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

This is additional feedback on Complaint ID XXXX to describe the exact nature of the defect in the Equifax web site. A CLOSER ANALYSIS. STEP1 - XXXX does the only data input in the process, collecting social security number, name, and address. STEP2 - equifax.com looks up four or five multiple-choice credit history questions specific to the user, which I  answer correctly. STEP3 - equifax.com looks up my credit report, but this operation FAILS. What's wrong with this design? Simple : two different parts of the Equifax web site, for STEP2 and STEP3, look up information in Equifax 's databases with THE SAME INFORMATION from STEP1, yet STEP2 succeeds and STEP3 fails. While it is possible to design software this way ( e.g., the five characters " XXXX '' might be acceptable as numerical input for a hypothetical first validation, yet invalid for a second, more rigorous, integer validation ), this is extremely poor design. The most rigorous validation required on predetermined data should be performed at the start of processing ; not in bits and pieces.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to XXXX XXXX. The account now shows closed and with a zero dollar balance and as a Chapter 7 discharge from Equifax with the same zero dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged, long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.
Product: Credit card or prepaid card

XX/XX/XXXX - A purchase of {$380.00} was made on my Apple Credit Card ( Goldman Sachs ) was made at XXXX at XXXX XXXX  XX/XX/XXXX I noticed a fraudulent charge of {$380.00} and immediately contacted Apple ( Goldman Sachs ) customer service at XXXX XXXX. I informed them that I've never made any purchases to this merchant. The full amount was credited back to my account and my credit card replaced. 
XX/XX/XXXX - Two new charges appear on my credit card, one of {$140.00} and another of {$230.00} totaling {$380.00} equal to original amount. I immediately contacted Apple credit card to dispute the charges one more time with XXXX. The amount was returned and a fraud investigation was underway. 
XX/XX/XXXX - I received an email with the transaction dispute resolved in favor of the merchant. The email states that sufficient evidence was provided by the merchant that Ive made the purchase. I called Apple credit card customer service once again to only dispute the transaction of {$140.00} and to request the documents of the results of the investigation. The Apple card specialist named XXXX at Goldman Sachs informed me that the documents would arrive in 1-3 business days. The documents never arrived after said time. The amount of {$230.00} remained credited and a temporary credit of {$140.00} was returned to my credit card. 
XX/XX/XXXX - The dispute made back in XX/XX/XXXX was again resolved in favor of the merchant for the same reasons stated above. The fraudulent amount of {$140.00} was charged back to my credit card and I received an email stating the same outcome. I contacted Apple Credit Card again to dispute the same amount of {$140.00} of part of the fraudulent purchase made at XXXX back in XX/XX/XXXX. I spoke to a fraud specialist again who repeated the same steps above and suggested to dispute the charge again with an unknown outcome. I requested the documents of the dispute and the specialist said that I will receive them in 1-3 business days. I told the specialist to leave the charge this time, and now, I'm filing this complaint.
Product: Credit reporting or other personal consumer reports

Hello, Dovenmuehle mortgage is incorrectly reporting that my XXXX mortgage payments are delinquent for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX through XX/XX/XXXX They are also reporting 'Unknown '' for XX/XX/XXXX and XXXX through XX/XX/XXXX. 

This incorrect reporting is preventing me from qualifying for an auto loan and I need this corrected ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple ftc reports in XXXX XXXX along with id and they refuse to accept it as id and process the ftc reports even after providing personal info
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX  and Transunionregarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Debt collection

On XX/XX/2020, I spoke with XXXX XXXX at USI Solutions after she left a voicemail on my phone as well as my mother 's phone. Her extension was Ms. XXXX told me that I owed a debt to XXXX XXXX, which I do not. XXXX XXXX is a scam website that purportedly sells airline tickets. After purchasing a ticket off of the website, I received a ticket that was in the wrong name. The XXXX XXXX refused to refund my money. I called my credit card company XXXX XXXX, and they refunded me the money. 

Ms. XXXX incorrectly told me that I owe money, which is the first problem. Ms. XXXX indicated that USI Solutions and XXXX XXXX would report the debt negatively on my credit. 

To make matters worse, Ms. XXXX then told me that I would be banned from flying on all major airlines if I did not pay the debt ( which again I do not owe ). Not only is this a lie, but it felt like a threat. I hope that USI Solutions will provide the recording where Ms. XXXX acted illegally. 

Please see the following reviews for examples of XXXX XXXX fraudulent practices : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While XXXX with the United States XXXX, I received late charges to my XXXX 's credit card account. Prior to XXXX I requested to temporarily delay payments due to the inability to reliably submit payments while serving in a remote location. My account was sent to the XXXX XXXX XXXX department and reported negatively on my credit report with all three bureaus. 

Once off XXXX, I immediately contacted the collection agency, explained in detail my situation and asked for relief under the Servicemember Civil Relief Act of 2003 ( SCRA ). The collection agent and I agreed that I would pay the full amount ( {$74.00} ) and in turn, they agency would report the account as closed and delete. I fulfilled my portion of the agreement and paid the full amount of {$74.00} in XX/XX/XXXX. However, the agency did not do what was agreed and the amount was reported as a " charge-off ''. In response, I contacted the collection agency and credit bureaus to have the account removed under the SCRA with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out serval supporting documents for a proper investigation and companies refuse to conduct a investigation.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2018 I legally changed my last name through the proper channels of the District Court of XXXX XXXXXXXX XXXX XXXX XXXX. I promptly updated my Drivers License, Social Security Card, and Bank card to my new last name. As I didn't have any open lines of credit at the time I was told I would not need to make any other changes. Later in XX/XX/2018, my personal data was exposed in a data breach of XXXX  now part of XXXX. My equifax was placed on a freeze and ever since I have not been able to fix the issue. I have reached out in multiple attempts to fix this and now I am wanting to open a line of credit to help me pay for school and living expenses.
Product: Vehicle loan or lease

I have a used car loan with nfcu. They provided me the title and lien release letter So I could sell the car to a private seller. The vehicle was sold and the money was deposited into my nfcu account so it could close the loan out. 

1. Navy Federal swept the funds completely from the bank and never actually deposited the funds into any of my accounts. 
2. I am now receiving threatening letters from Navy Federal to return the title for said vehicle to them. 

This is unprofessional of nfcu. I deposited money, again, and nfcu stole the money from my accounts, again, with justifications or reasons. Now I am still paying for a vehicle that was paid off and I get calls from nfcu demanding the title back. 

I am a target in nfcu systems because in the last 3 months nfcu is stealing cash from my bank accounts, redirecting my autopay amounts to whatever they want to pay instead of what money is supposed to be allocated, and even applying payments I made to 'principal ' instead of applying to actual payment amounts due. They don't take auto pay amounts when they are supposed to and mark my credit report as late even though they are not taking auto payments until 1 or 2 weeks after dates are specified.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue lined with the CFPD findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

My card was stolen. A charge was made and it was not from me.  Chase  did an " investigation '' and claim the charges were authorized ... they were not. They sent me a letter stating that they were reversing the credit on the  XXXX . They did the charge on the  XXXX  at  XXXX . Not only is that misleading but they also refuse to refund my money.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, a crimal background report was done on me for a job. XXXX  months ago the same company name XXXX did a criminal report on me and I had know problems being hired a company. I applied for a job with another company and they also used XXXX to do the criminal report. There is somebody by the name of XXXX XXXX whose showing on my report with my birthday and social security number. The address that's showing for XXXX XXXX along with the crimes he committed are also showing on my report.
Product: Credit reporting or other personal consumer reports

This company is listing me as having account abuse with XXXX XXXX XXXX XXXX. I do not owe XXXX any money and my accounts are in good standing.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took a loan out from XXXX XXXX XXXX in the amount of {$2500.00}. I wask scheduled to make payments of around {$300.00} twice a month, but early on I learned I could not afford that. I made several payments, but can not find any records in my email or my XXXX account for the total that I made. 

After I was unable to make a couple of payments, in which I notified XXXX, they transferred my account to NAM. 

I have made 14 payments to NAM of {$55.00} each, once a month. Total of {$770.00}. 

On XXXX/XXXX/XXXX I was notified that XXXX alledgedly lent me that money illegally, with this notice. 

NOTICE ID : XXXX Please keep for personal reference. 
If You Obtained a Loan from XXXX XXXX XXXX, XXXX, or XXXX   XXXX XXXX From XX/XX/XXXX to XX/XX/XXXX, You Could Get a Cash Payment from a Settlement or Cancellation of Your Loan A federal court ordered this notice. This is not a solicitation from a lawyer. 

NOTICE OF PROPOSED CLASS ACTION SETTLEMENT Solomon, et al. v. American Web Loan , Inc., et al. No. 4:17-cv-0145-HCM-RJK
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ADDRESSES THAT ARE LISTED DO NOT BELOW TO ME, I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX GA XXXX
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 : 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 I looked at my Transunion 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a recent copy of my credit report in XX/XX/2019. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, XXXX, XXXX, and Experian, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.
Product: Mortgage

The company offers those program where you get approved for an interest only loan to purchase a new home, then they turn around - usually within a few months and do a refinance to a conventional loan. I was in a bind and feel the broker took advantage of the situation left an enormous amount of details out. Essentially, I had to pay an exorbitant amount of fees, multiple closing costs, 2 mortgages at once and none of this was disclosed and the beginning or near the end. When this was discovered they offered little to no explanation. In retrospect this practice seems predatory and deceptive. Again, I feel if they informed me of the terms before the process started, I would declined using them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, While observing my credit report I noticed several inquiries that I do not recognize nor were they authorized by me. This inquiries are not affiliated with any open accounts I have so if possible, I am asking for them to be removed from my credit report. The inquiries that I do not recognize or authorize are : XXXX 1. XXXXXXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Complaint with Regions Bank : On XX/XX/year>, I submitted an online registration form for a {$300.00} new checking account bonus with Regions bank. The promotion specified that I must include the same email that will be used to open my account. After submission, I received an email confirmation stating I was registered, and to follow a link to open the account online. When trying to make the account online, I received an alert stating that I had to call the bank to finish setting up my application. During this online process, there was an option to submit my promotion code, and it went through and did not give me an alert for that step ( but does give an alert for any 'wrong/invalid " promotion codes submitted ). 

I called the bank on XX/XX/year> and while speaking with the banker, she told me that she could open my account. I asked her a total of 3 times if my promotion ( promotion code XXXX ) would be applied to my account, she at first stated " yes It will be applied ', then said and " I can not check if it has been applied now, but you can call tomorrow to verify that. '' Therefore, I ended up opening the account with the instruction the code has been applied. 

I called the bank on XX/XX/year> and while speaking with a new representative, XXXX, I was told during the XXXX min phone call that the promo code was not applied, that I had not registered for the promotion. I detailed that I have an email confirming such, and when instructed to submit the registration again, I was told from the website that my registration has already been completed. XXXX stated that she still did not see me having registered and there was no way to provide me with the promotion anymore as my account had already been opened. She stated that they may send me a code in the future, but she could not guarantee anything. I then closed my account with them, and am filing this complaint to address such misleading practices. I would have never opened the account if not for the initial promotion, and having such credit/bank account checks performed for me was wholly unnecessary. They also required an initial deposit to open the account, which was provided via phone. No confirmation was provided that this would be cancelled, but I hope that it does. I have not received any written confirmation of account closure, but was provided some #. I am unclear if the account was fully closed.
Product: Debt collection

I financed a solar system through XXXX XXXX XXXX at XXXX  XXXX XXXX ( XXXX ) in XX/XX/2021 through XXXX. I was promised by the company to receive refinancing after 1 year. After the initial year was expired, I reached out to XXXX and he sent me out a " refinance '' agreement with XXXX. I signed it for the lower interest rate that he promised to get me away from. 
Immediately after I signed the new " refinance '' agreement I started getting billed by both XXXX and XXXX. I called XXXX ( which there is an on going internal investigation ) and they informed me they don't even do refinancing. XXXX fabricated my paperwork as a new construction project, frauded XXXX, got paid, pocketed the money, and now I am paying on 2 loans. XXXX won't pay off either loan and has left me holding the bag on both. I'm on the hook for XXXX $ XXXX loans right now. I'm a XXXX XXXX  on a fixed income and I need help. 
XXXX XXXX XXXX has already done 18 months in the XXXX for XXXX XXXX and bank fraud. 
He ran XXXX XXXX in XXXX XXXX the same way, by scamming people. He is a con-man. I have 5-6 people I'm in contact with that I can give to you that also have 2 loans out. I have more people outside of that with a litany of other problems. 

I am attaching receipts of payments I've made on both accounts as well as balance due on both.
Product: Credit reporting or other personal consumer reports

MY CONSUMER REPORT HAS SEVERAL ACCOUNTS THAT ARE INACCURATE, UNVERIFIED. THESE ACCOUNTS ARE A VIOLATION OF THE FCRA AND MUST BE DELETED. THEY HAVE DIFFERENT DATES OF LAST ACTIVITY AND DIFFERENT DATES AND INACCURACIES IN THE PAYMENT HISTORY FOR EACH ACCOUNT BETWEEN XXXX, XXXX AND XXXX. ( XXXX XXXX XXXX ACCOUNTS ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I notified the agency last year to inform them that this is not my debt. They can not provide me with a signature or copy of identification. The address used when purchasing merchandise was not mine in fact Ive never lived in that area. Im not familiar with the company in which the purchase was made. None of the information they had was accurate even my form of income was inaccurate. The debt owed to XXXX XXXX XXXX in the amount of {$2400.00} Is not my debt. Completely fraudulent
Product: Credit card or prepaid card

I applied online for a Home Depot credit card through Citibank. I entered my landline phone number on the application. The system asked to send a verification code through text message or answer security questions. I chose to answer security questions since my landline phone does not receive text messages. I answered the security questions, and the system said I would need to call to give more information. By that time, the call-in number was closed, and I had to wait until it reopened the next morning. I called and was asked by the second Citibank rep who asked for my cellphone number that my cellphone number could not be verified by the Citibank system. In seeking to understand the details of this decision, I talked with six additional Citibank representatives - for a total of eight -none of whom could give very clear answers. I was told that my only option was to go into a Home Depot and present photo ID - no guarantee that that would work. I requested that my application be deleted. The Citibank representatives said they could not do that. They said that my application would remain active for 30 days, then it would be archived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, experian, and XXXX 5 or 6 times questioning the reporting of this unknown account XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) each time it comes back verified ... I have no idea what this account is ... .i am writing this complaint not only because i have no idea what this is but they are reporting the account on my report twice... they are double dipping which is a violation of my consumer rights...... the bureaus should be held accountable for the pencil whipping they do... I need these accounts removed from my reports immediately ... i have included and attachment
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> I am reporting a fraudulent inquiry found in my credit report
Product: Debt collection

I just checked my credit score online and noticed a collection agency named CFM group was trying to collect a balance of {$230.00}