23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a checking account with NFCU and had my SSI deposited into my new account. First of all a credit card or two were opened under my name fraudulent. My caregiver at the time who was handling my affairs. After finding that checks and charges were made to DDA and Credit Cards fraudulent. I advised Navy of the Fraudulent DDA and Credit Cards opened and abused under my name and they suspended my accounts and also charged me back for unauthorized transactions.
Product: Mortgage

My closing date per the purchase contract was XX/XX/2023. When I went to the closing attorney 's office, I was asked if my wife was with me as XXXX is a community property state and the mortgage lender/company was requiring her to sign certain loan documents. I was never informed or instructed by the mortgage loan officer and/or the loan processor that my wife needed to attend closing. I never received a closing call nor did I receive any communication, written or verbal, regarding my wife needing to be at closing to sign loan documents. As a result of this egregious omission/error by the mortgage company , the builder came back on XX/XX/XXXX, stating that since the loan didn't close on the XXXX, that I was in breach of contract for missing the closing date, and if I wanted to move forward on buying the house, the price of the home was being increased to {$630000.00} from {$580000.00}. Had the mortgage company alerted/informed me that my wife needed to be at closing to sign loan documents, I would have closed on XX/XX/XXXX, per the contract, and not been subject to paying the higher price of {$630000.00} or {$45000.00} more for the home.
Product: Debt collection

I keep getting calls from ERC, which I see is a debt collector. The keep leaving messages on my cell phone to call them back. Thing is, I do n't have any debts. None. No credit card bills, my house is paid off, etc. I 'm not a debtor. Why do they keep calling my cell phone number over and over again?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  XXXX XXXX Account # XXXX XXXX has violated my right 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card

I called this weekXX/XX/XXXX@XXXX.. being that it had been more than two weeks since I opened the account and have not received it. I called in and followed their prompted choices and selected the only one with report card and once selected it said select three if you have not received your card. 

I called back in and connected to a representative and they said I requested my account to be closed. I never did.she said she would reinstate and send new card. My concern is that my account will be closed when I never requested that.
Product: Checking or savings account

- XX/XX/XXXX - deposited a XXXX check for {$100000.00} into personal checking account ending XXXX. The check was funds from CD held by XXXX XXXX on my behalf. Both XXXX XXXX & myself went to the bank and verified the 'gift '. 
- Week of XX/XX/XXXX - at some point during the week of XX/XX/XXXX we verified verbally by phone the authenticity of the transaction with both XXXX XXXX and myself. We were told that the funds would be released from hold status. 
- Following this, with no notice, my personal checking account was closed. 
- My paycheck was returned, bills that were scheduled to be paid from this account had to be hastily moved and I had to open a checking account with a different bank - My checking account funds of {$7000.00} were mailed to me without my knowledge. 
- Despite numerous calls, I have been unable to get an answer about where my funds are. I requested that they be sent to my Business acount but now they can not locate where the funds are.
Product: Debt collection

Repeated robocalls from Portfolio Recovery. The calls come from a different number each time so they are difficult to block. I do not even have any debts so I do n't know why they keep calling me. My number is listed on the Do Not Call List.
Product: Money transfer, virtual currency, or money service

I was trying to buy a pair of limited-edition sneakers online for $ XXXX deal that seemed too good to pass up. The seller had a clean website, flashy photos, and even a fake secure checkout badge, so I went ahead and placed my order. But as soon as the payment went through, I stopped hearing from them. Days turned into weeks with no shipping confirmation or responses to my emails. When I reached out to my bank, hoping theyd reverse the transaction, they said there was nothing they could do because I authorized the payment. It was a hard lesson in online scams and how some banks can leave you feeling helpless when things go wrong.
Product: Mortgage

Please, refer to my previous complaint as NFCU did NOT keep their word and although they sent me forbearance paperwork and said was accepted being assessed late fees and the contact person XXXX, public relations person as well as their CEO XXXX XXXX are not responding .In addition it will be a hardship to pay everything ; g back in XXXX as still doing hurricane repairs .It is the holiday season and a XXXX XXXX XXXXXXXX Veteran please help me ASAP and prevent my credit from being ruined, I paid last month.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the unresolved issue of fraudulent items on my account, despite many attempts to address it. 

