23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a phone call on XX/XX/XXXX from someone claiming to be from the security department of Navy Federal. He said I had suspicious activity on my account. I didn't think anything of it because I had recently had many unauthorized charges on my cards that I was able to decline initially. He told me that I had made purchases in XXXX and Virginia ranging from {$1000.00} to {$1500.00}. He already had so much of my card and banking information I didn't think about the fact that he was scamming me. I was told I was sent a one-time code to verify my identity. After giving them the code, I watched my money move from my savings to my checking account, where it was subsequently paid out in several small deposits and three large deposits, with the total being around {$7900.00}. After realizing I had been scammed, I immediately called Navy Federal, only to get placed on hold after telling them I was just a victim of fraud and that I needed my account locked down immediately. I then drove directly to my local Navy Federal branch, where I was able to close my accounts and file a fraud report with the help of one of the representatives. Them and I agreed that it was very obvious that I was not the person making these charges on my account, due to the fact that the locations the money was being sent to were thousands of miles away from where I live. I recieved an email from Navy Federal on XX/XX/XXXX, stating that they had found no error in my transactions. This seemed very absured given the circumstances, so I went to my local branch again to further discuss why my fraud claim was denied. I was given little information or justification, so I jut asked about how to appeal it instead. I was told by the respresentative that I should recieved a message from navy federal on the mobile banking app, telling me how to file an appeal. I never recieved this message, and was instead given a piece of paper that provided little to no room for me to state the case as to why I felt like I deserved to get my money back.
Product: Mortgage

Around XX/XX/XXXX, I attempted making an online payment on the website of my loan company. The menu showed a standard amount of XXXX and I wished to round it to XXXX or XXXX. Upon choosing the " other amount '' and typing my payment, and submitting for processing, the website appear to make an error and ADD both my " other amount '' and the standard amount... 
This amounted to about {$3600.00} and my bank account did not have such funds, but only about XXXX. The bank returned the payment without funding the loan company. 
I contacted both the bank and the mortgage company to fix the problem. A stop payent for {$3600.00} was advised by XXXX and the mortgage company advised me to pay the correct amount separately after the returned incorrect amount. 
However, since that time of XX/XX/XXXX, my payments have been either acknowledged with a confirmation number, but not processed correctly and in a timely manner, causing the appearance of more months of delinquency and receiving a 'default notice '. 
Numerous emails and phone calls have been made to the mortgage company and finally the bank agreed to send them a letter documenting the protocol of payments and credits issued including details of the stop payment. 
I would like your help to ask XXXX to remove delinquency reporting after the Trial Modification payments were made as agreed in XXXX, XXXX, XXXX, XXXX .... accurately reflect any and all payments made and received/posted from the bank on my account.
Product: Credit reporting or other personal consumer reports

I have disputed this account for Military Star both with Credit Bureau and Creditor they continue showing on my report this account is in collections XX/XX/XXXX, only 1 month for whatever reason, this information is incorrect and neither company takes responsibility for reporting incorrect information , Credit bureau claims Military Star is reporting in collection XX/XX/XXXX but then Military Star denies reporting this to Credit Bureaus since their records show account. Closed and Paid in full since XXXX. I tried multiple times and unable to resolve this issue please help
Product: Credit card or prepaid card

Today, XXXX XXXX, I went to verify my account status for my XXXX XXXX XXXX maintained by Synchrony Bank. I noticed on my credit report that this account had fallen off. I called XXXX and finally got to speak to someone. She told me my account had been closed due to inactivity and that the last activity was in XXXX of XXXX. I told her I wanted the account open but she refused. The bank closing this account involuntarily has damaged my credit rating due to the fact that I had this card for several years and had a reasonably high, {$4000.00} spending limit on it. I need this account to be reopened, please ; and am even willing to purchase using it. The account has had perfect payment performance at all times during the period while I had been using it more often. I should note that there does not appear to be any indication to me that this account has been closed other than the implication via absence from my credit report -- unfair tactics on the lender 's part.
Product: Credit reporting or other personal consumer reports

In accordance with Fair c=Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 and 604 States i have the rights to privacy and a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing ( XXXX XXXX, Collections, Inquiries. ) ( See Attachments ) Inaccurate personal information ( Names, Addresses, Employment. ) Collections- ( see Attached ) XXXX XXXX XXXX  Violations XXXX XXXX XXXX FDCPA Violations , FCRA violations ( Requesting Validation, Verification, Proof Validation Letter Sent, Address on File For Consumer ) ( All Document In Cease & Desist Certified Letters ) attached Hard Inquiries ( No authorization )
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING FOR HELP GETTING THESE FRAUDULENT ACCOUNTS REMODVE. I AM HOPING I AM CONTACTING THE RIGHT COMPANY, BUT I AM A VICTI OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITIY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. THE ACCOUNTS ARE HAUNTING ME, I HAVE BEEN TRYING TO FIND THE RIGHT REMEDY TO GET THESE ACCOUNTS REMOVED.
Product: Student loan

Back in XX/XX/22, I received an email from the the US Department of Education advising me that my student loans, formerly with Navient, had been transferred, and that I was to register soon with XXXX XXXX, which I did. However, despite doing so, I have consistently received emails and calls from Navient stating I still need to deal with them, or that I am in arrears with a payment soon due, or that they still hold a private loan of mine. None of these assertions can be true, since I have never taken a private loan, did not enter repayment bc still in deferment and only recently graduated, and we are all still under the federal COVID deferment. They also indicated my request for consolidation " was not processed '' since I needed to do that with them instead of the XXXX website where I have completed request for consolidation, request for PSLF, and request for cancellation due to faulty school ( XXXX XXXX XXXX  XXXX ). The last and several calls were from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX This account is not accurate. This account show an inaccurate date of being reported as well as the date the account was opened is also wrong.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  XXXX/XXXX  account # xxxxxx XXXX has violated my rights. 

15 USC 1681 section 602 ( A ), states I have a Right to Privacy 15 USC 1681 Section 604 ( B ) section ( 2 ), also states a consumer reporting agency can not furnish a consumer report without my written instructions.

I reserve all Rights to privacy and have not given written instructions to furnish the reporting of this account.
Product: Mortgage

Got XXXX XXXX XXXX  2.75 % in XXXX, XXXX. Balance now $ XXXX. No late payments. Current value : XXXX XXXX  Only box checked on REASON FOR CREDIT DENIAL is value of collateral insufficient. Credit report says PAYMENT HISTORY EXCEPTIONAL FOR ALL ACCOUNTS. Perfect credit history on all mortgage accounts. All debts unsecured other than home and car ( XXXX XXXXXXXX ). All payments on XXXX on time. Attitude changed when I revealed my age. Unreasonable denial leaves us cash poor. We are both retired with only income Social Security and an annuity my wife received for being 100 % XXXX in workers comp case. She was a XXXX XXXX XXXX and I a XXXX XXXX XXXX XXXX 

We requested a heloc of XXXX XXXX ( less than 75 % XXXX ) and way within the safe range of our XXXX XXXX equity. Our XXXX includes insurance and property taxes and we pay XXXX XXXX monthly to principal!. Please help. Thank you.
Product: Payday loan, title loan, or personal loan

XX/XX/2022 I submitted a request for the cancellation of a duplicate ticket. Until this time I was unaware there was a duplicate ticket and when I became aware I immediate contacted alternative airlines because I also purchased cancellation protection in the event I had to cancel my ticket. However, upon requesting to cancel duplicate ticket I received many conflicting messages from the ticket has be cancelled, I only had one ticket and needed to change the date, and there is no duplicate ticket. Eventually I was told that I could not cancel the ticket after 24hrs ; by which the ticket was allegedly purchased on XX/XX/2022. I continue to explained to the representative that I could not afford to pay for the duplicate ticket as to I do not need it or can use the ticket. They continue on to say that they could only could give me credit. However I am not a big traveler, and I don't foresee me needing this credit for future travels. This trip was my friends birthday trip by which I was invited to go and it turned into a nightmare.
Product: Mortgage

