23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX put forced place insurance on me stating we did not have homeowners insurance coverage. We sent them proof 4 times showing we have had contiguous coverage with the same insurance co for more than 5 straight years. They took out monthly payments ( that get auto debited from our account each month ) and apllied to insurance we didn't need. We have been battling with them for over 4 months and even though they show the error on their side, they acknowledge they have our money, we still get harassing collection calls once a week. I just found out I know have ( 2 ) 30 day lates against my perfect credit. They keep saying they're working on it but we've heard that for months and now have our 2nd 30 day late on our credit. PLEASE HELP US. THIS IS CRAZY
Product: Checking or savings account

I have a account with Ally XXXX XXXX, I tried to move funds from my account to the bank and the fund transfer does not go through and displays following message. 
Unable to process this request. Call us at XXXX. 
I called the number and have been on that line trying to speak to a representative and no one answered even after 2 hours. 
The account also is blocked to sell any stocks i own or to buy, Thus making me loose a lot of money. 

There are these issues for the last 4 days and have made me loose a lot of money.
Product: Prepaid card

I bought XXXX gift cards from XXXX and I loaded each card with {$500.00}. When I tried to use all the cards, my transaction was declined. so I checked recent activity. I found all the purchase made on the XXXX cards WERE NOT authorized by me. Further more I was out of country, and in XXXX from XX/XX/2016-XX/XX/2016 so any purchases on the gift card were not done by me.I called gift card issuer on XX/XX/2016. the operator told me the claim I filed with them on XX/XX/2016 WAS NOT TRACEABLE! I am very worried and there are a lot of victims like me reporting fraud online. 

This is not duplicate claim. This is my first time file complaint.I sent card issuer, US bank claim on XX/XX/2016. but they told me they could not find my case on XX/XX/2016!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a fraudulent open account " XXXX XXXX  '' from Experian & somehow, they've verified the information within a day of investigation. The address that's report is even wrong by the creditor. How is the information accurate? I demand this information to be removed immediately. I've submitted open documentations that verifies my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i been communicated via letter, via phone with experience, i must send 10 letter and over 10 calls, which you get a XXXX, XXXX XXXX  never one here in teh us, disputing errors on my credit report, letter after they do nothing, they are fraudulent, hurting my changes of getting a home. I am a responsible citizen, that works pay her taxes and bills on time, this comapny intentionally is not reacting to my claims
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was sent an invoice of {$250.00} for tutoring services. Today XX/XX/XXXX, I have still not received my money. I waited after 90 days, which is XX/XX/XXXX and have no received my money. This is illegal to me. The transfer keeps saying it will transfer but then when the day comes, push it back further. I have repeatedly emailed Square, tried to call them and have left a complaint before. I am a military spouse who just moved XXXX  who had to leave my job. This is so ridiculous this company is doing this to hard-working Americans. I will never use Square again and will be sure to tell people to stay clear from it. Over {$250.00}.
Product: Debt collection

IQ Data is reporting on my credit report a balance of XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX acct number XXXX is not my mortgage account and Equifax has illegally reporting this account on my credit report and has failed and did not comply with the facts 623 ( a ) ( 3 ) in their investigation. I have obtained a serious financial loss due to Eqifax inability to conduct a proper investigation. XXXX XXXX  has contact with no reply. I want justice!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried countless times to get this take care of. I have sent in FTC ID theft aff, police report everything. Please do something. I just need to stuff removed as it is fraud. I am at my end. XXXX XXXX ( has 2 cards? ), XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, Chapter XXXX bankruptcy, all of these inquiries. I am tired of yelling, sending letters, hiring lawyers, etc. These credit bureaus have cost me so much money and emotional distress that I am not sure what to do besides sue them again but at a class action level. This is sad how they treat people. I have had my information stolen from 2 breaches and a ex roommate who was XXXX  last year and now that I am trying to actual learn and use credit I can't. REMOVE THIS STUFF FROM MY CREDIT. there is a police report, FTC report, Evidence on public record that at the time some of these were open I was in prison.
Product: Debt collection

NB Group has repeatedly contacted me and other fellow family members harassing to collect a fraudent debt that I never owed or attempted any payday loan in the past. They are claim without any physical original contract with my signature a debt they claim I owe a Payday loan which I have never attempted in my life a payday loan. They left voice messages after voice messages with me even after being told to CEASE and DESIST contacting me, XXXX and other at this office XXXX stated they can continue on calling me regardless I told them this was against the federal law. I reminded them today as of XX/XX/XXXX I will be filing a complaint with the CFPB. They need to provide physical proof of my signature and a original contract as I know this is fraud. They claim this happened back in XX/XX/XXXX, which there was identity theft and my personal information was stolen. I have police reports and including and up to my XXXX XXXX being reported my identity was stolen from XX/XX/XXXX through XX/XX/XXXX. This company NP Group has violated my rights and continue to harass me and others on their list of automated calls as other family members are being harassed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Bank of America account on my credit reports. Today I received notice that my dispute is settled and it is still remaining on my XXXX  credit report. I am again submitting the letter from XXXX XXXX XXXX XXXX that shows proof this is to be deleted off my credit reports.
Product: Debt collection

My debt overnight increased from around {$290000.00} to {$430000.00}. They are falsely increasing my total amount and are not answering questions about how my debt increases. 

Additionally, representative have lied about not receiving documents in the best for best consolidation.
Product: Credit card or prepaid card

I applied for my barclay gold card actt ending in  XXXX  in  XXXX     2016. I  was informed that since I was an  XXXX   XXXX  military member all fees associated with my account would be waived and given 0 % interest till the end of my  XXXX   XXXX  commitment. In  XXXX   2016 Bar clay changed there policy and announced that these benifits would now only apply to those that had the card open prior to joining the military. This was a change from there original policy open to all those in the military regardless of the card was opened prior or after joining as long as the member was still on active orders. After I saw this change I their policy I called  Barclay and asked if i would be effected. I was told no since I had opened my account prior to the new policy that I would be grandfathered and my benifits would continue till the end of my service. I then just recently revived a new notification from Barclay  informing me that they would not be honoring the policy and that since I applied to the card after joinig I would now have to pay all fees associated with the card. I contacted barclay and asked what was going on they informed me that this was a change in policy and they could not do anything about it. I asked about being told before that I would be grandfathered as I applied prior to the new policy. They told me that I was being grandfathered but only for the fees of the year I joined and that would be it. I told them that when I first signed up I was given a letter that these benifits would continue till the end of my  XXXX   XXXX  service. At this point they just said sorry you can close your account if you want their is nothing we can do. I find this to be disturbing as the policy only changed after the fact and I did not recieve a notification in  XX/XX/XXXX  letting me know. I had to inquire to be told I would not be effected. Just to be told later on that I am now on the hook regardless of the original agreement.
Product: Vehicle loan or lease

On XX/XX/year>, I discovered unauthorized activity on my credit account. This included car loan inquiry Upon discovering the unauthorized activity, I immediately contacted the [ name of the company or financial institution ] to report the issue. I spoke with a representative and explained the situation. The representative informed me that [ describe any actions taken by the company, such as freezing the account, initiating an investigation, etc. 

Subsequently, I took several proactive measures to address the situation. These included contacting credit bureaus to place a fraud alert or freeze, etc. 

I am submitting this report to ensure that the appropriate actions are taken to investigate the unauthorized activity and prevent any further occurrences. I appreciate your attention to this matter and request prompt resolution. 

Please feel free to reach out if you require any additional information to assist with your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Balance {$2500.00} Highest Balance {$2500.00} Opened XX/XX/2013 ( 6 yrs )  Collection account Original Creditor Name XXXX XXXX
Product: Debt collection

XXXX XXXX changed their billing system in XXXX, 2016. Therefore, they were late in getting bills in the mail. When I received mine, I verified the balance and paid it. They turned me ( and everyone else ( who was " late '' ) over to Allied XXXX for collections action. I received a collections letter from Allied, stating I had a {$0.00} balance. They did not do their due diligence when accepting this matter from XXXX XXXX, nor did they before they sent the collections letter out. Also, they lied in their letter saying that they had attempted to contact me about the debt. Since I had no debt, the letter they sent to me is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Check Systems is reporting false information from XXXX XXXX for ( 2 ) accounts.
Product: Mortgage

iHAD A MORGAGE LOAN MODIFICTION IN 2010 AT XXXX AT 5.65 % PRINCIPAL AND INTERST PAYMENT XXXX DOLLARS I HAVE SPOKE WITH A NEW MORGAGE COMP AND HAD 3 WAY CONVERSATIONS WITH MY CURRENT CHACE MORGAGE THAT CAN NOT GIVE ME AN ANSER TO WHY MY PAMENTS ARE THAT OF A 8 % RATE.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Account Name :XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Name : XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Account Name : XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXX XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXX XXXX XX/XX/XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Account Name : XXXX XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

Bank of America ATM never dispense cash out, bank took funds out my account, they gave it back now they took my money again and telling me its nothing I can do to get it back claims they have me on camera collecting funds which is a lie I need to sue for fraud pain and suffering this has been stressful cant pay my bills this the second time and I have some information that can back my story up
Product: Credit card

I had a credit account with Amazon I closed it because Synchronic was charging me too much fee even though I paid extra to my account every time I paid it. Last XXXX I called Synchronic and requested that the account be closed and paid the balance which was over {$800.00}. Two months later, this month I received a bill from Synchronic stating that I owe the bank. I don't owe Synchronic not even a XXXX because I paid the balance in full and requested that the card be closed. This has been very stressful, Synchronic charged me every time I had a late payment of {$40.00} penalties. I need help, please.
Product: Mortgage

When my loan was transferred to Freedom Mortgage from XXXX ( XXXX Mortgage ) my payment went up about {$100.00} a month. Freedom says they have a bill from XXXX XXXX, that my taxes are {$270.00} a quarter. I'm a 100 % XXXX veteran, therefore my taxes with XXXX XXXX are only {$92.00} a year. I've verified that with XXXX XXXX XXXX on line prior to writing this email. That was paid in full on XX/XX/XXXX. Therefore I'm now paid in full on taxes until XX/XX/XXXX. 

Therefore, I have no idea why my payment has gone up {$100.00} a month or why Freedom Mortgage thinks then taxes are {$270.00} a quarter. 

XXXX in servicing was awesome, I spoke to a lady in the tax department and she was awful, even hung up on me. 

Thank you in advance for your help! XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union reguarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices where transactions settled with insufficient funds. I believe these practices are unfair and I am requesting an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am a XXXX of the united states, i noticed that my credit was being used in an fraudulent matter. The only account I've ever had was my XXXX  account and that Is paid on a timely matter. The other account I never authorized. I never opened any fraudulent or gave any consent to anyone to open such accounts. I do know that i only gave my information to taxpayers. I never authorized for any creditor to access my report or to open any accounts. The addresses and accounts needs to be removed. the same fraudulent account is reporting and needs to be removed.
Product: Credit reporting or other personal consumer reports

I have summitted several disputes to all 3 major credit reporting bureaus ( Experian/Equifax/TransUnion ) in regards to my XXXX XXXX XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notification stating the account has either been updated or verified as accurate. To date TransUnion and XXXX report a high balance of {$17000.00}. XXXX is reporting a high balance of {$16000.00}. TransUnion is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXX is reporting date of last activity as XX/XX/XXXX. TransUnion and XXXX are reporting this account as derogatory. XXXX is reporting this account as " PAID ''! TransUnion and XXXX are reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX is reporting an XXXX and XX/XX/XXXX payment history as PAID while XXXX reports them as 30 and 60 days late? which is it? did I pay or not? TransUnion report no payment history at all. ALL reporting a {$0.00} past due amount. How is one reporting paid and the others derogatory? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? if one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.
Product: Credit card or prepaid card

Received a {$500.00} Vanilla Gift Card from co-workers for my retirement. When I tried to use it, it is showing that no funds were ever added to the card. I contacted the issuer and they requested receipt information from when the card was purchased. That was provided to them as of XX/XX/XXXX and they have acknowledged receipt of the required documentation. They opened a case - number XXXX and told me a response would be provided within 30 business days, which would be XX/XX/XXXX. No response was received by XX/XX/XXXX so I contacted them on XX/XX/XXXX and they said it would be escalated and I would receive an email within 48 hours. No response so I called again on XX/XX/XXXX and was told the same thing, would be escalated and I would receive an email within 48 hours. No response so I called again on XX/XX/XXXX and was told the same thing - would be escalated and would receive an email within 48 hours. Still no response. 
The card was issued by XXXX, XXXX, Member FDIC. They are part of XXXX in XXXX XXXX, XXXX. Card is distributed and serviced by InComm Financial Services , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Please BLOCK this account from credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 2. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please BLOCK this account from credit report 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 3. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 4. ID TXXXX XXXX XXXX XXXX Account XXXX : XXXX Please BLOCK this account from credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5.XXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am currently in a divorce and have a permanent protection order from my spouse. This company has repeatedly sent people to our home to " inspect '' property that is apparently theirs now, meaning my home. They've ceaselessly called all hours of the day and past XXXX XXXX and they've now begun leaving threatening papers at our home nearly every day. There must be a law that protects XXXX XXXXXXXX victims and their families from these types of interactions during an already stressful and dangerous period for us. These people can be the catalyst to causing me or my family harm. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not a joke and this is not okay. These people have been told repeatedly what is going on and still they do not stop.
Product: Student loan

I am and have been a student that has been enrolled in a program at least half time. Every 3-6 months despite my student status, I begin to receive harassing emails and phone calls from Navient demanding payment for loans that are deferred. On at least 5 different occasions I have told them that I am a student and to stop but every 3-6 months it starts again. I have one loan that is on automatic payment that should only be {$25.00} a mint while I 'm in school. This month, they deducted the full amount from my account and I can not get in contact with anyone to get the money returned.
Product: Credit card or prepaid card

Theres has been fraud on my credit report. Someone opened a credit card with Barclays Bank of Delaware for over {$10000.00}. I tried contacting Barclays already and they suggested that I contact you guys.
Product: Mortgage

Company call several times a day passed the loan due date even when I have updated them on when I will be sending payment. I am not 30days or more late. They call in a very harassing manner, very poor customer service. I have gotten into several verbal disputes with them because different people call and no one seems to be updating their notes if any. I am in poor health and this has added too much stress, I am recently recovering from a XXXX XXXX and explained that to them, along with when I would be sending payment. And the harassing calls continue. I would prefer them not to call and to send correspondence thru mail or email. Even when my daughter called on my behalf to complain the manager was very rude to her. This company needs to work on its customer service skills.
Product: Debt collection

Derogaratory marks on my credit report that should have been removed have restarted the clock on my credit report. Portfolio Recover has three reports of the same debt entry that was in my mother 's name. I have been trying to get this off my credit report for years, and they keep denying the dispute. XXXX XXXX XXXX has done the same thing.