23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received a service on XX/XX/2023 from a XXXX member and it was not done correctly/properly, I have been fighting back and forth with XXXX and Navy Federal Credit Union ever since. I reached out to the servicer ( " XXXX XXXX XXXX XXXX  ; XXXX contact : XXXX XXXX, XXXX ) the following day XX/XX/2023, about my unsatisfactory experience, and although she first suggested that I could come back in and get it redone, we had a disagreement of what I originally asked, I asked for a refund and she said that she would give me a partial refund ( not even half of the cost ), but she has yet to do so since. She has also stopped communicating with me to resolve this issue. When I paid for the service, I paid through my banking organization ( Navy Federal Credit Union ) that had a partnership with XXXX. Since I paid through my banking app, I originally reached out to my bank via email and over the phone and asked for a partial refund ( {$130.00} ), but they told me that because I sent her money through the XXXX section on my banking app, it's a " P2P '' purchase and I would need to work it out with the seller and/or XXXX. Unfortunately, the seller/servicer is not returning my calls or messages anymore, so I reached out to XXXX 's customer support via email and their phone service multiple times now. XXXX told me that I have to work out it out with my bank. I told them that my bank told me that I had to work it out with XXXX or the servicer, and I had already informed them that the servicer is not trying to cooperate with me at all. XXXX gave me no resolution whatsoever, and essentially implied that I was going to be out of my {$240.00}. I also filed a complaint with the XXXX XXXX XXXX for the servicer ( SXXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union, and XXXX 's owner XXXX XXXX, but none of the complaints have resolved anything.The servicer refuses to acknowledge that the service she provided is not what I asked for or what was promised, and no matter how many times I try to reach out to her through her phone or her social media accounts, she's ignoring me. Navy Federal Credit Union nor XXXX is not providing a solution to the servicer after all these months no matter how many times I try to make a complaint! My bank continues to tell me that they can't do anything because it's considered a P2P charge, and XXXX won't do anything because it was purchased through my banking app. The service was a scam because I did not receive what I was promised or paid for!!!
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX XXXX XXXX ) an XXXX XXXX XXXX showed up at XXXX XXXX XXXX XXXX to purchase 2x new fridges and 2x new gas stoves. He said that he was in progress of " renovating '' a double unit house in the area and that his " boss '' put him in charge of getting some new kitchen appliances. We eventually came to a deal for the 4x appliances at XXXX $ and he would be picking them up. I checked his ID and credit card for matching name etc. It matched up, but the credit card was infact a business card. It had the business name ( which I can not remember ) and then his name, XXXX XXXX. The card was beat up, but did not have any sketchy attributes ( aka unaligned letters etc. ). He went to pay, but neither the swipe or chip was working. He said it had been acting up lately, which was suspicious but does happen sometimes... I told him to come back when it works and the deal will still stand. He came back the following day and pulled out the same card. He told me it should work and that we can just key it in. I was reluctant, but the guy was persistent and did not seem weird about it ... also the fact that he tried to make a deal in the first place was not typically of a fraudulent transaction. He paid the XXXX XXXX got a XXXX to pick up appliances, and then was back in roughly an hour. We loaded him up and he was gone. We thought everything was fine until we recieved a credit card dispute through Square on XX/XX/XXXX for the whole amount with the reason being that they did not know about the charge. We then reached out to XXXX XXXX phone # from one of our shop phones that he would not recognize, and said " Is this XXXX? '' and he replied " Who is this? ". Note he did not deny that it was not him. We then directly confronted him about the dispute, a read receipt popped up showing that he saw it. We then tried to call, and the phone immediately went to voicemail and the messages would no longer go through. We were blocked/his phone was disconnected. 

Police Report # : XXXX
Product: Debt collection

Midland Credit Management have contacted my parents by mobile telephone numbers they obtained by searching my address online. They informed my father XXXX XXXX XXXX that he owed a debt of over {XXXX, and that a payment needed to be made to avoid a complaint from being filed and credit being ruined. My mother received a phone call asking if she was my wife and to confirm information about a loan that was issued.
Product: Checking or savings account

I, XXXX XXXX XXXX XXXX experienced identity theft on XX/XX/2022. 

TD Bank Account : In my name a checking account was opened : XXXX savings account information : XXXX I did call and communicate with the company that this was fraudulent.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/year>
Product: Debt collection

This account was obtained fraudulently due to identity theft. I have tried to dispute this account several times and the debt collector keeps telling me that account is verified. I now have a lock on my credit to make sure this never happens again. I have asked to be sent the original contract with my signature so I can go threw the proper Chanels to get this taken care of and still I have not received this. This debt is in the amount of {$1000.00} from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company who has been reporting the wrong information along with the credit bureaus .... XXXX and XXXX has removed the item but Equifax has not ... Also I have ask all three bureaus to stop reporting a negative late payment I have contacted the company and there saying that they are not reporting any late payment ... I have ask if they could send the bureaus something in writing so that this could stop having a negative affect on my credit .... I have done everything I can by calling, summit documents and still no removal. Im just asking if these items to be removed ... Thank You
Product: Checking or savings account

I was charged various fees numerous times without my knowledge to the point that my account would be overdrawn countless times when I had the correct amount of money in my account for any transactions that I made. They falsely charged these fees and I would like to be reimbursed for my money and also due to these issues my account was falsely closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE CREDIT BUREAUS ON SEVERAL OCCASIONS ABOUT THE INACCURATE REPORTING ON MY CREDIT REPORT. I HAVE to ASK THEM TO REMOVE PERSONAL ADDRESS AND ACCOUNTS THAT WERE CLOSED SHOWING A BALANCE WITH HIGH USAGE AND THE ACCOUNT IS CLOSED. XXXX XXXX BANK SHOWING USAGE XXXX PERCENT ON A CLOSED. I HAVE REACH OUT TO THEM IN XXXX. I HAVE NOT GOTTEN THE RESOLVE THANKS
Product: Debt collection

Dear Sir or Madam, On XX/XX/2020, my Attorney XXXX XXXX XXXX XXXX XXXX wrote RAS LaVrar Law Offices a 14-day {$1000.00} demand letter for violating the Fair Debt Collection Practicing Act. 

However, the law office never responded back.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL of my XXXX XXXX loans are closed and discharged in full under the closed school discharge. It took a previous CFPB complaint to get Navient to properly close loan number 4 out. That one is fixed, however they are still reporting all loans open with full balances on my credit reports. I emailed them a couple of weeks ago asking when they were going to update it as they have updated the XXXX ones that I am paying on but conveniently have left these still showing a $ XXXX balance when it should all be closed and {$0.00} and they ignored it.
Product: Mortgage

A Consent Order Granting Motion To XXXX XXXX for our loan was issued XXXX XXXX, XXXX. As of this date, One Main has not filed a Satisfaction of Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified both my local police department and the Federal Trade Commission by completing an identity theft report and sent a copy of all my documents to the following credit reporting agencies : Equifax - XXXX XXXX XXXX, XXXX, GA XXXX, XXXX - XXXX XXXX XXXX, XXXX, TX XXXX XXXX and XXXX - Fraud Victim Assistance Department XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX XXXX 

15 U.S. Code 1681c-2 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. It has been a number of days since I reported the theft, I have received an acknowledged receipt of my submitted documentation, yet the fraudulent items remain on my credit file. Your company is in violation of this law because I am a victim of identity theft. The items attached in the correspondence need to be deleted immediately.

These accounts should not be furnished on my consumer report as they are in violation! Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a Federally protected consumer. No consent is identity theft! As a consumer I am demanding the deletion of the accounts listed in my dispute.
Product: Credit card or prepaid card

The category doesn't quite match my complaint. I signed up for and was approved for a CapitalOne Platinum card. When I was approved, I was given a message saying that my account had been merged with an account I had ... maybe 6 or more years ago? I honestly don't know. But when I reached out to CapitalOne to get access to the account, I was denied access. I verified all of my information, and they confirmed that the information matched what was on their records, but they wouldn't tell me anything about my account or give me access to view it online. I stated, over and over again, my discomfort with not having any sort of access to the account, despite being able to verify my identity through-and-through. As of now, CapitalOne has not given me any indication that I will ever be able to access the account.
Product: Vehicle loan or lease

Previous vehicle sold to me were under false pretenses and misleading information. The vehicle had manufacturer defects as it was just redesigned with defects that weren't found during manufacturing. A similar vehicle was obtained to replace the defective vehicle and several ( 15 ) credit inquiries were made to approve a line of credit to finance the vehicle sale. The attached retain installment contract is not accurate and the dealership along with the manufacturer needs to remedy the situation by replace and repurchase the vehicles and any and all possible solutions to rectify the situation to avoid litigation.
Product: Debt collection

As a sovereign living women made payment by mail to SELECT PORTFOLIO SERVICING XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX on XX/XX/2022 for the mortgage debt in the legal entity name. It has come to my attention the debt collecting company has been paid in full at closing under title 15 section 1605 ( a ) and title 15 section 1691 ( a ) via extension of credit. As the bearer of the mortgage-backed securities 31 CFR 328.6 ( a ) and under UCC -3-302 as holder in due course sent ( UCC 3-104 section F ) tender of payment under UCC-3-603 to SELECT PORTFOLIO SERVICING INC . The company Select Portfolio Services deny payment under UCC-3-603 ( b ). Whereas 1782 Act sign in congress states the American people are the original creditors therefore SELECT PORTFOLIO SERVICING violates title 15 section 1602 ( g ) and title 15 section 1605 ( a ). Furthermore, out of dishonor SPS violates FDCPA and violates UCC 5-102 section 8. SELECT PORTFOLIO SERVICING Inc, are in violation of consumer credit under ( Truth In Lending Act ) title 15 section 1692 ( b ) section 2, shall not state consumer owe any debt. All debt collectors shall face legal action under title 18 section 241 Conspiracy against rights and title 18 section 242-Deprivation of rights under Color of Law. For the violation Title 15 section 1692 ( i ) section ( b ) and title 18 section 1341-Fraud & Swindle. Without prejudice, All Rights Reserved UCC 1-308.
Product: Mortgage

When COVID - started in XX/XX/XXXX, I contacted my mortgage company SPS Portfolio Services to ask for COVID mortgage assistance. They sent me letters and allowed me to skip my mortgage payments. 
In XX/XX/XXXX I asked the mortgage company to help me with a modification, so I could start making payments and they offered me a few more months of forbearance until XX/XX/XXXX. 
I started an application process for the modification in XX/XX/XXXX and I was waiting for the paperwork to go through so I would would know how much my payments are now. 
They told me the payments would be added to my balance at the end of the loan. I talked at least 15 different people who confirmed this. I have the names documented. 
Now, they have told me that the modification is denied and I have to pay the past due amount of $ XXXX which I do not have. I dont understand since I am a XXXX  and XXXX XXXX XXXX. I believe they are taking advantage because I am XXXX. I have been able to pay my payments of {$1600.00} per month which were my payments before forbearance but I have not paid them since I do not have anything in writing. Please help me get this resolved so I dont lose my home which has alot of equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written your company several times all sent out via mail. I haven't heard any word so I have no choice but to submit my complaint here about my credit report. There are false or misleading representations. There are several accounts were the payment history is not consistent and should be correct. On Experian and XXXX  it reporting different information. 
The following accounts I have did my due deligence and actually carefully reviewed my report. I feel like you guys are stalling and not properly investigating
Product: Checking or savings account

( 1 ) Reported card missinG XX/XX/2023. 
( 2 ) Received email about customizing card XX/XX/2023 ( 3 ) XX/XX/2023 email received statinG the custom card was beinG reviewed ( 4 ) XX/XX/XXXX received confirmation that the new custom card was approved and should take XXXX to XXXX business days to arrive ( 5 ) Received card on XX/XX/2023 Now my acct is shut down statinH it's a charge off of XXXX $ bucks which is not fair at all!!! 
If it's so prayed can you please Get this resolved!? I bee working on my credit and for me to take all proper steps and get the rug pulled from under my feet is ABSURD!!!
Product: Checking or savings account

My Bill Spend account was opened on XX/XX/2023 According to the terms of the promotion. I was supposed to receive a {$50.00} XXXX gift card when application has been accepted and approved. It's been more than 30 days and I have yet to receive the XXXX gift card. Below are the terms Terms & conditions : Our goal is to show you XXXX so you can see the benefits to your organization firsthand. Were happy to give you the {$50.00} XXXX XXXX XXXX when you sign up for XXXX if you meet the required qualifications. This offer is available only to Qualified Individuals XXXX  years of age or over. This offer is available to US Residents who live within the borders of the continental United States. To receive this offer, applicants must sign up, as specified below, on behalf of a company they are authorized to represent using the designated XXXX landing page. A qualified Individual is a verified business decision-maker or influencer Including ( but not limited to ) owners, founders, administrators, controllers, C-level executives, VPs/Directors/Managers, and other senior roles that can help implement or recommend a solution like XXXX. We are seeking business partners that are established and can benefit from the full line of XXXX features. To receive this offer, you must open up a line of credit with XXXX with a XXXX product representative to sign up you must fill out an application, be accepted by the XXXX team, create your account in the XXXX product, and have an open line of credit. Note that this offer is only available to new XXXX customers applying for a new XXXX account. This offer is not applicable to existing customers. The XXXX XXXX XXXX associated with this promotion will be shipped to Qualified participants within 30 days of signup. Emails will be used to confirm the delivery details, which will be sent directly to the designated email address of the demo recipient ( U.S Only ). No purchase is necessary. This offer is available for a limited time, while supplies last. XXXX reserves the right to discontinue or change the terms of the offer at any time, subject to applicable law. Offer may not be used in conjunction with any other offer or promotion. Credit lines and the advertised range are not guaranteed and will be determined upon application approval.
Product: Mortgage

