23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a 2017 XXXX XXXX. In XX/XX/2018 my car was reported stolen. I was told by my insurance company " XXXX '' to not pay my monthly bill because they would pay my remaining balance. Because of that I have three/four months of " mispayed '' monthly bills from my stolen XXXX. My insurance ended up paying the value of the car off, and I'm currently working with GAP to cover the remaining costs. However, Nissan Motor Acceptance has  no records of files that I need to proceed with paying the remaining costs of my vehicle. GAP and I have contacted Nissan to obtain Vehicle service contracts that employees are not able to find. Because of length in time my remaining balance has gone into collections. Without the forms of Nissan I am not able to process my GAP claim.

I also paid for a Vehicle theft protection to First Automotive by southwestRE but when I called them to cancel it for my GAP claim the company said Nissan never submitted their paperwork.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I transferred {$2500.00} into my Robinhood account to buy XXXX. I successfully purchased {$2500.00} worth of the cryptocurrency. However, that same day, when I tried to send the XXXX  to my XXXX wallet, Robinhood restricted my account. As a result, I am unable to transfer the funds out of my Robinhood account. I'm unable to buy any assets. I've verified my identity by sending Robinhood a full selfie scan of my face and sent over my bank statement to prove my identity. It's been one week now and I still haven't heard anything from them in regards to getting my account unrestricted. I've tried contacting customer support and I've been on the call wait list for the last week now. Robinhood keeps pushing the date back to when they're going to get in contact with me.
Product: Mortgage

In XX/XX/XXXX I was contacted by my insurance company ( XXXX XXXX, XXXX XXXX XXXX office in Charleston, SC ) regarding a failure of payment from my escrow account with my mortgage servicer, Loancare. Loancare did not make the payee line out correctly, so the check was not able to be deposited/cached by the insurance agency. They covered the insurance cost for me but still needed payment for it.

Both the insurance agent, XXXX XXXX, and I contacted Loancare *repeatedly* over the course of the next year to absolutely no avail or response. They do not respond to email at all. Finally in XX/XX/XXXX XXXX managed to get the right check cut to their agency and I thought the matter was resolved, however unprofessional it was handled.

Well now I have an erroneous negative balance in my escrow account because rather than just fix the check, Loancare claims they refunded me the " excess '' that was in the escrow account. I NEVER received this check. According to them, they sent it in early XX/XX/XXXX. I would remember an unexpected $ 1500+ check. I never saw it.

So now they have taken payment for XX/XX/XXXX's insurance amount as well as XX/XX/XXXX 's from my account, meaning that I've been charged for the XX/XX/XXXX insurance TWICE.

I called and spoke with an agent at their company, and despite the easy conversation we had where the agent saw the issue and promised he'd get his supervisor to correct it, I still have not seen any correction, nor will they respond to my messages once again. This discrepancy in my escrow account has caused my payment to increase by around {$100.00} a month, but I absolutely do not owe them this extra money.

Where did my money go, and why will they not fix this? This has been going on for a year and a half or more now.
Product: Mortgage

I have a mortage with Amerisave and almost every month when I go to make my payment online, I have trouble accessing my account. One month I had to reset my entire log-in credentials and then it did n't work -they froze me out of my account. Today, I go to make my mortage payment that 's due tomorrow and when I entered my log-in information they took me to a screen that says I need to enter in a passcode they will send me by email. I never received an email so I had to call ( and was onhold a long time ) and then the agent said they were having trouble with their server and I needed to try again tomorrow. I then asked to make a payment by phone but she said there was a fee and when I asked them to waive the fee, they refused. I asked to speak to a supervisor and she refused to waive the fee for taking my pamyent over the phone - I believe they make it difficult to pay on-line so they can receive the pay by phone fee. When I asked her what other option I had, she said to mail in a check - this of course would probably make me late and then they can collect a late fee. I would like to file a class action suit against this company for making it almost impossible to pay on-line and thus they can collect a pay by phone fee. I have another home with a mortgage by a different lender and I NEVER have these issues related to making a payment online.
Product: Debt collection