The presence of these fraudulent items not only jeopardizes my financial security but also undermines my trust in your company 's ability to safeguard my interests as a customer. Furthermore, the lack of resolution has caused me significant stress, inconvenience, and potential financial losses. 

I understand that resolving such matters can take time, but the prolonged delay and lack of communication are unacceptable. Therefore, I request an immediate update on the status of my case and a clear timeline for when I can expect the fraudulent items to be removed from my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX.
Product: Mortgage

RightPath Servicing has fraudulently charged me for insurance on my property. 
I will keep this simple, as RightPath Servicing seems to have difficulty recognizing their responsibility, or more likely, evading answering the simple question, Is Hazard Insurance different from XXXX XXXX? 
RightPath Servicing repeatedly took the position that my hazard insurance expired and I needed to purchase HAZARD INSURANCE in order to avoid them purchasing HAZARD INSURANCE on my behalf. 
As RightPath Servicing has stated in their response, they were not responsible for sending a letter dated XX/XX/22, a letter I never received, claiming to have purchased XXXX XXXX on my behalf. I was only made aware of the XXXX XXXX policy when I attempted to make my XXXX mortgage payment on line and noticed I was being charged a {$1000.00} increase per month for this XXXX insurance. I immediately contacted my insurance agent and told them I had been charged for XXXX insurance after being repeatedly told by RightPath Servicing that I needed to purchase hazard insurance. I filed a complaint on XX/XX/22 and RightPath Servicing responded on XX/XX/22 with a thorough description of what it was they were actually requiring, a XXXX insurance policy AND NOT HAZARD INSURANCE. 
RightPath Servicing expects me to pay for XXXX insurance they purchased after sending me letters, repeatedly, claiming I needed to purchase Hazard Insurance, not XXXX XXXX. My insurance agent could not make sense of XXXX position, from the repeated letters claiming the need for hazard insurance when I already had hazard insurance and sent RightPath Servicing proof of such. 

The simple question to RightPath Servicing is, where, anywhere, is XXXX insurance described or referred to as hazard insurance?. In fact, I have provided language from the largest insurance providers in the country, stating hazard insurance is not the same as XXXX insurance. 
How does RightPath Servicing justify charging for insurance that is completely different from what they requested I purchase? 

This is either extreme negligence or, more likely, fraud.
Product: Money transfer, virtual currency, or money service

I had an issue with Zelle sending money and also just having money on the account the money would come up missing and it couldn't be replaced also I had accidentally sent the money to the wrong person and wasn't able to retrieve the money back. I have been highly dissatisfied with the company and something should be done about this
Product: Debt collection

The company F H Cann & Associates Inc. keeps contacting my brother repeatedly about my supposed debt. I've never heard from them, never received any letter from them detailing the debt. The company above revealed to my family member that they are trying to collect debt and keep spam calling them multiple times a week. They are not supposed to call more than once to obtain information about my whereabouts, yet they are spam calling every week. They are not supposed to talk to anyone other than my parents and potential spouse, yet they are contacting my brother repeatedly.
Product: Student loan

I refinanced a student loan with Earnest, with a payment amount of {$580.00} ( fixed rate ). The company deferred the loan, upon request until graduation. Upon graduation, I received a bill for {$590.00}. There had been no discussion of what the amount would be upon end of deferment. Ok, I understand this ; however, the following month my payment again increased. This time to over {$610.00}! I contacted the company and it took over three weeks to get this adjusted. They hadn't changed the end date after the grace period/deferment. I was told this was fixed and that my payment would be {$590.00} moving forward. I just received my statement and now it's {$590.00}. I want my payment and my account fixed! This should not be difficult. There are rules and regulations about billing correct payment amounts and this company is NOT meeting these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes multiple times in regards to BANKRUPTCY CHAPTER XXXX DISMISSED reporting on my credit report. XXXX and Experian continue to report this Bankruptcy even after i informed them that I have never filed Bankruptcy. They claim to be verifying this information with XXXX. I have contacted XXXX and this Bankruptcy was removed from their system as being unverifiable! How does XXXX and Experian verify information that is unverifiable with the supposed agency giving them the information? This FALSE reporting on my credit report has caused great harm to my credit. I am submitting evidence that the XXXX and Experian continue to cause harm to my credit and evidence that XXXX has said themselves that this information is UNVERIFIABLE and has been REMOVED from their system.. XXXX and Experian must be held accountable for the blatant disregard of federal law pertaining to accurate credit reporting and the FCRA.
Product: Debt collection