I originally submitted this to the XXXX and the Georgia Department of Banking and Finance. The GA DBF responded that they had no jurisdiction, and recommended that I contact you. The original complaint follows : XX/XX/XXXX I moved to XXXX GA from California, and purchased a home. It was initially financed by XXXX XXXX. For the record, I have made every payment on time, without fail. XX/XX/XXXX J G Wentworth apparently purchased my loan or purchased XXXX XXXX. Since that time, I have had nothing but trouble with Wentworth. I am a XXXX Veteran, and as such, I pay no property tax to XXXX County. I have furnished Wentworth with the appropriate documentation certifying this. Today, for the fifth time, I was on the telephone with Wentworth, trying to get them to understand that I pay no tax. Why, you might ask, was I having this conversation? Once again I got my payment notice, and ascertained that my payment was going up, because of an escrow shortfall. The shortfall was due to the need to withhold for property taxes. After spending 25 minutes on the telephone with Wentworth 's representative, I asked to be transferred to her supervisor. After being on hold again, this time for ten minutes, a person purporting to be a supervisor came on the line. I explained to him the circumstances, and that I could not seem to get through to his representative that as a XXXX veteran, I do not pay taxes. His statement to me was that the law required them to hold in escrow an amount to pay taxes to XXXX County. By his own admission, I have provided them with the appropriate paperwork, and they have also spoken to the Tax Assessor for XXXX County, to the effect that there are no taxes due on my property. Also according to this " supervisor '' if Wentworth does NOT pay anything to the Tax Assessor, any money held in escrow would have to be refunded to me. I asked him why, when he had all the documentation necessary to verify that I do not pay taxes, would they then withhold an extra amount to taxes. His answer was that the law required them to. After chasing this circular argument for several minutes, I asked to speak to HIS supervisor. I was told that he could n't do that. At this point, I was so frustrated that I hung up.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my husband and I started buying XXXX  on Robinhood. We deposited around {$4500.00} and purchased XXXXXXXX XXXX 

Robinhood restricted our accounts. They could never tell me WHY, only that the account was restricted and would be resolved on XX/XX/XXXX. On XX/XX/XXXX, the resolution date changed to the XXXX. On the XXXX, the resolution date changed to the XXXX. I then requested that customer support call me and they mirrored my sentiment of being concerned and assured me that they would escalate my review. 

I called a few more times between XX/XX/XXXX and XX/XX/XXXX, and on XX/XX/year> I received an email stating all of our xrp had been sold ( at a loss ) and our accounts had been closed. I've called back numerous times, and Robinhood either hangs up on me, tells me to refer to my emails, and there have even been times when they restrict my option to chat or call. 

The app won't let me deposit the small amount left over after they sold my assets for a loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraud alerts and unfreezes security from credit report. I want to receive credit offers. I sent out the require Information letters to the company.
Product: Credit reporting or other personal consumer reports

I noticed three inquiries on my XXXX credit report placed by XXXX XXXX on or about XX/XX/. Although these were soft inquiries, the simple fact is that I have never -- yes, never -- authorized Lexington Law access and have never even applied or inquired about any services Lexington Law offers. Lexington Law accessed my credit reports illegally with no permissible purpose at all. 

I contacted Lexington law for an explanation, and they referred me to XXXX. I spoke with a woman from XXXX multiple times, but she was incompetent and dishonest. She stated they would remove the inquiries, but they never did. She stated they would call me to discuss the issue, but they never did.
Product: Student loan

So I started off with XXXX on my loan in XXXX. Now I 'm up to XXXX on the same loan. I have been dealing with Navient who holds my loans. The loans have been put on forbearance and now been on income repayment plan but no matter what I do, my loan keeps going up XXXX dollars every year. This last time I asked why and they said it was the interest but if I look on the documents they gave me for all the income repayment plans and forbearance is explained the opposite. I also try to claim that when I graduated from XXXX, the loan was higher then what I applied for. XXXX XXXX/ Navient never looked into for me. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter applied for a XXXX Credit card from XXXX Bank. She went to their site to see if she would prequalify for a card without any impact to her credit bureau score. The pre-qualify said she didn't qualify so she used me as a co-signer, again using the prequalify on-line application. We were both denied, end of story. Unfortunately XXXX Bank reported the denied application to all 3 credit bureaus as a declined loan, thus lowering my score between 3-9 points. This was supposed to be a prequalify, not an actual application.
Product: Credit card or prepaid card

My card was used at a XXXX XXXX XXXX XXXX XXXX, XXXX, TX without my permission on XX/XX/XXXX, I received a text message saying my account went below {$25.00} so I log on to my account and saw 2 transaction and called AmEx Serve right away and had the card cancelled stating fraud. I was told to call back or go online to dispute the transaction once they processed, I did on on monday XX/XX/XXXX when they cleared. I was send a declaration of Fraud letter on XX/XX/XXXX which I filled out and emailed back to serve on XX/XX/XXXX. I have called 3 times to check on it and each time was told I would get a letter once it was decided. on XX/XX/XXXX I received a decision saying Based upon their investigation we have determined that no error occured and the transactions in question were authorized. Therefore the transactions is not eligible for credit to your account. 
I have called twice to talk to someone at AmEx serve but they tell me the decision was made. and I repeat I did not give authorization for someone to use my card and I had the card and was at home not XXXX TX. I even gave them a idea of what could have happen at XXXX XXXX XXXX which I made a purchase earlier that day.
Product: Credit reporting or other personal consumer reports

XXXX months ago, my Credit Karma ( CK ) Money account was hacked. the hacker attempted to get the money out of my account, but fortunately that was blocked. CK did lock my account and i had to deal with their fraud dept to unlock my money accounts. which they did, and i then withdrew all funds and closed the accounts. However my regular CK account, with access to all of my Credit info for both XXXX and XXXX, did also have the contact phone number changed on it by the hacker. CK has refused now for over 2 months to change the number back to mine. Even though my phone number is listed everywhere else, Their Fraud dept validated me, and i have sent them all required Docs. So now, after 2 months of trying, i still can not access my regular CK account and info, but the Hacker can. and i have now had 3 Credit card accounts hacked. My Identity is being compromised every day now that CK refuses to close this XXXX XXXX. CK is solely responsible for for breach in security to my Identity Theft and i have tried a dozen times to reach out to them to fix this. their people are utterly useless to get this done and apparently the dept that can fix it is only reachable by email, however they Never respond back to me. So i have been left with no option but to start contacting outside sources like XXXX  to get CK to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following Items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I got an alert on my credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company XXXX XXXX as the collection company. They listed the original lender as XXXX XXXX  ( which does not do student loan lending ) but my credit report has XXXX XXXX XXXX as the original creditor. So I disputed this info on all XXXX reporting agency reports. Equifax, XXXX  both returned saying the accts were accurate. So after hearing this I reached out to XXXX and requested the original loan docs for my 3 accts that they were reporting for me. As of today XX/XX/XXXX they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I also tried to contact XXXX XXXX XXXX but they aren't a real company, and XXXX XXXX does not do student loans. I explained this to Equifax and XXXX  but they would not remove the collections from my report. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accts then they should not be on my credit report.
Product: Credit reporting

RE : Consumer ID # XXXX I am a victim of Identity Theft and have had my information stolen and was fraudulently used to open accounts ( Credit Cards, Checking/Saving Accounts ). I have been in contact with the Credit Bureaus and disputed those accounts, I have also contacted the creditors of those accounts and made them aware that my information was fraudulently used to open accounts. I have also filed a police report with the XXXX Police Department regarding my situation and they have advised me to contact the proper credit bureaus and creditors to let them know of this matter. 

There are XXXX entries for a negative reporting on the report from XXXX and I have contacted chexsystem to dispute this as identity theft however they are not willing to investigate or remove this entry on my consumer report
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX XXXX and XXXX are still reporting a fraudulent account on my credit report. 
XXXX XXXX XXXX, servicer to XXXXXXXX XXXX XXXX XXXXXXXX. completed an investigation into a XXXXXXXX XXXX XXXX account and verified that it was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. XXXX Accounts with XXXX XXXX XXXX were open jointly and fraudulent one in the amount of XXXX dollars and the other in the amount of XXXX dollars. I want these accounts deleted and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX