23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

As of XX/XX/XXXX, NelNet reports {$11.00} is past due ( despite federal moratorium on payments ). I've been on autopay Direct Debit with XXXX and have made all payments during the pandemic moratorium. 

XXXX sent me a Goodbye Letter dated XX/XX/XXXX notifying me that " Your loan account will be transferred to Nelnet on or about XX/XX/XXXX. '' That notice also stated that " If you are enrolled in " Direct Debit, your information will be transferred to Nelnet and automatic payments will resume.... There's no action for you to take.... Nelnet will continue from that point to draw your monthly payment amount from your bank account... Nelnet will let you know the first day it will debit a payment for your account. '' On XX/XX/XXXX, I received a Welcome Letter from Nelnet dated XX/XX/XXXX. This was my first correspondence from Nelnet. 

There are two errors here. First, Nelnet did not withdraw a payment for XX/XX/XXXX for the normal monthly amount of approximately {$750.00}. Thus, its servicing error has caused Nelnet to flag me as " {$11.00} is past due. '' Second, Nelnet has continued XXXX 's servicing error of noting that my account is due only for {$11.00} each month. XXXX was not properly applying my monthly payments ( that is the subject of another CFPB complaint that is still open ). This error can be pinpointed to sometime around XX/XX/XXXX when XXXX acknowledge it was misapplying my payments. On XX/XX/XXXX, and prior, my monthly amount was {$730.00}. Beginning with my payment on or around XX/XX/XXXX, XXXX changed my monthly amount due ( because it was misapplying my payments ) to {$750.00}. Consequently, XXXX also started reporting my account as due for {$11.00} each month instead of {$750.00}. 

Nelnet should accept responsibility for its failure to deduct my XX/XX/XXXX payment and/or send me payment information prior to the due date. Nelnet should also discontinue XXXX 's improper accounting and inaccurate monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit hard inquiries listed on my Equifax, XXXX  and XXXX XXXX credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, I never applied for credit with the above creditors. The credit hard inquiries are all fraudulent and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several disputes and sending in ftc forms and explaining i am a victim of identity theft i am now sending in a validation of debt and demanding deletion of account
Product: Debt collection

AD ASTRA RECOVERY representing XXXX  XXXX  has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$4700.00}
Product: Checking or savings account

I am a XXXX and finished a job where I received a check for {$9000.00}. I go to Bank of America to deposit my check at the atm after the clerk told me in the past to do it at the atm they were not able to help me deposit a check ( I always question this ). 

I deposited the check in XX/XX/year>, and see a hold was placed until XXXX XXXX. I think nothing of it and assume it just standard procedure. The days go by and I receive a letter in the mail from Bank of America that my business bank account is being closed. I was shocked. I call the number on the letter and a representative from the closure department informs me that the check I deposited was supposedly counterfeit adding more to my surprise. I immediately contacted the maker of the check ( XXXX XXXX ) and we both agree to meet at a Bank of America location the next day. 

The next day comes and we tell the staff that the check is not a counterfeit and the it is indeed a valid check. XXXX ( the maker of the check ) tries to show them on his XXXX XXXX XXXX that the check was cleared and funds taken out of his account. Bank of America did nothing to resolve the issue or did an adequate job looking into the matter. That same day XXXX and I went to XXXX XXXX to confirm the validity of the check. The agent at the XXXX XXXXXXXX XXXX XXXXaid that the check was valid and that is had even been cleared and paid to Bank of America. The XXXX XXXX agent even told us that Bank of America had the funds already and that they had never contacted them with any issues. The agent then printed a copy of the check photo and handed it to us. I later called Bank of America and told them what happened to which they still decided to close my business account unfairly and refused to tell me what made the check invalid. In the end all they told me was that the back office to Bank of America had the {$9000.00} and that they will a decision to what to do with the funds, but that the time to reach a decision would be indefinite. Waiting indefinitely for my money for a reason that is completely unfair to me is ridiculous and doesnt make any sense. XXXX XXXX paid Bank of America the funds and cleared the check, bank of American admitted they got the funds from XXXX XXXX and XXXX XXXX confirmed the check is valid ; yet Bank of America still made the decision to close my bank account and hold the funds indefinitely. Now Im financially struggling.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is that a fraudulent credit application was filed in my name to MACYSXXXX for a department store credit card. My credit monitoring service " XXXX '' sent me a notification about the fraudulent application, so I contacted MACYSXXXX to notify them about the fraud. They informed me that the application process was halted and that the credit inquiry on my credit report would be retracted. This occured on XX/XX/2023. I waited until XX/XX/2023, and the credit inquiry was never removed from my report. I contacted them again about this, and they told me that they would remove the inquirey. On XX/XX/2023, I checked my credit report, and not only did they not remove the inquiry, but they added another one. Now I have two fraudulent inquiries from MACYSXXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus ' have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus ' violated all privacy rights and  allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted Transuion to dispute the reporting of inquiries on my cerdit report # XXXX I communucated that the following inquiries were fraudulent and filed a complaint with the FTC. A copy of the FTC report # XXXX the dates for these inquiries were incorrect and should be the dates below. 

XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 I have communicated with Transunion multiole times and still the items remain. 

The is a XXXX credit card associated with my company XXXX XXXX XXXX but its a XXXX card associated with XXXX not this inquiry. 

the additional inquiory with XXXX XXXX is fraudulent and I have never had an account associated with XXXX XXXX even with them solicting me for business multiple times.
Product: Credit card or prepaid card

The issue as I understand it is Care Credit Master Card has applied my payments FIRST to " Promotional Balances, '' which allow 6 months to pay without interest, rather than on " Standard Purchases, '' which if not paid within the month, accrue interest charges. I have made telephone calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, without resolution. I asked that my payments be applied to " Standard Purchases '' first, to avoid interest charges. Instead, the interest charges have increased to {$41.00}. I am sending a letter to Synchrony Bank, detailing the conversation with various service customer representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the inaccurate information from these accounts : XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is breaking the consumer law pertaining to : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX I've uploaded documents I need this corrected immediately. This is a violation of my consumer rights. I've lost XXXX of dollars and mentally stress out. 
If this isn't resolved. I will have no choice but to move forward with litigation. 
XXXX CARD HOLD
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account is currently showing 180 days delinquent/past due on Experian and XXXX, which is dropping my score tremendously. I'm unable to apply for needed loans or credit cards which has impacted my finances. I was in covid forbearance for 6 months, and I was current on my payments when I went into it. Under the XXXX XXXX, my account should've been kept current. 

I have been trying to dispute this with the credit companies for 3 months. When I reached out months ago to the mortgage company they said someone from the credit department would get in contact with me and they never did. I also emailed about this issue on XX/XX/2022 with no follow-up.
Product: Debt collection

I am a victim of identity theft. On or around 2016, I lost personal information and several cards, including, " driver 's license, social security card, credit cards ''. I believe that my personal information was subsequently stolen and misused by unknown individuals. 
Since this incident, I have discovered multiple fraudulent activities carried out in my name without my consent or knowledge. Specifically : XXXX. Unauthorized Car Loan : A car loan was taken out under my name and information without my knowledge or approval. 
XXXX. Unauthorized Credit Cards : Several credit card accounts were opened in my name, leading to substantial unauthorized debt that I am not responsible for. 
XXXX. Medical Claims : I have also discovered that medical claims were made using my personal information, which I did not authorize or initiate. 
XXXX. Bank Accounts and Inquiries : Unauthorized bank accounts were opened, and inquiries were made into my credit history by various organizations, impacting my credit score and financial standing. 
I affirm that I did not open these accounts, initiate these claims, or give permission for any of these activities. I have taken steps to report the fraudulent activities to the relevant institutions, including XXXX XXXX XXXX Capital One, XXXX XXXX, and am in the process of securing my identity. 
I am providing this statement as part of my affidavit of fraud and identity theft to formally declare that I am not responsible for the above-mentioned transactions and activities carried out under my name. I am fully cooperating with law enforcement and all related agencies to resolve this matter and restore my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is a charge off listed on my credit report for XXXX XXXX, the account was never charged off and is paid in full with good statnding,
Product: Debt collection

My mother got ahold of my social security card and opened up several credit cards in my name when I was a minor. I have tried to file a dispute and tried contacting legal aide and nobody will help me. Every time I do file a dispute they are trying to make me pay it off. I refuse to pay the debt off when I did not open the account, like I said my mother opened these accounts in my name. It is ruining my credit and it is not allowing me to get a loan or anything because all of it is in my collections. 

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 card or prepaid card

You sent me your request an hour ago. By state statute we have 5 business days to return a response. There are multiple requests ahead of you. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX FAX XXXX I never applied for a XXXX card and I would want for you to discuss them to this XXXX XXXX XXXX I filled a police report that I never applied for this account can you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have continued to report XXXX XXXX  as a collection account even though I have made you aware that it is inaccurate.

See attached the alleged creditors response to my verification request of the reported collections information.

If this is not rectified, I will be following up with legal action.
Product: Credit reporting or other personal consumer reports

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 UPDATED. 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. 
XXXX XXXX XXXX : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

03 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Experian Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX   XXXX XXXX  XXXX Account XXXX XXXX  XXXX   XXXX XX/XX/XXXX XXXX  : XXXX Account Name : XXXX  XXXX  XXXX  account number # XXXX dated open XXXX/XXXX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX  XXXX   XXXX XX/XX/XXXX XXXX  File Number:XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX   XXXX  XXXX  ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX  XXXX  XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX  XXXX   XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX  XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA 30809-XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA 30043-XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX  XXXX, GA XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXMULTIFAMILY ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not successful
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, after which I may request an extension of the block. During this period, you may not report or reinstate any fraudulent information on my credit report. 

I have contacted the credit bureau multiple times to report these fraudulent accounts, yet no resolution has been provided. This issue has significantly impacted me, especially as I am in the process of acquiring a home for my children. Additionally, these collections were removed and not verified by other bureaus, which raises concerns about the inconsistent handling of these accounts. 

I have also requested contracts from the company reporting these accounts to verify my information, but after more than 60 days, I have received no response. I urge you to take immediate action to remove these accounts. Attached is my FTC Report for further reference.
Product: Credit reporting or other personal consumer reports

Experian is reporting incorrect and untrue information on my credit report and will not fix it.
Product: Credit reporting or other personal consumer reports

I received a debt notice dated XX/XX/year> in re : transactions that were not made by me. I never gave written consent to XXXX XXXX XXXX, XXXX XXXX XXXX, nor XXXX XXXX to report or furnish my information on my consumer report or any other entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters requesting that unauthorized inquiries be removed from my credit report. I sent one this month as well as last month the month before and they refused to remove inquiries they were not authorized by me and it's causing negative impact on my credit report.
Product: Mortgage

I read about the Wells Fargo lawsuit and I had a loan with them for 15 or more years. I was not sure if I qualified for part of the settlement.