23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The account and charges were reported as fraud. I even submitted a video to Navy Federal of the suspect and his toddler, who he directed to take the credit card from the front porch. I provided a police report, disputed with them personally, and they are still harassing me via telephone and email regarding collection.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX date opened XX/XX/XXXX Acct. XXXX XXXX {$7100.00}, ( Reinserted : XXXX XXXX XXXX date opened XX/XX/XXXX Acct. XXXX Bal. {$1500.00} ), XXXX XXXX date opened XX/XX/XXXX Acct. XXXX Bal. {$1000.00}, Inquiries : XXXX, XXXX XXXX XXXX XXXXXXXX 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.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

1. Spoke to Bank representative mid- XXXX, discussed end of forbearance options. 

2. Was explained the deferred option and was given the interest rates and payments. 
3. Was suggested to select deferred option but delay finalization until end of month to see if other changes or options may become available. 

4. Called back on or about XX/XX/2021 to get update on program, was told I was not eligible for deferred program. Called on Monday, XX/XX/XXXX, was on hold for 1 hour then disconnected, and called next day. 

5. Resumed automatic payments on XX/XX/2021, Payment were returned, received notice that I must make all forbearance payments. 

6. XX/XX/2021 received notice from my bank stating the XXXX payment was returned,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, TX XXXX XXXX type - XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, While trying to retrieve my free annual credit report from the three credit reporting agencies I 've consistently had insurmountable problems with Equifax. Every time I attempt to retrieve my report they state there is some error and refer me to using the regular postal mail. This time it was even more frustrating. I managed to enter Equifax 's dispute page for the first time and as I was correcting obviously inaccurate information as I hit the " submit dispute '' button the system kicked me out and then would not let me re-enter the page. Then once again it referred me to postal mail to correspond. As I had already passed the automated verification I know it was'nt a matter of me submitting incorrect verification information. 

This consistent hinderance to simple access is very annoying and it really feels like there is a flaw in their automated systems. 

Please let me know if there is anything I can do to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX  : XXXX # XXXX ; Experian # XXXX ; XXXX  # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.
Product: Credit card or prepaid card

I applied for, was approved and received a Discover XXXX XXXX credit card. After receipt I activated it and registered my online account. The card was fully usable at this time. Several days later I received an email stating that my identification needed to be validated through XXXX using IRS information and my account was temporarily suspended until the process was completed. 
I called Discover and was told this was a new procedure installed to prevent identity theft. 
This is very puzzling because as as soon as I received the card I could have literally spent the entire amount of the credit limit. How does this prevent identity theft? Should this not be completed BEFORE a card is physically issued? 
Honestly this is the most useless identity theft prevention I have ever heard of. I am waiting to obtain the verification then will most likely close the card unused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score is all over the place, XXXX here, XXXX over there.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Student loan

I've tried numerous times to pay on my student loan and have been sent back everytime that they successfully took payment, but days later there is a reversal in payment. 
I paid consistently on this loan before 2020 and now they are having reversal. 
I've emailed to them on XX/XX/XXXX and was supposed to hear back by XX/XX/XXXX. 
I'm very frustrated with trying to repay my student loan with Aidvantage. I've seen numerous stories from others concerned with them and there reversal practice. 
It appears they just want to dial up interest on loans by denying repayments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has furnished information to XXXX, Equifax and XXXX  of an alleged debt. I don't believe either of the 3 bureaus conducted an independent investigation as required by law after I disputed the alleged debt. Instead they each chose to accept a home depot statement as proof when I asked for specific documents validating the alleged debt, including a signed contract. XXXX, Equifax and XXXX  were each send a request to investigate the account for accuracy and a letter requesting the method of validation after they conducted their investigation. Even after a Estoppel by Silence letter, XXXX has failed to provide proof that I owe the debt to them. They also have not removed the account from my consumer report as also required by being validated.
Product: Checking or savings account

Two debit cards with checking account came in the mail to me the first was XXXX and the other XXXX. I dont remember opening either of these accounts and not sure how they obtained my information.
Product: Bank account or service