ARS National Services is attempting to collect a debt that I do not owe. I never authorized an account with XXXX XXXX XXXX. Therefore ARS has no legal right to attempt to collect any money from me. ARS has not validated this debt nor sent me an initial notice of collection. ARS is calling and requesting a settlement payment for an alleged debt that I do not owe. ARS is acting in a misleading manner and is in violation of the FDCPA.
Product: Student loan

XX/XX/1999 to present, {$70000.00} loans, i suppose to be on income based but my loans increase even through I make payments
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Synchrony regarding a purchase which had not arrived and filed a dispute. 

Later, the company agreed to re-ship the product. I inquired with Synchrony about cancelling the dispute or putting it on hold to see if the new product arrives. Since then, for the entire month, I have been asking to cancel the dispute until the company has a chance to re-ship the goods. However, Synchrony has been ignoring my messages.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME OR I HAVE ANYTHING TO DO WITH THE COMPANIES. 

NOTE : MY PERSONAL INFORMATION WAS COMPROMISED BY XXXX, XXXX, XXXX, AND XXXX XXXX, WHICH I WAS RECENTLY NOTIFIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to TRANSUNION for taking no action to correct and remove the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out dispute letters to them last XX/XX/2023, and XX/XX/2023, but until this time no further action I been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
Product: Credit reporting

Trans Union has ignored my pleas to them about being a victim of identity theft. They have not deleted the items that I have provided them a police report for. They are ignoring my consumer rights. I expect fraudulent items to be deleted not play games about filing out forms to have a " fraud alert '' on my credit which does ZERO to get these fraudulent items off my report and does NOT stop identity thieves from stealing my identity. I will get a freeze once TU gets off their hands and does their jobs!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing my credit with Transunion, XXXX, and XXXX. i have sent certified letters they have not responded in over 90 days time. i have certified receipts of delivery status and there have been zero effort in correspondence and by law you have 30 days to respond which has been violated. Please see the following Tracking ID for certified proof of delivery. XXXX ; XXXX ; XXXX
Product: Credit card

Please see complaint XXXX. This was closed without a satisfactory resolution. It was closed simply upon USAA 's response not a resolution. 

XX/XX/XXXX I opened a credit card with USAA with a promotional offer of no fees if balance transfer or cash advance into a USAA bank account. I did that and incurred a {$9.00} fee. on XX/XX/XXXX I contacted USAA customer service about the fee. I was told to repay the amount which I did and they removed the fee. I was then told that I had to use XXXX XXXX XXXX checks deposit via the XXXX XXXX to avoid the fee. The representative then mailed me the checks as I did not have them. On XX/XX/XXXX, I incurred a {$150.00} fee for using paper checks. I then contacted USAA via their chat service and requested a call. I was called back and told that the fee could not be waived. I requested a XXXX to call me and none did. I called back on XX/XX/XXXX, spoke to XXXX different representatives that told me they would not reverse the fee despite acknowledging they told me that was how to avoid the fee. They then submitted ticket XXXX for investigation and temporarily reversed the fee only to recharge the fee on XX/XX/XXXX.
Product: Vehicle loan or lease

This complaint is about my auto lender, Ally Financial. I had a car accident on XX/XX/XXXX totaling the car. I reported immediately to my insurance company, XXXX. On XX/XX/XXXX, Ally faxed a payoff amount of XXXX to XXXX good until XX/XX/XXXX. On XX/XX/XXXX XXXX paid {$6800.00} to Ally and car should have been paid in XXXX. I did not need my Gap insurance as my car equity was higher and I received from XXXX {$2300.00}. My bills at Ally continued to reflect that I owed {$0.00} thru XXXX, XXXX. 

