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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX 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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/year> I thought I had contacted XXXX XXXX Rentals but instead it was a fake rental office. The sales person gave me a reasonable rate to XX/XX/XXXX. He wanted a deposit and kept saying by doing paperwork now will save me lots of time at the airport & preventing standing in line. He started sending me text messages which I thought was the paperwork. He said don't worry about what's on the text but to give him the code at the bottom of the message. So on the XXXX text there was an unusual number of {$160.00}. I asked him what that was for & he said for account verification. He also said at the end it will add up to {$200.00} which will be your deposit. 
He said it's important to get your confirmation #, have your DL, XXXX card & verification of XXXX. He sent me XXXX text & that's when I thought I should check by bank account. The transactions was a total of {$690.00}. Thats when I came unglued. I called him back and said put all my money back. That's when he hung up on me & several other times. 
I called BECU and talked to XXXX. She said she could not do anything to those transactions because they are in pending. So she suggested calling back tomorrow. 
On XX/XX/XXXX I called BECU & talked to XXXX. She said XXXX of the transactions were out of pending. That was the start of everything falling apart. She prepared a claim form for the XXXX Department with XX/XX/XXXX in the amount of {$430.00}. Then on XX/XX/XXXX the other XXXX were out of pending & assigned claim XX/XX/XXXX in the amount of {$250.00}. I was told these claims will take 90 days for the department to make their decision & they would email me the results. After XXXX months they sent me XXXX email that was encryupted. I was not able to open it. So I called BECU & the rep said the message was they were still working on my claim. 
So on XX/XX/XXXX they deducted the first claim because they did not approve it. They did not notify me they were taking my money out. I feel I can't trust my bank. First they were notified the deductions were a scam and they did not reverse them. Second they did not communicate like they said they would. Oh by the way when I called BECU & complained that the funds were taken out of my account, then I received a notification. It would of appreciated at least a 2 day notice. I had a lot of stress searching out resources to help with my scam & trying to reach the company that took my money. They did make the decision in 2 months instead of XXXX but still was a long time.
Product: Debt collection

On   XXXX   XXXX   2017 I was notified by the Mortgage Company that Stellar Recovery just popped up on my Credit Report for   XXXX   XXXX  . I stated I was confused as I am a current customer. So contacted original Creditor   XXXX   XXXX   and took them a couple hours to find the account as it was over 2 years old. They found it and stated it was a final bill and told me the amount. I informed that I would pay right now and they took payment successfully. Received confirmation   XXXX   of   XXXX   2017 that it was paid from   XXXX   XXXX    Thank You for Your Payment Receipt. Contacted Stella of which Stella informed to send over the document. I did and I do not know whether they received it or not to this day. I contacted   XXXX   XXXX    to notify them that Stellar has not shown that I paid the bill. On   XXXX   XXXX   XXXX   I walked into   XXXX   XXXX   office and they printed off a Statement Balance Sheet of which I again sent email  XXXX  and they still did not get it. I once again reached out to   XXXX   XXXX   and they again confirmed the Account is paid and again stated they sent it to Stellar Recovery. Contacted Stellar Recovery   XXXX   XXXX   XXXX   2017 and they still had not received anything more over they refused to do anything about it. Very VERY Rude. So once again back to   XXXX   XXXX   of which was stated to me that they were sending a Cease and Assist Letter stating the Account is   XXXX   Balance and to remove me off their system by   XXXX     XXXX   XXXX   XXXX   2017. Contacted Stellar Recovery around  XXXX  and they stated they do n't have anything and they are not sending any letter even after a conference call   XXXX   XXXX  , myself, Stellar including the Store Manager for   XXXX   XXXX   as I was in their office again on speaker phone stating to Stellar Recovery that the Acct. was paid. And they are still refusing all forms of confirmation of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX  XX/XX/2019 I send a western union transfer to my sister for emergency when she goes to pick up the money they told her too much transaction. It was only $XX/XX/XXXX.when I called western union they give me another tracking number to go get my money back.2 days ago I sent $XX/XX/XXXX I am still not getting the money back, they also told me they can't give me any information about that money so I don't know what to do ,I don't know if I'm going to loose that amount the $XX/XX/XXXX or if I have to wait.also the western union customer service don't really don't speak English. My sister need that money so bad it is for emergency. I want to know why ever time I send a money in western union they block the transfer .thank you! Western union is bad now
Product: Payday loan, title loan, or personal loan

Purchased a service from XXXX XXXX XXXX onXX/XX/XXXX and paid for the service by using PayPal credit but never received an invoice either by US mail or by email from PayPal credit until earlier this week when an invoice came in the mail. Based on past PayPal statements on their web site PayPal charged me {$22.00} interest during the XX/XX/XXXX to XX/XX/XXXXbilling period but never got an invoice. Then they charged me duringXX/XX/XXXXtoXX/XX/XXXX billing period a {$25.00} late fee and {$3.00} interest and then during the XX/XX/XXXXtoXX/XX/XXXX billing period they sent me my first invoice in over 6 months with a {$38.00} late fee and {$4.00} in interest. Bottom line I was charged {$93.00} for late fees and interest and I never received an invoice until a few days ago and I then paid the balance in full which was {$280.00} Paypal Creidt told me that they sent an invoice every month for the past 6 months but until recently I had not seen an invoice or email or voicemail from PayPal that I had a past due balance. Paypal is dishonest based on the {$25.00} million they paid your agency two years ago XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After the data breech I locked my credit with all 3 credit services. Now I want to refinance my home and I can get no response to unlock it. XXXX keeps telling me their system is being backed up. Experian keeps you running around in phone prompts but will not give you a person to talk to. To frustrated to try XXXX XXXX. Wasted to days and lost my interest rate quote. Feel like I am being held XXXX by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Moved out of the house at the end of XXXX in anticipation of selling it. Had a buyer interested and ready to buy in XXXX. Closing took a lot longer than anticipated and buyer ended up moving into house in XXXX with a lease buy back agreement. While we were out of the house i didnt make a payment in XXXX in anticipation of the house closing. I never received a XXXX payment slip or phone call regarding the XXXX or XXXX payment. I thought since i didnt recieve a payment slip or phone call that i didnt need to make a payment in XXXX because the house was in closing. I didnt realize until i went to re finance my current house that First Tennessee Bank had reported me 60 days late. FTB was the 20 % of an 80/20 loan and the main mortgage company, XXXX ( who owned the 80 % of the mortgage ) did NOT report me 60 days late yet both payments were due at same time each month.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, CT, XXXX Incorrect DOB : - XXXX  Employer - XXXX Employer - XXXX Listed below are the Collections that are being challenged 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 XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Student loan

my personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have some fraudulent inquiries appearing on my credit reports. I have listed the inquiries below with supporting documentation. 

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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  servicing placed my mortgage ( Loan Number XXXX ) in a COVID-19 hardship forbearance. I called the company and informed that i was willing and able to resume making payments to my account. They took my account out of forbearance ; however, the payment amount they gave me was about {$1000.00} higher than before. This was due to the fact that XXXX over payed my property taxes by {$5800.00}. This was a mistake on the company 's behalf. My loss mitigation agent, XXXX XXXX informed me that she would place my account on an extended forbearance to allow my town to refund XXXX any moneys owed and they could credit this back to my escrow account, then give me an accurate payment amount. The agent indicated that since the account would be placed a forbearance i should not make payments, at least until we have an accurate payment amount. While my account was supposed to be on a forbearance it seems this was not done and therefore the company introduced a derogatory remark on my credit report stating that XXXX payment for XX/XX/2021. Had i known that the payment was due i would've made the payment since i have excellent payment history with this and many other accounts. My agent indicated that my first payment after the forbearance was in XX/XX/XXXX of XXXX. I was only following all of the instructions provided by my loss mitigation agent. I have attached all proof of communications between myself and the loss mitigation agent for your review. Furthermore, my loss mitigation agent no longer works with the company and could not help on this matter.
Product: Student loan

I 'm given to understand that the CFPB is investigating Navient. In early XXXX I was laid off, and Navient told me that forebearance was the only option besides a ~ {$450.00} combined monthly payment. I reluctantly agreed. After reading the investigation, I do believe these practices continued after XXXX and may even be continuing right now.
Product: Money transfer, virtual currency, or money service

I would refer to the attached documentation, when able, as I have been as thorough as possible. 

Even after being as diligent as possible in preparing this complaint, however, I realized I had missed several emails in regards to the dispute involving an unauthorized withdrawal to the PayPal Giving Fund. Thus, I want to make very clear -- I am very confused and very frustrated with the actions of the relevant parties, which provide the basis for this complaint. I have not received even a semi-plausible explanation for how my authorization to donate {$1.00} to a world hunger organization resulted in {$48.00} being deducted from my checking account, during a span of time I needed it most. 

I have been given different, and conflicting, and arguably suspect, explanations by various representatives of PayPal and, at this point, I am honestly disgusted. Their reputation as far as credibility is non-existent to me as of the date of this letter, although I have been a long-time, loyal, and responsible consumer. 

As far as who ended up with, and still possesses, my money -- I just don't know. I realized just earlier today that the dispute I opened re the transaction is apparently with the PayPal Giving Fund. I fail to understand how PayPal is unable to resolve a conflict with their own ... with someone associated with their own company 's name. 