Hunter Warfield, acting on behalf of XXXX XXXX XXXX XXXX XXXX, is trying to collect {$1800.00} in debt for which I do not owe and has also not provided any proper written notification, violating The Fair Debt Collection Practices. My relatives and I have received numerous calls from Hunter Warfield. They have no authorized authority to contact my relatives and have used untruthful alias in attempts to have my relatives provide them with my personal information. 
Hunter Warfield has also unlawfully reported this debt to the credit reporting agencies resulting in it being reflected on my credit report. XXXX XXXX XXXX XXXX is already being sued for its actions and the lawsuit is still ongoing XXXX Case # XXXX ). XXXX XXXX is trying to get around the lawsuit by seeking to collect without answering the lawsuit by sending the case to Hunter Warfield. Even by sending the case to collections XXXX XXXX did so without following the proper legal process.
Product: Credit card

Chase has all the notes in regards to my situation. I just wanted a full payment refund back to my chase checking account due to wrong information that was stated by chase. There has been numerous callas in which I wanted a refund but they saying we have put in the request. At one point they told me the request was approved. I called today checking on the status of the funds and they said I called saying I dont want the funds. I have called numerous times about the refund so why would I cancel it. I want my money back. This has been going on for weeks. Please help me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/2023 Dear CONVERGENT OUTSOURCING INC : I am responding to your contact about a debt you are trying to collect. You contacted me by and identified the debt as follows : Account name CONVERGENT OUTSOURCING INC . 
Account number XXXX I am politely requesting that you please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. 
In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

Details about your authority to collect this debt. 

DOCUMENTS INCLUDED POLICE REPORT IDENTITY THEFT FTC REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  
Date of inquiry :XX/XX/XXXXThis is not mine. 

4. Identity Theft XXXX XXXX XXXX  
Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XX/XX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft COAF Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XX/XX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Mortgage

My mortgage was recently sold to a new mortgage company. We were notified by the seller within 15 days of the transaction, but heard nothing from our new loan company until XX/XX/XXXX, 19 days after our first mortgage payment to the new company ( Freedom Mortgage ) was due! Remarkably, this first communication was to inform us that we were late on our account! Because of this delay in being billed we actually assumed the first bill was going to be for XX/XX/XXXX, only later to learn that it was actually for a back payment. But because we had the legal 60 day grace period in which they could not charge us a late fee, we were not too concerned. We had trouble logging on early in XX/XX/XXXX when we went to pay it, and did not finally get the payment made until XX/XX/XXXX, paying for the months of XX/XX/XXXXand XX/XX/XXXX, but still within the 60 days.

On XX/XX/XXXX, my wife was stopped by someone from another realty company who handed her a letter, would not say whom it was from, and proceeded to take pictures of my wife and our home. After opening the letter from this strange man, we saw that he was acting at the behest of Freedom Mortgage informing us that our payment was late, despite the fact that our check cleared the day before the man showed up to our home. My wife called Freedom Mortgage to make sure this was legitimate, and she was told that we would be assessed a fee for the home visit. I knew from our legal rights this was not proper, and called today to make sure the fee was removed. I was informed that this was not technically a late fee, so they could charge it. But that's clearly what it is -- we were charged a fee because we were late ( which we were not, as we were within the 60 day grace period ).

I filed a complaint with Freedom, and they told me they would open a case, but refused to remove the charge right away. It is only {$15.00}, but this is a matter of principal to me, because if they will do this to me, they will do it to anyone. I can tell already that I will not have a positive experience with this company. Consumers should have the right to protect their loans from being sold to companies like Freedom Mortgage that do not abide by the law. I need to know the next steps to ensure that I am not falsely charged this {$15.00}, and what rights to compensation I have for all the time and energy I'm having to waste to stop Freedom from violating the law.
Product: Credit card

There were two ( 2 ) fraud charges with the same merchant, a week apart, using my credit card information. I was traveling and NOT getting credit card activity notifications on my cell phone. I was unaware of these transactions until my card was cancelled. I then spoke with a fraud agent. She asked me to verify activity on my card by questioning ONLY 3 transactions, so I was still unaware that there were two ( 2 ) fraud transactions. 
Within a day or so I realized that the credit card company was only addressing one ( 1 ) fraud transaction. I called back, got a different agent, identified the XX/XX/2024 transaction for {$2600.00} as fraud. A claim was opened but without any further input from me the claim was denied. I called back again, got a different agent. He agreed that both transactions were fraudulent but actually said he " must choose between the card holder and the merchant ''. My claim was again denied.
Product: Vehicle loan or lease

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

XXXX sent me a letter dated XX/XX/2022 stating that my account was delinquent, and they intend to repossess. 

This was regarding my XXXX payment in the amount of XXXX. That payment was made on XX/XX/2022. However, when I spoke with a XXXX representative, I was informed that the payment went toward interest and not the principle. Im not sure how that happened. I always make my payments online and this has never occurred. The representative stated that I must have clicked on pay interest only, which I did not do. There must have been some sort of glitch in your system. This is a billing error according to 12 CFR 1026.13. And pursuant 15 USC 1681 ( n ) ( 1 ) ( a ) Nissan Motor Acceptance Company is civilly liable and I am owed remedy for damages up to {$1000.00}. 

Because of this error, I have suffered another detrimental hit to my XXXX  score and consumer report preventing me from qualifying for other consumer credit transactions that I was in the process of obtaining. Due to XXXX reporting yet again inaccurate information, this payment error, to the credit reporting agencies my reputation has been damaged. I want XXXX to contact the credit reporting agencies and rescind the late payment immediately.
Product: Mortgage

Unfortunately, due to the time essential, to avoid further interest, I have paid off the whole amount of Rushmore request first this morning {$200000.00} first, including the appeal items ( total XXXX ). 

Having paid off the mortgage loan, I requested Rushmore to provide the release Rushmore of the interest in the Property after all funds have cleared immediately. 

Second, Further to my request dated on XXXX XXXX to Rushmore foreclosure attorney, to request to remove the Escrow Advance Balance {$15000.00} / Late Fee Balance {$1100.00} / Corporate Advance Balance {$1500.00}, a total {$18000.00} for the loan balance. I have not received any response. 

Therfore, I request Rushmore to please send any overpayment or refunds directly to " XXXX XXXX '' Current Owner at XXXX XXXX XXXX, XXXX, FL XXXX.
Product: Payday loan, title loan, or personal loan

I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$1200.00}. APR is 647.79 % with a total finance charge of {$6000.00} over the life of the loan, spread across 20 ( twenty ) semi monthly payments of {$360.00} which began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH, and I have recently revoked my ACH debit authorization.
Product: Payday loan

On XXXX XXXX, 2016, I applied for a loan with Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX. I was approved for {$600.00} and told that the total amount to pay the loan off would be {$810.00} ( with an interest rate 35 % ). I agreed over the phone to pay off the loan at {$810.00} ; however, after the money was deposited into my account, Big Picture Loans sent me a different agreement which stated that my annual percentage rate was 740.258 %, and instead of {$210.00} in finance charges, I would pay {$3600.00} in finance charges. I called the company after discovering this and informed them of my concerns and was unable to resolve the issue. As a result, they have automatically deducted {$210.00} every two weeks from my account, to date, totaling {$1000.00}.
Product: Debt collection

I am writing to formally lodge a complaint against Portfolio Recovery Associates for the continued inaccurate reporting of a debt on my credit profile. 

I was served a summons to appear in court on XX/XX/XXXX, by Portfolio Recovery Associates debt XXXX concerning an alleged debt from XXXX XXXX, specifically for accounts linked to XXXX XXXX XXXXXXXX XXXX. The court dates were rescheduled multiple times. Throughout this period, I requested Portfolio Recovery Associates provide a valid validation of the debt and a full accounting of this alleged debt. They failed to provide this documentation and did not appear for the final court date on XX/XX/XXXX. Portfolio Recovery did not show up, and the case was dismissed without prejudice at the plaintiffs cost for want of prosecution in XX/XX/XXXX. 