In XXXX, Ally sent me paperwork for Gap insurance. I called about this and they said I might be entitled to a refund from Gap. I called the Gap insurance XXXX XXXX, contract GW XXXX ) who said they needed title pay off letter. I called Ally back and they said my account was CLOSED so they couldn't see the account but I still owed {$370.00}!! 

On XX/XX/XXXX I spent SIX hours on phone with Ally and spoke to 7 representatives trying to work this out. They said they did an " internal investigation '' and decided that I had NOT paid in FULL and that XXXX had NEVER called them and that XXXX had sent them that amount arbitrarily. 

On XX/XX/XXXX I got a letter from ALLY with a NEW PAYOFF AMOUNT ( for a car that was PAID OFF XX/XX/XXXX!! ) saying I actually owed {$7100.00} not the {$6700.00} they said in XXXX! 

They starting making collections calls ( 4-5 times a day! ) for said PAST DUE amount in XXXX and reported me delinquent to credit bureaus XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX the called my daughter 's MOTHER IN LAW and MY NEIGHBOR about these charges!?!? At this point I sent a " cease and desist '' letter for contacting me, my family and Neighbors. 

I do not feel I owe them ANYTHING and this is a scam to get more money plus interest. There are thousands of similar complaints of cars paid off after being total on the ther XXXX page, XXXX and Consumer Affairs. ( I have screenshotted numerous complaints if you would like to this info, too numerous to include here. ) It is horrific how they conduct business and they should be shutdown! 

I want this charge removed from my account and my credit bureaus notified that my account is current and closed in GOOD STANDING!
Product: Debt collection

Convergent Outsourcing sent me a letter stating that they are collecting for Galaxy Asset Purchasing on a XXXX XXXX account I never had. They claim they are willing to settle for XXXX percent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has violated my federally protected consumer rights under the Fair Credit Reporting Act. They have violated my rights by furnishing transaction details [ 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) between the person ( means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ) and consumer ( me ) without my prior consent, pursuant to Title 15 U.S.C. 1681b ( 2 ). According to Title 15 U.S.C. 1681c ( 5 ), " no consumer reporting agency may report any consumer report containing any adverse item of information, other than records of conviction of crime '', yet they furnished negative item transactions on my report on a disputed debt. By violating 15 U.S.C. 1682b permissible purposes and 15 U.S.C. 1681c information contained in consumer reports, they have violated compliance procedures under 15 U.S.C. 1681e. XXXX  has willfully violated my consumer rights and is liable to civil suit under 15 U.S.C. 1681n. They are also liable to civil liability for negligent noncompliance under 15 U.S.C. 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some discrepancies on my credit report in which i disputed it with the credit bureau Equifax, XXXX, and XXXX. They made claim that the accounts are verified and left the accounts still reporting on my credit report. I asked " how did you verify the account? " they replied back with " we send an email to the collection agency and if they reply back it's yours then we take their word for it ''. Wait i thought you were suppose to have physical proof on files to verify the accounts in dispute. Equifax, XXXX  And XXXX  made a comment and said of i want the physical proof i have to contact the creditor. That is not my job. That is yours to verify through PHYSICAL DOCUMENTS to ensure the accounts you are reporting are actual factual. Other wise anyone paying for your reporting services can mail fax email in a fraudulent account. I here by request XXXX, XXXX and Equifax to verify through physical documentation the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX And national credit systems. Please send to my physical address on file the actual proof you have in your files to prove these debts are mines. If you do not have physical documents on file please respond to this CFPB complaint stating such. I do believe no one is doing there jobs right and if i don't get the proof i need i will file a lawsuit against equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX  XXXX XXXX  as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.
Product: Debt collection

I recently pulled my credit file and I realized Speedy Cash was listed on my credit report from a collection that was placed in XXXX 2009 for {$270.00} I contacted the representative and I stated I do n't recall a having a pay day loan from speedy cash and that I am a victim of theft. The representative insisted on saying I was still responsible for the account. I received threatening phone calls from a representative stating I had to pay the account within 30 days are legal action will take place on my personal property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has been in violation of the FCRA, FDCPA and the UCC over a course of years. If they do not get their facts corrected I will litigate.
Product: Debt collection

In several days I called and made disputes about inaccurate information hurting my report throughout the bureaus. The dates are as follows XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX.