23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I took a trip to XXXX, and afterward, I noticed several charges on my credit card that I did not authorize. I disputed the charges with Navy Federal and canceled my card, then ordered a new one. The conclusion they sent me by mail stated that the charges were accurate based on my account activity. When I called to ask how I could further dispute this, they asked me a few questions and requested reasons why the dispute should be honored, which I provided. However, the conclusion remained the same, which I am upset about because I believe I should not have to pay interest or charges that I never authorized. 

I felt I gave sufficient reasons for why the dispute should be honored. First, I rarely dispute charges after years of having the credit card. Ive only disputed charges twice : once for a refund that took too long ( for which I provided a receipt ), and the second time for a small charge of less than {$5.00}, where I was double-charged for a drink. Navy Federal has a zero-tolerance fraud policy, which they have not upheld. They also havent reached out to any of the merchants for more information, and Navy Federal provided the exact same reason upon the second review of my dispute. 

I tried reaching out to the merchants myself but had no luck. I informed Navy Federal that this could have happened before I left XXXX, specifically after renting a golf cart, where the company in XXXX requested a picture of my ID and credit card information. The fraudulent charges totaled around {$520.00} USD. 

I almost exclusively bank and borrow from Navy Federal Credit Union and have diligently paid on time or earlier. It is shocking that they wont honor their own policy, which has made me reconsider banking with them altogether. Their fraud department was far from pleasant to work with and seemed to take no action beyond simply reviewing my account activity.
Product: Credit reporting or other personal consumer reports

I am victim of ID theft, There was subjected to a Data breach with Equifax and as of yet Equifax has not removed this account from my credit report as I requested. I submitted a FTC report and I am now attaching the deletion letter. 

-XXXX  acct # XXXX date XXXX
Product: Credit card

On XX/XX/XXXX, while I was working at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , I received an alert about a series of identical fraudulent charges made in XXXX by XXXX on my credit card ending XXXX. Each charge was I believe of approximately {$230.00} and was accompanied by a foreign currency fee of {$7.00}. I called the bank from the XXXX, and told the bank the charges were fraudulent and Bank of America cancelled the card, and issued a new card ending XXXX, which they posted to my home address in XXXX XXXXXXXX XXXX 

I was sent a claims letter through the XXXX Bank of America messaging system stating the matter was resolved as the charges had not posted to the account. 

The charges were posted to the new card ending XXXX on XX/XX/XXXX. I called the bank again on multiple occasions, and upon my return home I visited Bank of America at their XXXX XXXXXXXX XXXX branch during the week ending Friday XXXX XXXX. I reported the issue to the staff at the bank and I was told the charges made in XXXX were from a legitimate client. I made it very clear that I did not make or authorize the charges, and that they are fraudulent, and I will not pay them. The new card was in my mailbox upon my return home, and remains in a sealed envelope. I have not used it, and I have locked it until this issue is resolved. I did not know the full number of this card. 

The staff at Bank of America then requested evidence that I had not been in XXXX by photocopying my passport ( there is not entry or exit stamp for XXXX ), requesting in addition a written notification from XXXX XXXX that I had been in XXXX from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, as well as copies of my hotel and XXXX XXXX apartment rental fees for the same period. All these documents were submitted to the bank as requested. 

To date, the fraudulent charges remain on my account, and I wish to report to you that Bank of America has failed to take this matter seriously, wasted hours of my time, and keeps sending me reminders that my payments on this credit card are late, and is now charging me interest on the fraudulent charges. 

Bank of America is supposed to have resolved this matter in ten days. It is not resolved after almost three months. 

Please contact Bank of America and request they contact me and resolve this issue immediately. 

Thank you, XXXX XXXX
Product: Debt collection

On XX/XX/2018 I had lab work done at the XXXX XXXX XXXX in XXXX Ms . The lab work was totally unnecessary according to My Medicare advisor and my Supplement Insurance for the amount that was denied by both insurance companies for the amount of {$200.00}. I was told the test was done in order to determine if I needed a specific medication for XXXX XXXX ( XXXX ). I have never had to pay any sort of balance on anything XXXX dr visits, hospital stays, out patients surgeries, NOTHING, in the past 15 years as I am XXXX and I have 2 insurances. According to XXXX and XXXX supplement, this blood test was filed as a plain DRUG TEST. Nothing more. XXXX XXXX is sueing me for {$200.00}. I do not owe this money and have tried to settle this for over a year. Radius Global Solutions out of XXXX MN has been sending me threatening letters now. There is now way I owe this {$200.00}. My insurance claims it is the way XXXX filed the claim. XXXXXXXX says I owe the money PERIOD. The drug XXXX is a common drug that is prescribed very often for men and women that does not require any type of testing. It is for XXXX XXXX for one thing, and is used to treat several other common problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ). 

XXXX did not provide me with a 1099-C therefore making my 2019 Taxes Incomplete and Misrepresented. Information on credit report for XXXX needs to be DELETED for this inaccuracy. On all Credit Agencies ( XXXX, XXXX, TRANSUNION ) And all secondary Credit agencies.
Product: Student loan

Aivantage is sending unwanted and harassing emails from a no-reply address about loans that were supposed to be discharged already 2 months ago due to Borrower DefenseXXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Hi all, On XXXX XXXX, XXXX, I called the debt collection company " XXXX XXXX XXXX XXXX XXXX '' provided my account information regarding the settlement amount of {$7500.00} I have owned. All the phone call was recorded by them at the same time. I have spoken to one of the representatives saying that I was ready to pay off, and been told that the money was ready to run on that day. However, on XX/XX/XXXX, I have received a summons from XXXX XXXX court saying that the original credit card company is filing a lawsuit against me. I called back to XXXX and asked what happened. after that, I have found out that the representative who answered my phone call on XX/XX/XXXX has never ever submitted my payment on that day. 
meanwhile, there is another debt collection company name " The Moore Law Group '' that is taking care of this debt after XXXX. now they are asking me to pay the outstanding amount which of {$21.00}, and they have filling a lawsuit if I can not pay on time. 
I feel very innocent of this situation. compares {$7600.00} to {$21000.00} there is a huge difference. I did what I need to do back in XX/XX/XXXX. It is the XXXX staff 's fault that didn't submit my payment, but why I have to take this responsibility. 
I hope you can involve this case, and let me know what is rights to protect myself. 

( one of XXXX stuffs informed me that they have notes saying I called on XX/XX/XXXX and gave my account information to authorized them to charge me the amount of {$7500.00}, but they can not provide me the phone recording since I don't have an attorney representing me at this moment ) I have attached the settlement letter from XXXX and I had conversation evidence with a person who was representing negotiated with XXXX saying I paid off back in XXXX. 

my phone number is XXXX email : XXXX XXXX
Product: Mortgage

Due to the Covid-19 pandemic and the national response to shut down businesses across the country, I am currently out of work for the next 30 days and my wife 's hours at work have been cut drastically. We are paying as much of our mortgage as we can, however we are unable to make the full payments. On Friday XX/XX/2020 I contacted Pentagon Federal Credit Unions mortgage department to alert them of our change in employment status due to this pandemic. I was informed that they are able to pause our payments under their forbearance program, however because we have a VA loan we would be expected to pay the full 2 months in a lump sum at the end of the of the mandatory quarantine period ( despite being out of work and having a significantly reduced income during that time ). After receiving the forbearance paperwork I saw that it takes 4-6 weeks to approve ( right as the quarantine is scheduled to be lifted ). This timeline is unacceptable and detrimental to many of PenFeds clients. I did some research and called back to PenFed to let them know The executive director of XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines for clients working companies unwilling to assist their clients during this national health crisis is to report them to the CFPB and state attorney general 's office. After hearing this information, a representative from PenFed by the name of XXXX assured me that PenFed is working with all of its customers during this time. After he confirmed with the Mortgage Manager, XXXX XXXX ( as well as a representative from PenFeds disaster relief department, XXXX XXXX ) XXXX informed me that I would receive a call back by the end of the day XX/XX/2020 to work out this issue. 
After waiting all day with no contact from PenFed I called again on XX/XX/2020. I explained my situation to 2 other employees one from the mortgage department and another from the disaster relief department at PenFed who both told me about the forbearance program and the expectation of being required to pay 2 months worth of our mortgage in full at the end of this pandemic crisis. 
I attempted to contact the VA to confirm this information. However, because of PenFeds delay in calling me back the VA is currently closed until Monday. 
Back during the nation wide furlough a year or 2 ago, PenFed was able and willing to work with us. However now that a majority of the nation is out of work due to a National health crisis, and a mandatory quarantine closing down many businesses, they are unwilling to assist. 
It is not possible to pay XXXX dollars a month ( or a total of {$4800.00} ) when your households net income for the month is a mere {$2000.00}. 
Unfortunately all of my correspondence with PenFed has been via telephone so I do not have any documentation to upload. 

I will also be contacting my state attorney general to alert them of this issue with my lender.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain accounts from my credit report. After a careful review, I believe the information related to the following accounts is inaccurate : Accounts are paid in full. XXXX XXXX # XXXX date XX/XX/2023, XXXX XXXX # XXXX Date XX/XX/2023, XXXX XXXX XXXX XXXX # XXXX Date XX/XX/2023 Enclosed are supporting documents received from the company for your review. I request a prompt investigation, verification, and update of my credit report in accordance with the Fair Credit Reporting Act. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am listing 3 inquiries fraudulent from my Transunion credit report. XXXX XXXX via XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. The listed inquiries do not belong to me and must be removed from my Transunion credit report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries as Fraudulent and remove from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX provided a copy of my credit report to multiple companies without my authorization : -CBNA  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX As such XXXX it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts from my credit report immediately.
Product: Mortgage

CFBP - closed my complaint ( XXXX ) without checking with me first. My issue has NOT been resolved. 

The letter sent from the servicing provider TOLD YOU that I the customer was to just call the office of the customer at XXXX xt XXXX ( XXXX XXXX ) I did this and was locked into an eternal phone loop that went NOWHERE. 

You may not follow up on this but YOU DIAL the number and see if you get a person. 

This FRAUD is continuing to go on ( because they KNOW CFBP won't do their jobs so it is easy to make fools of them ) and I am writing it here so there is a record to show that consumer complaints are only treated with a quick/weak close with NO INVESTIGATION and you only take the BUSINESS side. 

Try calling the number and extension. Its a small test to VERIFY my complaint that there is no service and the CFPB is not doing anything to actually help the consumer/customer. 

Apply my mortgage payments to the month I pay them instead of trying to ruin my near perfect credit and laundering or hiding my money to pay for their predatory lending practices. 

XXXX! 

XXXX
Product: Mortgage

In XXXX of 2023, I received a letter from Roundpoint Mortgage that I did not have homeowners insurance and would need to provide proof of coverage. I called the mortgage company and explained my premiums were to be paid out of escrow. They acknowledged receiving all payments and said there was a mistake and that I did in fact have insurance and all premiums had been paid. I called my insurance agent only to find out my insurance was cancelled from XX/XX/2023 for non payment. I called Roundpoint back and after several hours on tue phone they finally admitted they had sent the premium to the wrong insurer. I requested that Roundpoint pay the premium of {$1100.00} that was in escrow and continuing my current insurance only to find out that since my policy had lapsed, I could no longer get insurance for {$1100.00} per year and would be penalized for not having insurance and my new premium would be over {$3200.00} per year. And to top that off, Roundpoint is charging me almost {$1200.00} for insurance they said I owe them to cover my property. I have no idea where the escrow money is and no idea why I am being penalized for their mistake.
Product: Credit card or prepaid card

This is XXXX XXXX and I'm sending a complaint on an account that has caught my eye. The account SYNCB/XXXX  with account number XXXX was not mine. There must be an error with XXXX 's investigation since it is only reporting on their Bureau. Thus, this account is already closed and old. It should not be displayed on my file. I suggest to supply any documentation to attest that the account was in fact mine or for everyone 's convenience kindly erase this on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported that between XX/XX/2018 and XX/XX/2018 I did not pay my mortgage and increased my balance by {$2700.00} to {$310000.00}. I called their number XXXX on XX/XX/18 and was told my balance was {$310000.00}. I have not been late as its on autopay and yet they have incorrectly reported to XXXX that I was late. This has caused my credit history to take a hit and my score dropped 102 points. XXXX XXXX XXXX has incorrectly reported that I was late and they should be help accountable for it.
Product: Student loan

On XX/XX/2024, I received an email from launch servicing as to how my automatic payment will be coming out of my bank account. When I click on the link to see my outstanding loan, it takes me to a screen that informs me that my loan has been transferred to XXXX XXXX XXXX XXXX shows that I do not have an upcoming payment- However, Launch servicing is continuing to remove money from my bank account monthly for XXXX separate loans, even though they no longer hold my loans.
Product: Credit reporting or other personal consumer reports

I have attached an FTC report with a fraudulent account and fraudulent unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted Transuion to request that they remove thr dispute information off my credit file. Instead of removing the dispute information, the representative reported two accounts as charged off when actually the accounts are paid in full and closed. The accounts are XXXX XXXX XXXX XXXX XXXX. These accounts are paid in full... the documents were sent to them that showed they were paid in full and they had updated them accordingly. This representative that I spoke with recently changed them back to charged off instead of deleting the dispute statements as I requested.
Product: Credit card or prepaid card

ON XX/XX/XXXX I WAS GOING OVER MY CHECKING ACCOUNT AND NOTICED, THAT THERE WAS A WARNING SIGN ON MY CREDIT CARD STATEMENT. THIS WAS DONE LOOKING AT IT ON MY CELL PHONE. IT SAID THAT I WAS OVER MY LIMIT. SO I STARTED LOOKING AT THE CHARGES. THERE WERE 18 CHARGES ON MY CREDIT CARD THAT DID NOT BELONG TO ME. SO I CALL WELLSFARGO CREDIT CARD FRAUD DEPARTMENT, AND TOLD THEM THAT THESE WERE CHARGES THAT I DID NOT MAKE. I TOLD THEM THST THE LAST TIME THAT I USED MY CARD WAS AT THE XXXX XXXX XXXX ON XXXX XXXX, AT XXXX XXXX, I WAS LEAVING MY NIGHT JOB, GETTING READY TO GO TO MY DAY JOB AT XXXX XXXX. IN THE BEGINNING THEY GAVE ME MY MONEY BACK, THEN THEY REVERSED IT. THEY SAID, THAT MY CARD WAS PHYSICALLY USED. I TOLD THEM THAT THAT COULDN'T BE BECAUSE I HAVE MY CARD. THEY BASICALLY CALLED ME A LIE. THEY NEVER INVESTIGATED ANYTHING. ONE OF THE CHARGES ON MY STATEMENT WAS FOR A HOTEL IN XXXX, I HAD MY SISTER LOOK IT UP. WE GOT A PHONE NUMBER CALLED THEM THEN WENT DOWN TO THE HOTEL. I ASKED THE MANAGER, YOU GUYS DON'T CHECK ID WHEN CHECKING IN. HE SAID IT WAS DONE MOBILE TO MOBILE. THAT THEY NEVER HAVE TO EVEN SEE THE PERSON. IT WAS A SIGNATURE ON THE RECEIPT THAT DID NOT BELONG TO ME. SO THERE WAS A WELLSFARGO ACROSS THE STREET I WENT OVER AND SPOKE TO A BANKER THERE. HE REACHED OUT TO THE CREDIT CARD DEPARTMENT ON MY BEHALF, AND SUBMITTED THE DOCUMENTS THAT I GOT FROM THE HOTEL, VIA FAX. THEY DENIED ME A SECOND TIME, SAYING THAT THEY INVESTIGATED. DENIED ME AGAIN. SO I FILLED OUT A POLICE REPORT SUBMITTED TO THEM, VIA FAX. THEY DENIED IT AGAIN SAYING THAT THE CARD WAS PHYSICALLY PRESENT .I TALK TO SOMEONE FROM A DIFFERENT BANK AND THEY TOLD ME SINCE I FILED A POLICE REPORT THAT I CAN ASK FOR ALL CAMERS TO BE PULLED. SO ON XX/XX/XXXX I CALLED AND SPOKE TO A SHARETTAIN CLAIMS, AND ASK ALL CAMERS TO BE PULLED. I ASKED FOR PROOF AND DOCUMENTATION SENT TO ME. THEY TOLD ME I HAVE TO WAIT. I HAVE TAKEN OFF WORK TO TRY AND HANDLE THIS. IT IS VERY FRUSTRATING. I BEEN IN TEARS. PLEASE HELP!!!!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX {$1100.00} opened XXXX, Account name : XXXX XXXX # XXXX {$750.00}, Account name : XXXX XXXX {$2000.00} opened XXXX # XXXX, Account name XXXX XXXX XXXX {$8300.00} OPENED XXXX # XXXX, Account name XXXX XXXX {$1200.00} # XXXX opened XXXX, Account name XXXX XXXX XXXX XXXXXXXX {$1200.00} OPENED XXXX, Account name XXXX XXXX # XXXX {$180.00} opened XXXX has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please delete these inaccurate and unverifiable accounts
Product: Mortgage

An assistance letter was sent to Select Portfolio Servicing to keep my home XXXX, when it was transfered from XXXX XXXX XXXX. I have lived in the home since XXXX when it was purchased. I incurred XXXX XXXX, then a back injury in and was out of work for almost a year, and have proof of all of this. I filed the Ch XXXX, and was paying the mortgage payments on time. I requested to find a way to reduce my monthly payments to avoid foreclosure. I am currently working and able to make a reasonable mortgage payment. I requested for SPS to work with me on XXXX, when I was told by SPS they had not recieved payments for several months from the trustee dated back from XXXX. I have proof from my trustee that payments were made up to XXXX. I have questioned SPS, and I get no where with them. I have recieved letters indicating client, ( I ) have opted out of any type of assistance, and that is not true!
Product: Debt collection

I have spoken with the collection company multiple times that this debt does not being to me. It is a result of a work injury, they told me I had no choice but to pay the debt, I have been fighting with work comp. They should pay the debt, since this has happened they have garnished me back Account twice. I am working with the department of labor to get things straigened out with work comp.