XX/XX/XXXX, I was the victim of an elaborate scam - wherein I was hired by a company named XXXX XXXX to complete work by cashing a casheir 's check at my bank Wells Faro, and redirecting this cash by sending a XXXX to another XXXX provider. I had no idea this was a scam, as it was a very valid looking cashiers check that would be cashed, so valid that the bank cashed XXXX of these checks. Only to later find out that this was an invalid account, a bogus cashiers check and a fraud. However, Wells Fargo held me responsible, rather than their employees for cashing and my account was debited in those amounts {$1100.00} and {$2300.00} - Which, I must add had been reported as fraud to several agencies. 
Fast forward to XX/XX/XXXX I am a struggling graduate student trying to pay for coursework, and my sister sent me a check for {$1000.00} to help. I went to Wells Fargo on Saturday XX/XX/XXXX, to cash the check upon which it was drawn, ( I might add my sister has been with Well Fargo since XX/XX/XXXX ). 
When I went in, I was approached by their personal bankers to avoid a fee to cash this check, would n't I like to open a personal checking account to avoid the fee 's I briefly explained that I do n't think i would be able to since the last problem, ans was assured that things have changed and we could try. So, I acquiesced and lo and behold I was approved to open the account, which we did and was given an instant debit card, which I used that evening. The personal banker was to be in touch on Monday, and she did never mentioning this old account. I went to use my card on XX/XX/XXXX and it would n't work. So, I went into the bank first thing XX/XX/XXXX and received another instant debit card, it still would n't work, upon return to the bank this time, I was informed they would n't be able to issue another debit card, and in fact would be freezing those assets for this old account as past due monies. Which, I never accepted or reaffirmed this debt in any way - in fact maintaining both I and Wells Fargo Bank had been victims of fraud. 
Now, Wells Faro has directed me that if I call to make a payment plan with the loss prevention team, they will THEN decide after making this payment arrangement whether to refund all, part or none of the deposited amount remaining which is {$780.00} - I feel like this is a form of extortion, and furthermore - I feel that it was very deceptive. Please also note : My sister who is on limited income due to XXXX, out of the goodness of her XXXX was loaning these monies to assist me to complete my XXXX, and really does not have this kind of money to pay an old bill of mine, nor to just chalk up to a loss. 
If there is any way in which your agency could assist me to at least get these monies back to her - it would be greatly appreciated.
Product: Mortgage

Our loan got sold to this company in XX/XX/XXXX/XX/XX/XXXX when we refinanced. It went to XXXX XXXX and then they sold it to Lakeview Loan Servicing. We got our first statement/bill in the mail from Lakeview Loan Servicing and sent it out on XX/XX/XXXX. ( It was due on XX/XX/XXXX XXXX. The payment goes to a PO Box in XXXX Pennsylvania. Were coming up on five weeks later and they still havent cashed our check. We have called customer service numerous times and explained what is going on and they have told us that everything will take a while to transfer. They have no communication with the place that receives the check payments. They dont know where our check is. They havent sent us another statement for XX/XX/XXXX yet. They keep telling us that we should keep waiting, but were very concerned with this company and theyre professionalism. We dont want to get behind on our payments but we also dont want to be slapped with double payments all of a sudden.
Product: Credit reporting, credit repair services, or other personal consumer reports

over 60 days have passed since disputes have been submitted company notified me they need more time this is a violation of the FCRA. please remove accounts attached
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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
Product: Debt collection

A few months ago, I disputed an attempt to collect {$220.00} on behalf of XXXX, made by AmSher Collections Services ( acc # XXXX ) regarding an ALREADY PAID final bill from XXXX. I have receipts and credit statements to prove this, so I disputed this through XXXX XXXX, sent them my evidence and wasnt surprised to find it removed from my credit due to a successful dispute relatively quickly. However, I then received a letter on the XX/XX/XXXX from XXXX XXXX XXXX, another debt collector, stating that they had picked up that same debt. The id # for this account is ( XXXX ) I believe this to be predatory collections tactics, on behalf of one or both collections companies. This debt was never existent as the final bill was paid IN STORE, in XXXX Minnesota late last year ( XXXX ). 

Id appreciate an investigation into this, and Im going to be filing a lawsuit against one or both of these companies as well because this is just a plain predatory attempt to circumvent my rights, over nonexistent debt. 

If you can contact me at : XXXX I can provide all the necessary documents, receipts and letters as I have to scan them into my computer and Im typing this on my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attachments ; You have violated my right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my ID SS and proof of address mail for my identity. I NEED TO PLACE A HOLD OR FREEZE ON MY CREDIT FILE AND I NEED A COPY OF MY FULL REPORT. I found tons of information that is not right on my file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is XXXX XXXX. XXXX please remove any other name. 
My address XXXX XXXX XXXX XXXX, OH XXXX I choose to opt-out of your disclosing future information until further notice including the Ful Report and other furnished XXXX XXXX inquires regarding all personal information.
Product: Mortgage

XXXX  XXXX XXXX sold my mortgage to Shellpoint Mortgage Servicing effective XX/XX/XXXX. There was a deferred payment amount of {$2300.00} that was placed at the end of the loan due to a Home Loan Modification completed in XXXX of XXXX. When Shellpoint took over the loan they tried to collect the fees and put them in past due fees. This has prevented me from making my payments online because an error message comes up that says you cant make payments when you have outstanding fees. Ive called numerous times and sent emails to customer service, each time I was told the fee would be moved to deferred payments so I would be able to make online payments. I was told the issue would be handled in 3-5 business days and its been well over a month and they are adding this fee to my mortgage payment. When I asked if they were reporting this amount to the credit bureaus as a past due amount I got no response. Before my mortgage was transferred I was able to make payments with no problems.
Product: Debt collection

In XX/XX/2019 my mother contacted me and stated someone left her a message looking for me and left a number for me to contact. 

After looking up the number I found it to be to a XXXX XXXX dba Regional Financial. 

I sent them a Validation of Debt letter and a Cease and Desist letter ( attached ) on XX/XX/2019 via fax and addressed it to a compliance officer at XXXX. I have attached the fax confirmation proving they received it. 

On XX/XX/2019 I faxed another letter that included the XX/XX/2019 letter and stated it had been 30 days and they have not been able to validate the debt. 

as of today, XX/XX/2019 they are still trying to collect on a debt I do not owe.
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 aligns with the recent CFPB 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

I opened a credit builder account at https : //www.self.inc. The website claims to build your credit by creating an installment loan that they add to your credit report, and I make the payments into a CD account for 12 months, or faster if I want. After the payments are made in full, they're supposed to give the money back. 

They verify me BEFORE opening the account asking for my address, date of birth and social security number. After everything was verified, they opened an installment loan on my credit report for {$1600.00}. I opened the account on XX/XX/2022. 

Now after I paid off the installment loan, they're supposed to give the money back to me. Because it's not a real loan, they never gave me any money. They just created an installment loan on my credit report for {$1600.00}. After I pay that amount into their CD account, it's supposed to show the installment loan is paid and closed, and they return the money. 

After I paid the full amount within 3 months, they don't want to return the money because I think they are running a ponzi. I don't think the money was deposited into a CD account and they don't have the money. 

They are telling me that I need to verify my identity to prove my identity and keep the account open. But the account is paid in full and closed already. They're asking me to verify my identity by sending them my bank statements to prove I paid for the installment loan. They want to look through all bank statements for the past 3 months to prove the money came out of my account to pay the installment loan before they give me my money back. 

This is not how a CD account works. Your identity is verified before you open any type of bank account. You don't have to send bank statements to prove to put money into a CD account to withdraw your money. 

I read their reviews too late, and they do this to everyone who pays off the loan earlier than 12 months. That's their trick, they think they won't have to pay the money back until 12 months later because it's a 12 month installment. So if you pay off the loan early, they don't even have the money to give back to you. That's a ponzi scheme. 

They have no problems opening the account for you, but when its time for them to give you your money back, suddenly they pretend like they don't know who you are and you need to take picture holding your ID, send all your bank statements, and other weird the know people won't do. If you refuse to do it, they just keep your money and keep sending you to a page that explains why they're asking for those verification documents. But the page they send you to is about verification documents they might ask you to provide BEFORE opening an account. 

I don't get a real response from the company. Just the same pre-written email telling me to send them my bank statements, and a link to the page talking about documents they might require BEFORE opening an account.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or update the following items : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries that I notice on my report. Contacted company to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or deleted. 
XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX : {$5100.00} XXXX  XXXX : {$6200.00} XXXX  XXXX : {$4600.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have contacted all three credit bureaus regarding these late payments, and they have all sent back letters stating that the account has been verified. I have had each of these accounts for some time now and I do not understand how they are reporting these late payments suddenly. 
Due to the law that the FCRA has put into place such as 15 U.S. Code 1666b ( TILA ) : A creditor can not treat a payment as late if it was made by the due date. 
15 U.S. Code 1681e ( b ) and 1681s-2 ( FCRA ) : These sections require that only accurate information is reported to credit bureaus and that errors are corrected. 
These laws work together to ensure that late payments are only reported if they are legitimate and that any errors in reporting are corrected promptly. 

I was never late, I am not sure if they had some type of system failure or what
Product: Debt collection

MS services did not respond to my letter for debt validation with requested documentation but still reported the account to credit bureaus.
Product: Credit reporting or other personal consumer reports

The company Credit Control , LLC has reported that I owe a debt to XXXXXXXX XXXX for which they've obtained. I have no knowledge of such account therefore this account needs to be removed/prevented from being added to my credit report. Please provide documentation with my signature regarding the account and cease contacting me. 

I've also been a victim of fraud in the last years. see ftc report.