property was grossly misrepresented in the listing, being uninhabitable due to various issues such as mold, dirt, malfunctioning amenities, and overall unsanitary conditions. 

Dispute Process : I immediately initiated a dispute with Navy Federal Credit Union regarding the {$2800.00} charge on my card. Initially, they provided a provisional credit pending investigation. However, on XX/XX/XXXX, Navy Federal Credit Union charged back the {$2800.00} to my card, claiming that XXXX XXXX informed them that the dispute was closed and not found in my favor. This is despite the fact that XXXX XXXX, after conducting a thorough investigation, found in my favor and issued a refund for the first half of the payment made through their card. 

Communication Efforts : Since XX/XX/XXXX, I have been diligently reaching out to Navy Federal Credit Union 's customer service department, making numerous calls and submitting over 35 requests through their website for communication. However, their customer service representatives have been unhelpful, stating that they will not reopen the investigation based on misinformation about XXXX XXXXXXXX XXXX stance. 

Request for Intervention : I am disputing this charge and seeking your intervention for the following reasons : The property in question was uninhabitable and did not meet the advertised standards. 
XXXX XXXX, after conducting its investigation, found in my favor and issued a refund for the first half of the payment, proving the validity of my claim. 
Navy Federal Credit Union 's refusal to reopen the investigation or communicate effectively with me despite evidence and multiple attempts on my part is unacceptable. 
Enclosures : Attached to this complaint, you will find : Documentation of the original XXXX listing and the property 's actual condition upon arrival. 
Screenshots and transcripts of communication with Navy Federal Credit Union and XXXX XXXX. 
Proof of payment and refund from XXXX XXXX. 
Records of attempts to communicate with Navy Federal Credit Union 's customer service. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and facilitate a fair resolution, including the reinstatement of the {$2800.00} chargeback on my Navy Federal Credit Union XXXX XXXX card. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB,, I am contacting you with hopes to get some resolve with my issues that I am having with identity theft and trying to demonstrate to these companies XXXX XXXX, and XXXX XXXX, XXXX and Equifax that my identity has really been used and was used making transactions with my name and not by me or my behalf. I've sent my drivers license, and more to prove I am who I am and not anyone else Both are the only two that seems to be ignoring the fact that I am sending every document under the moon to get help and remove the negative information with XXXX XXXX stating they called the police department. Not sure how they even stated what they got because here is the actual report again. Maybe this will demonstrate that what I am saying is in fact honest and true. Today XX/XX/2022 I received a letter from the Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX because of my identity being stolen and that a payment was schedule to be sent because they had " ALL '' of my information including banking information. They filed on behalf of me using my name and had a dependent child and I now have to do another affidavit and police report with my identity. It doesn't get any more official than this and this and I have been plagued with this for several years now. I work, have a W2 and it's scary to see what is continuing to happen to me and I haven't filed my taxes yet. Attached are the IRS documents and as we speak I am initiating a new police report because of this situation as instructed by the IRS who also says to report this to all three of the major bureaus. In the case of XXXX XXXX it shows that you have transferred the account with this fraudulent account please send me the documents used to open the account please! if not I kindly ask that you not report this erroneous information with the purpose of continually destroying my credit worthiness. XXXX XXXX I ask that you do the same. If you both can't please delete and I send this to you with my original filigns because it illustrates what is still happening to me. This time they used my personal information to file government taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

please be advised, Ive been a victim for identity theft. Ive seen a number of fraudulent things on my credit report. 
XXXX XXXX  ( XXXX  ) Whom Ive never done business with or entered into a signed contract. This account is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows I am an authorized user with my ex girlfriend on a Wells Fargo credit card account . We have not been together in over 4 years  and have no recollection of signing anything for Financial  responsibility  in regards to a  XXXX debt that’s now classified as a charge off. I wish to have this removed as soon as possible thank you
Product: Mortgage

XXXX XXXX XXXX XXXX & Bayview Loan Servicing LLC have jointly engaged in fraudulent and deceitful tactics designed to prolong, frustrate and extend the reasonable time allowed to furnish a mortgagor documents demand in a closing such as payoff letter, conditional lien and XXXX release upon full payment and cancelation of assignment of rents upon payment in full. The tactics have proven to be very profitable where month after month they collect on additional mortgage payments and interest that would not be otherwise due. In addition, they are claiming illegal and unlawful fees to record a mortgage discharge and for payoff letters which are totally abusive and illegitimate. I have asked for a copy of my mortgage which they provided for a fee because they claimed all the fees would be detailed but none of it was true, these two company whom pretend to be distinct actually share same office space and ownership and I believe are employing extremely fraudulent tactics. None of it is getting noticed by anyone on the enforcement side. it must be someone protecting them again, I demand a full investigation into these illegal and fraudulent conduct by such bid companies that affect the lives of so many consumers.
Product: Credit reporting or other personal consumer reports

On XX/XX/ 2024 I mailed letters stating that these companies are in violations of code 15 USC 1681- Permissible Purpose.

15 USC 1666B- Timing of Payment 15 USC 1637B- Statement required with each billing cycle.

15 USC 1681 i- of this title state " report containing solely as to transaction or experience between the consumer an the furnisher making the report '' an a late payment is considered a transaction. 


It has been over 45 days an i have not got a response back.
Product: Debt collection

Reported Aspire Credit as Fraudulent, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. Aspire could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.
Product: Student loan

Nelnet, a part of XXXX, has failed me as a borrower for years and I absolutely support the CFPB in their claim against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 170 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Product: Checking or savings account

On XX/XX/year>, I opened a fraud claim with Bank of America regarding an unauthorized debit card transaction totaling {$1200.00}. Bank of America investigated the claim and denied it stating that my signature was on a receipt or a contract and that the charge was either authorized by me or someone with my permission. This is entirely false. I sent bank of American 2 follow up letters and have given them time to respond in between and have made multiple phone calls, but they continue to deny my claim without providing adequate justification. The claim number is XXXX I am requesting further assistance with resolving this matter.
Product: Credit card or prepaid card

Dispute Case Number CapitalOne : XXXX XXXX XXXX XXXX XXXX I have subscribed to a XXXX Marketing Managed Service for my XXXX XXXX XXXX XXXX XXXX XXXX worth {$2800.00} it was an initial 3 months contract, where they were supposed to manage my store starting from testing XXXX products a month to a lot of listed services. They failed to provide me the service and they continued the subscription for free for some time, however, I was paying for all the operational expenses thinking it will get sorted, however, they were lazy and lack of strategies and I was losing money. I reported to CapitalOne. I have provided them communications, subscription details as given on his websites, including a Second Opinion where it clearly indicated that XXXX XXXX XXXX is at fault. According to CapitalOne Dispute Team Member : XXXX ( ID : XXXX ) XXXX is not looking into my dispute seriously nor reviewing my case properly and CapitalOne is just a middleman here. For the past couple of months, I have been running back and forth, I also shared communication where the XXXX XXXX XXXX XXXX literally threatened me to block me and made me a laughing stock that they are winning the case. I even contacted XXXX even they are just throwing me back to CapitalOne. I need your help so that my supporting documents are reviewed properly and I want my money back. If the merchant was willing to negotiate and change the account manager I would have worked with them or even coordinated a proper refund I do not have any problem, but here neither CapitalOne/XXXX gave the effort to review all my documents. They have a standard list of documents that may not be available in all cases. I need your help here to address this matter as a customer. I appreciate totally that CapitalOne accepted my dispute beyond the 90 day period but after taking the case, they are not even reviewing my case, they use some kind of AI technology to review my dispute for sure, or else this case is very strong in terms of pieces of evidence and supporting documents I have shared. I have never missed a single payment I always paid on time to CapitalOne, even the amount I am claiming was fully paid. I would not have claimed it if XXXX XXXX XXXX would have worked diligently as per the subscription that was agreed.
Product: Vehicle loan or lease

Westlake financial has me on a auto loan that I never signed for it belongs to my ex fianc which knew all my information so I'm guessing the car lot let him add me to the loan as a co applicant without my knowledge. I spoke with them and they told me to dispute it and they would take it off. I disputed and they didn't take it off even after explaining the situation. This needs to be removed off of all three of my credit reports because I will take this as far as I can.
Product: Money transfer, virtual currency, or money service

I paid for XXXX tickets for myself and XXXX XXXX to get back home and never received the tickets so I couldn't even cancel or change my time or bus route. They staff were rude and didn't help me at all they said that i was beat. I didn't receive help or compensation any information whatsoever. I received a recipe today that states I boarded the buss, that is a absurd. So now I had to pay out of pocket again, and I'm stuck in XXXX Texas. And I don't have the money to get home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed two fraudulent medical accounts XXXX XXXX XXXX in the amount of {$1500.00} and XXXX XXXX XXXX {$65.00}. Along with 3 inquires. I have reached out by phone on XXXX XXXX to EXPERIAN, XXXX and XXXX. I was informed to complete a FTC Identity theft report. I mailed my true identity, supporting documents to validate my identity, and the FTC report on XX/XX/2021. The account came back verified. I called the Companies in question and was informed to call the Credit Bureaus. The Bureaus are not properly validating the accounts. I have not signed or authorized to request for these companies to have financial ties on my behalf. I am disappointed as a consumer the Bureaus are not responsively upholding the credit laws Section 609 AND section 605.
Product: Mortgage

The mortgage in question began on or about XXXX the XXXX, XXXX. I wondered how I was approved for the loan from XXXX with my credit the way it was and my debt to income ratio ; and they told me my wife at that time did not have to sign the note. Bad decision. Went to XXXX XXXX/XXXX/XXXX to what I might could do to stay in my home. Had to apply for a modification, after that had to file bankruptcy ( chapter XXXX ). I was discharged XXXX XXXX, XXXX. There was a class action lawsuit against XXXX during this time that I never could get the true facts of who and what it included. I basically heard nothing from XXXX after the bankruptcy except for a monthly statement that was as stated on it ( for informational purposes only ). But did not receive this statement every month. This went on for about three years. Next thing I know I receive a letter from Caliber Home Loans on XXXX XXXX, XXXX that stated that the prior owner had sold the loan to XXXX Master Participation Trust on XXXX XXXX, XXXX. Not long after that, well about 3 months I received a mortgage statement dated XXXX/XXXX/XXXX from Caliber Home Loans saying amount due {$70000.00}. Of course I was floored. Wow. So I started wondering what to do since work had been bad and basically my only source of income had been unemployment.. Found a job not long afterwards but not enough income to afford the payments without a major adjustment to something concerning the mortgage. Went back to housing Counseling on XXXX/XXXX/XXXX to look at options to prevent foreclosure and stay in my home. On XXXX/XXXX/XXXX sent a Qualified Written Request Letter to Caliber Homes Loans. I received a response letter back on XXXX/XXXX/XXXX, some requested information was answered other requested information was tagged as ''PROPRIETARY INFORMATION ''. I sent back a response letter on XXXX XXXX, XXXX requesting any and all options for LOSS MITIGATIONS that might be available to me. To date I have received a response from Caliber Home Loans, but no answer to the Loss Mitigations Question. I also sent a letter of REQUEST FOR INFORMATION on XXXX XXXX, XXXX. The last letter that has been sent to Caliber Homes Loans c/o XXXX XXXX was sent on XXXX XXXX, XXXX also requesting again Loss Mitigations options available to me and Documents of Legal Transfer of Property from Household Finance. Have not received a response to date except for the 5-day acknowledgement letter. However on XXXX XXXX, XXXX went to my foreclosure hearing in XXXX County North Carolina and the XXXX XXXX XXXX granted the foreclosure sale to be XXXX XXXX, XXXX. I am now in the process of trying to appeal the decision because I found in the paperwork given to me at the hearing that XXXX XXXX XXXX XXXX, XXXX changed the SUBSTITUTION of TRUSTEE to XXXX XXXX XXXX, XXXX XXXX days before the Court Date. Is that legal in North Carolina? Or is it legal to have XXXX substitution of trustees on the same Deed of Trust?
Product: Debt collection

This is some XXXX in North Carolina. I live in PA and ive Has insurance for the past two years. I tried to explain that to them and they just send back a letter asking for the money again. the second time I tried to call the guy wanted money and to try to transfer me around and sell me other products. I've got these from a few other states and it says my info is on the XXXX XXXX. They have gotten me for taxes unemployment hospital bills, Pay pal accounts and all kinds of stuff. 
I've already filled out the appropriate forms with the IRS, FTC, I've Tried the attorney General in there state and didn't Hear back and spoke with our state representative XXXX XXXX 's office And they had me call the state rep in North Carolina and i never her back the same happened in Several other states. Ive had bank accounts emptied, taxes filed in my name, phones disrupted.
Product: Debt collection

On XX/XX/29 around XXXX I received two texts claiming to be from " Glass Mountain Capital LLC XXXX. These texts can be seen in the attached. It was vague and provided a phone number and a link https : //www.glassmountaincapital.com/pay-my-bill.html I am suspicious of this correspondence for the following reasons : 1 ) The phone # provided in the text was different from the phone number that texted the message. 

2 ) I have no known overdue debts and my credit report reflects the same. 

3 ) I XXXX the name and it revealed it is a debt collector. The text made no mention of it being an attempt to collect on an alleged debt. 

4 ) As of today, Glass Mountain Capital LLC has not provided a mailed letter providing proof of a debt and may be in violation of the Fair Debt Collection Practices Act.
Product: Vehicle loan or lease

THIS IS A LEGAL NOTICE AND WILL BE USED AS EVIDENCE IN A COURT OF LAW On or about XX/XX/XXXX Navy Federal Credit Union repossessed my 2013 XXXX XXXX without providing my right to Due Process nor having cause to repossess my automobile. 
In the year XXXX I requested transactional information of our auto loan agreement. To date Navy Federal Credit Union has not provided the information I have requested. Due to the fact that Navy Federal Credit Union either refused or failed to provide the essential transactional information I requested I informed Navy Federal Credit Union that I would cease to remit any payments to Navy Federal Credit Union as I was not sure and had doubts of the accuracy of the information of the auto loan agreement we signed. 
On several occasions in XXXX and XXXX Navy Federal Credit Union contacted me about payment to my auto loan agreement. I never informed Navy Federal Credit Union that I refused or did not want to pay, I merely informed Navy Federal Credit Union that I would make payments upon receiving the transactional information I requested to ensure I was making the correct payments and in accordance with the agreement. I informed Navy Federal Credit Union that there was an error in my auto loan agreement and that I wanted to review the information first before making payments. Navy Federal Credit Union refused to provide the information. 
Today, XX/XX/XXXX, without notice to me that Navy Federal Credit Union would take my automobile nor a Warrant issued by a Court of Law was presented to me as the Authority to take my automobile. Navy Federal Credit Union took my automobile without my knowledge consent nor authority to take the automobile.
Product: Debt collection

I have turned this debt over to XXXX XXXX to work out a settlement to work with Regional Finance to settle this debt and they refuse to work with me to settle. They call me all day over XXXX to XXXX times a day. They sent me a letter to seize my personal property. I again referred them to XXXX XXXX to work with them and they refuse. They call my employer and do not want to work on a compromise. I already informed them I am trying to work on a settlement they refuse
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital One Financial Corp Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX US RE : Fraudulent Transactions/Identity Theft OF Account number XXXX To Whom It May Concern, On XX/XX/XXXX and XX/XX/year>, deposits were made into my account amounting in the total of {$7700.00} since then - there have been multiple unauthorized transfers and charges made on my account. On or about XX/XX/XXXX, I contacted your fraud department about this. Nothing has been done. Since then, multiple attempts have been made to contact and dispute charges on my account due to identity theft there has still been no resolution. I have not had any access to my account since XX/XX/year>. Unfortunately, this has left me no choice but to file a complaint with the Consumer Finance Protection Bureau. 

To resolve this problem, I would like to demand a refund of the XXXX that was taken from my account. I would also like for my account to be secured in any way, as well as any negative remarks removed from that may have possibly incurred from this act of fraudulent activity. I have enclosed copies of my corresponding documents. 

I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent. I look forward to your reply and a resolution to my problem. I will wait until XX/XX/year> before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax concerning the inaccurate credit limit for my XXXX account with XXXX XXXX. Equifax sent me a copy of the results of my dispute. The credit report sent to me, showed that the wrong credit limit was being reported by XXXX XXXX, or Equifax themselves. I emailed XXXX XXXX several times now with no response. XXXX XXXX has no phone number to call, so I sent XXXX XXXX, and Equifax the documentation proving that my credit limit was raised on XX/XX/2023. I called Equifax, and the agent said that XXXX XXXX submitted a report in response to my dispute, and that XXXX XXXX says that they are reporting the credit limit as accurate, which is untrue. I will be submitting documentation to you proving that the dispute to Equifax yielded inaccurate information. If you look at the " Historical Account Information '' from the report from Equifax, in the second box down for XX/XX/2023 entry it shows the correct amount, and then Equifax changed it back to the old credit limit. No other credit bureau is reporting inaccurate this credit limit wrong, just Equifax, who has a history of providing false information verbally and submitting false credit report information.
Product: Mortgage

I requested a loan estimate on XXXX XXXX, 2021 that had zero dollars in the PMI column, later when we were when I reviewed the closing disclosure they added {$140.00} to my monthly payment. 
I only caught this when I learned they were selling my loan and I revisited my paperwork.
Product: Student loan

On XX/XX/XXXX I attempted to change my payment plan to a standard repayment plan. On XX/XX/XXXX I was notified that my student loans had placed in deferment. I submitted an email pointing out this error and requesting that it be addressed. In response I received a stock letter and no further contact.