I requested mortgage load application from Cardinal Financial on XX/XX/2020. They called me and one Loan officer XXXX XXXX ( XXXX XXXX ) spoke to me. Promised me low rate of 2.375 % for a 15 year mortgage and said could get away with the points after running credit and talking to his manager. 
He gave me the numbers on the phone and promised to give me the loan estimates after the credit pull is done. To my surprise he already has my SSN to run credit. 
After he ran the credit ; he said the numbers have change little bit. Again gave me the numbers on phone, but I asked if the loan estimates could be mailed/emailed to me. He said, " All the numbers I gave you, you can write it. Why you need load estimates? ". After I insisted on loan estimate, he said it will be mailed within 3 business days and hung-up on me. 
I called several times and left voice mail to him to provide me the estimates. I did not got call back. 

Finally, On XX/XX/XXXX, I reached out to the company customer care and enquired about my application. They again forwarded me to no-response voice-mail of XXXX. I finally called customer care and asked for XXXX XXXX  full name and NMLS ID. 

Then I emailed XXXX and again asked for the loan estimates. And I got following response on email. 
" We had gone over all the fees and cost and you rejected the option I provided. I'm not sure how I can help you? Did you not end up going with XXXX? ''
Product: Credit reporting

I went investigation of XXXX XXXX XXXX. It took about 25 day saw XXXX XXXX XXXX XXXX XXXX, XXXX. So I call customers XXXX XXXX, XXXX at XXXX so I went online gave {$50.00} Account Number XXXX and XXXX XXXX/XXXX/XXXX approve 2-3 day. So I go decide to go pay XXXX {$290.00} paid off. So I got a email from Manager XXXX XXXX XXXX/XXXX/XXXX them.and told me thank you its going about 7 day XXXX, Tx XXXX. So I online an I see XXXX {$290.00} and now I owed. I call XXXX XXXX XX/XX/XXXX and customers and he 's at lunch I will call you about I hour and they have n't call me back. I have approve Confirmation # XXXX XXXX/XXXX/XXXX XXXX # XXXX and Conformation # XXXX XXXX/XXXX/XXXX # XXXX XXXX {$290.00}. I paid it off.
Product: Debt collection

I sent them letter about requesting validation on account they report to bureaus there is not one dispute on file and no respond from them
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed a fraudulent account on my credit report. Please remove this fraudulent thank you account for my credit report.
Product: Debt collection

I was a resident of XXXX XXXX  from XX/XX/XXXX until XX/XX/XXXX. When I moved out I sent the paperwork needed as well as turn in my keys. XX/XX/XXXX I received a notification on my credit that I owe {$4800.00} to RENTDEBT AUTOMATED COLLECTIONS for XXXX XXXX. I contacted the original creditors which was XXXX and it took almost a year for the information to be corrected. I have disputed the original information and uploaded new information and this item still remains on my credit report. I would like this removed immediately because the information is incorrect and there is no way that it was validated accurately.
Product: Credit card or prepaid card

Discover Card jerks harassing me into getting a card. 
Already reported to the FTC. 
FTC does nothing about it. 
I told them to stop calling me. 
They will not. 
I am on the do not call list. 
Well, that list is just a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im complaining about an unauthorized inquiry that was established on my credit report on XX/XX/2022 from XXXX XXXX. Ive been trying to get this inquiry removed off my report for over year to no avail.I was finally informed by Equifax that my previous FTC report was inaccurate and that I had to file another one.I have no open account associated with the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint in the past about Goldman Sachs incorrectly reporting my credit card status the the credit reporting agencys and it had been resolve up until today This morning i woke up and Goldman Sachs reported back to the credit agencys that i have negative history ( late payments ) dating back to when the card was closed to XXXX of this year, even though the card has been closed for over a year and his been paid off for 8 months now.