Despite the dismissal of this case, Portfolio Recovery Associates continues to report this debt on my credit profile. I have asked them to cease all communications with me unless they can substantiate the debt, yet they persist in reporting it, causing significant negative impacts on my credit score and overall livelihood. On XX/XX/XXXX, I sent a certified letter via USPS that was delivered on XX/XX/XXXX, to this company asking for a full accounting and validation of the debt or to cease all communication if they could not provide me with it. They failed to provide the requested documents but continued to contact me. I was also called on my personal phone number by XXXX XXXX, one of the attorneys, on XX/XX/XXXX, after my letter was delivered expressing no contact regarding this matter. 

I am requesting the CFPBs intervention to compel Portfolio Recovery Associates to remove these inaccurate accounts from my credit profile and to compensate me for each violation done by Portfolio Recovery Associates. They knowingly obtained my credit profile without any permissible purpose multiple times, as shown in my consumer file. The continued reporting of this invalid debt is unjust and detrimental to my financial well-being. 

Please find attached copies of relevant court documents and any correspondence related to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 my identity was stolen. I placed a credit freeze on all of my accounts and asked for a fraud alert to be placed. I am not sure if the fraud alert was placed because this week I was told that there was no fraud alert. After I alerted experian that my identity had been stolen and asked for a fraud alert and a credit freeze, they allowed the criminal to open a membership account in my name but with their phone number and address. The criminal was able to unfreeze my credit. I have made numerous phone calls and sent countless emails about this situation. It took hours of my time to get them to close the membership account that was never mine but had access to my information.Since then my credit has been unfrozen several times. I recently found out that that fraudulent membership account was reopened and it was not by me. The criminal was able to change my mailing address in the DMV system and was mailed my new drivers license. They are aggressively trying to buy cars in my name in XXXX XXXXI have spent hours on the phone this week trying to fight this. If my credit was locked as it should be then I wouldn't have this problem. I haven't been able to reach a person at Experian this week. They sent me an email with a case # saying their is a fraud investigation and that they tried to call me. They didn't try to call me because their is no message or missed call on my phone. I have called the number from their email multiple times and left message that my credit needs to stay frozen and they need to remove the membership account and online access. No one has returned my calls and yesterday my credit was unfrozen again. They are doing more to help the criminal than they are to help me and it makes me wonder if there are criminals working there. This has been extremely stressful and time consuming and I am having to take time away from work in order to deal with it. The criminals were almost able to make a purchase of {$130000.00} in my name at XXXX this week. They are professionals and keep trying to make purchases and get credit cards. I need my credit to be frozen and stay frozen. I also want the membership account which was never mine deleted permanently. I would never do business with experian after this experience. I have made many phone calls and sent several emails to experian explaining the situation and asking for help yet nothing changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting as multiple late payments in 2021 that were not late. Payments were made on time. During XXXX of 2021 I asked for a payment extension due to XXXX and was approved for the extension. It is now reporting on my report as late for the months of XXXX which is inaccurate. 

Also XXXX  XXXX is reporting as an open account but the account is actually paid in full and closed. I do not have access to this credit any longer. This account needs to be reported as closed and paid or deleted off of my credit report.
Product: Vehicle loan or lease

It has currently been over 3 months since I paid off the auto loan on XX/XX/XXXX and have not received the title of the vehicle. On XX/XX/XXXX, I contacted Huntington to get a status update on when I will receive the title and was told Huntington had no information on it. 

According to The Huntington National Bank , the company claims they identified that the amount of income disclosed on the application may have been entered incorrectly when Huntington received the credit application and contacted the dealership to retrieve the corrected income amount and approved and funded my request for financing with the updated information. 

On XX/XX/XXXX, I decided to call Huntington to see what they receive on the credit application as my income and ended up speaking with the underwriter that approved and finalized the deal. Underwriter claims it was submitted as $ XXXX monthly income, but knew the loan would not get approved so underwriter confidently assumed it was an error and added an extra zero to the end without contacting the dealership to verify which is fraud. 

The Huntington National Bank said the company would not do anything while another bank have decided to remove the credit inquiries as a courtesy to me and in light of the clerical error by the dealer.