On XXXX/XXXX/2020, a PayPal customer service representative blamed XXXX for the THEFT. On XXXX/XXXX/2020, a credible and extremely helpful XXXX representative dispelled that falsehood. 

Yesterday, I had my most disappointing, and arguably disturbing, communication with PayPal CS yet. After giving me the run-around for over 10 minutes, this representative insisted {$48.00} was deducted because I had a negative balance in my PayPal account of {$37.00}, due to the XX/XX/2020 XXXX  payment apparently never being fulfilled. 

It is very difficult to provide a complete documentation of all relevant facts, dates, amounts, etc., when the very individuals who claim, who are employed, to " serve '' or help the consumer, are dishonest and/or opaque. The long wait times, and wondering, like yesterday, if a supervisor was actually even available or would ever come to the phone do not help.
Product: Credit card

Been signed up for autopay with this company for almost 2 years. The same issue with my payments occurred last year in the XXXX  timeframe as well to no fault of mine. 

I paid my bill for XX/XX/XXXX, much higher than the minimum payment of {$300.00}. I then get an email stating that they accepted my payment and my next bill is due on XX/XX/XXXX, which was clearly an error. I log into the site and it says for XX/XX/XXXX, there is no payment due. 

On XX/XX/XXXX, they stated my payment was late and to make a payment before my next due date, XXXX, to prevent negatively credit. This was a generous offer as the payment being late was of no fault of my own as my account is on autopay. 

On XX/XX/XXXX, I got an alert from my credit report that they reported my account past due. I paid the outstanding on XX/XX/XXXX as they stated before XXXX. They did not report this payment to the credit bureaus accurately and destroyed my ability to close on my house as it dropped my score over XXXX points!!!! No phone number to call and all of my emails for remedy have gone unanswered. 

They need to correct my credit report and remove the late payment annotations on my report immediately. The same thing happened last year due to their system limitations and they resolved it as ago as possible. This year, same timeframe, my emails have been ignored. Many other clients have experienced the same issue around this time of year. 

Ive filled a complaint with the XXXX that has also gone unanswered from this fraudulent company. This is not right. I have rights and I have a right for the information on my credit report to reflect accurately my character as a consumer and they have literally turned my life upside down as Im no longer able to close on my house due to their unprofessionalism. This is unacceptable.
Product: Mortgage

I used my VA Loan when I first purchased my home in XXXX. In XXXX I filed XXXX. XXXX due to XXXX XXXX which I paid off and was XXXX in XXXX. In XXXX XXXX my mortgage was sold to Fay Servicing in XXXX TX. They automatically increased my monthly payment {$300.00}, saying my escrow was short. Everytime I talk to them they keep telling me my escrow is still short. I have automatic withdrawal from my checking account every month, have never been late on a payment since they have taken over my loan. I just don't understand how this can be when I had never had a problem with escrow before until they took over my mortgage. Could someone please check into this for me, I personally believe something illegal is going on here. I don't understand how after a year and a half of paying an extra {$300.00} a month my escrow still is coming up short. When Nothing has went up on my home insurance or taxes. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them my FTC report sand a Identity Theft affividat for two Accounts XXXX XXXX and XXXX XXXX XXXX XXXX because these accounts were accounts unauthorized by me ( fraud accounts ) and they have failed to delete them or block them, or answer my request for vaildation more than 30 days ago.
Product: Credit card

According to FCRA section 605b it is illegal to report anything on my credit report without my permission. Also I didn't give permission to share identity with anyone else. I asked for purchasing agreement and I received billing statements.
Product: Vehicle loan or lease

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer reports from XXXX, XXXX, and TransUnion. I noticed that one or more is reporting my customer experiences.

Some of my lines of credit are characterized as ( utilization ) on my consumer reports and are being illegally reported. How I choose to utilize my credit lines is my EXPERIENCE ( utilization ) between myself and the credit issuer.

This is in clear violation of the law pursuant 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDIT ISSUER ) making the report is NOT INCLUDED on my Consumer Report.

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction experience ( utilization ) on my consumer reports when CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Money transfer, virtual currency, or money service

Venmo frozen my account and deposit for no reason XXXX dollars balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I been battling to dispute these accounts for about 5 years. It doesn't make any sense to even continue when the companies. XXXX XXXX  are some of the means people in the world right beside XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX. You can talk nice to them all day still don't mean anything. If they feel the need to cuss you out it will happen. You must treat customers with respect at all times. 

These are not my accounts and I want them deleted immediately and permanently : XXXX XXXX   XXXX, - Charge offs - Closed Account - Please Delete Permanently. 

XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX, Charge offs - Closed Account Please Delete Permanently. 

XXXX XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX  XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX XXXX, Charge offs - Closed Account Please Delete Permanently.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fee I have incurrent. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issued aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.