23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX  Mohela student loan servicer withdrew {$2300.00} from my account. I am on an income driven repayment plan, I have an autopay set up to pay my recurrent monthly payment of {$94.00} on the XXXX  of the month. The {$94.00} was appropriately deducted the last few months, until the sudden large charge appeared yesterday. 

After speaking with customer service, I was told that the large charge was taken out because I did not recertify/renew my income driven repayment plan application in time ( even though the website states I have until XX/XX/XXXX   to renew my information for the new year ). This charge was the total payoff amount for one of my student loans ; I did NOT ever indicate that I wanted to pay this loan off in full, but it was still deducted from my checking account as an automatic payment. Mohela is unable to explain why this happened, and can not immediately refund the amount. Mohela says they have submitted a request for refund, but Mohela says must receive the refund from the Department of Treasury before they can refund the money to me. I was told this will take up to 60 days. 

They have taken over {$2300.00} from my account for no apparent reason, overdrafted my account and left me unable to pay other bills, and can not refund the error in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month I take out a {$250.00} payday loan from XXXX XXXX XXXX. Its oaid off in time every month. This time I receive an email saying my loan is soon due and if you want for a special promotion you can convert the payday loan into an installment loan ( first uploaded image ). So I click the link in the email to see what they are offering. I reach a page ( the second uploaded image ) that shows my loan information and a box that states Get Started in big letters with smaller print stating get the funds you need you are now eligible for an installment loan. See how much you can receive I wanted to see what the offer was even though I knew it would be a rip off. So as soon as I click the link the web page now takes forever to load but once it does it shows the loan details to which I just close my browser. Later that day I receive a hard inquiry alert from Axcess Financial on my XXXX. Ive contacted them 4-5 times the first three were just customer representatives saying the same thing over. The others tried to show me how I accepted the inquiry but the websites they displayed I never visited. This computer is a predatory company but I have to already give them {$50.00} every month just to roll over me {$250.00} payday loan.
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 my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX 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. 
To following information on my credit report is the result of identity theft and should be blocked : .XXXX XXXX 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, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

today they called my husbands cell phone number and hes not on my credit card information, nor they canr explain how they got the number. After that they called my sister in law for whom i dont even know her number. I have o contact with my sister in law. The only number they are allowed to call me on is my house number. I '' am aware of the money I owe and they treanted me on the phone.
Product: Credit reporting or other personal consumer reports

I have checked my credit report and I have discovered fraudulent accounts on it XXXX opened on XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX are fraudulent accounts.
Product: Credit card or prepaid card

On XX/XX/XXXX i received a Fraud alert from Penfed credit union saying there were couple of unauthorized charges on my credit card. After reviewing those charges i immediately called penfed fraud department and confirmed that i never used my card and reported those fraudulent charges. 
They immediately cancelled the compromised card which was ending with XXXX and issued me a new card ending in XXXX. 

I received the statement soon after which showed those charges and credits but also 'cash advance ' fee on those charges. I thought it must be a mistake that they charged those cash advance fee on those fraud charges which may reverse in my next statement, so i patiently waited for it all to correct and reflect just the balance transfer i had. 

today i received a letter from penfed credit union saying that they concluded the fraud investigation and determined that those fraud charges were valid! and are reversing the temporary credits on my account! 
How shocking that they just assumed that those fraud charges were valid even though i never used that card for ANY purchases in a year since it has a balance transfer on it, and i am aware how detrimental it would be use the card with balance transfer for any purchase since the banks love to slap interest and cash advance fees on the purchases. secondly the card was used on some place or site called XXXX ' which i have never been associated with in anyway, was hearing of it for the first time. I am shocked that this is the way penfed takes care of its long standing customers. 

When i saw the letter i immediately called the number on the back of the card, after confirming details they transferred me to Fraud department, where the lady told me call the number on the letter. I called the number on the letter i received and it went to voice mail asking me to leave the my phone number and details. I am so disappointed that there is no one responsible who attends to the disputes of the customer, especially after altering first via fraud message. It seems like this case was not investigated at all and an auto letter was generated. I can not believe any human being who would investigate consider these fraud charges as valid even after customer reported it after receiving fraud alert. Very very disappointed. 

I am attaching both old card and new card statements with this along with the screenshot of fraud alert message. 
Since they told me to destroy the old card as soon as i receive the new card, i destroyed the old card, so all i have is the last 4 number of the old card, whcih is XXXX. This was the card on which fraud was commited. 

I am giving the the new replacement card ending in XXXX for reference since it has the cash advance fee charged on those fraud charges, also shows the two fraud charges. 

I want penfed to remove these fraudlent charges from my NEXT statement and reverse the cash advance fee they have charged unfairly on those fraud charges.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries that is reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a loyal XXXX customer for decades, including XXXX mortgages, credit cards, and multiple business and personal accounts. I had a credit card with XXXX  which i hadn't used in years. Apparently a small charge appeared on it and auto-pay was not on. I never received a statement electronically or by mail. 

Having not used the card in years, i didn't think to check the balance and in fact assumed that i had auto-pay set, just like i do for every other card or bill. I found out later that XXXX makes it extremely hard and confusing to set up auto-pay, whether on purpose or not i don't know ( i had to call and have someone walk me through all the incredibly obscure steps ). 

The charge become delinquent by 30 days before i noticed. This was reported to the credit agencies and this one anomaly caused my credit to decline by XXXX points. I am currently in the process of trying to buy a new home for my family and this reduction in XXXX XXXX could literally be the difference in whether i can afford a mortgage. I appealed to XXXX and explained this but was rejected. 

It seems impossible to me that something so XXXX as a slightly late payment on a random XXXX $ charge, caused by a horribly designed interface that hides options unless you first go through XXXX other unrelated selections, is going to ruin my credit and prevent me from getting a mortgage for YEARS. there has to be a way! i've tried to appeal the decision to XXXX but they wouldn't even file a new request.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$1800.00} that appears related to the aforementioned personal loan account opened at 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2017 Amount : {$38000.00} Action Taken : Asking for application on file for the alleged debt and authentic contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lost the credit report information of approximately 143 million US citizens. This breach occurred in " mid-XX/XX/XXXX ''. Equifax only learned of the breach on " XX/XX/XXXX of this year ''. Furthermore, the public was only notified of this breach on " XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. '' This is problem of the most extreme magnitude and highlights several key points : 1. Equifax does not have a grasp of the key components required in maintaining secret financial data. 
2. It required several months ( from XX/XX/XXXX) to even become aware of any issue in their systems. 
3. Even after discovering the breach Equifax took another 5 weeks to notify the public of their problems. 

Equifax has demonstrated it is not capable of the required technical rigor which is a necessity to maintain my financial information.
Product: Checking or savings account

My XXXX stimulus was deposited in my Chime bank or spending account.. And Chime bank sent my XXXX to a unknown person that was not me ..They let this person change my email address that was on account to XXXX I don't know or see how the would verify this person as me they would seem to have to have photo or this person stating they were me? In order to transfer to this person 's XXXX pay... when I contact them they closed my account and blocked my phonecalls and will not have anything to do with me.. this was XXXXXXXXive emailed them and trying to explain that they sent my XXXX to fraudulent person..I just got so depressed and gave up. BUT I JUST CANT LET THIS GO ..SOMEONE HAS EITHER STOLE MY INDENTY I DONT KNOW ..PLEASE HELP ME..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is reflecting on my credit report that is duplicated and I have requested from the credit bureaus to dispute the account. This account is being reported by XXXX XXXX XXXXXXXX XXXX from an apartment complex. But it shows two separate accounts reporting on Experian with different acct numbers, different balances, different open dates and so on. This information is not reporting legally and it is not mine. Experian has failed to provide documentation that shows that this acct is mine. I want the assistance in removing this account from reporting on my credit report. I am actively trying to purchase a home and this is affecting my ability to do so. It is also affecting my credit score.
Product: Consumer Loan

Ally Financial is reporting our car loan as 30 days delinquent for XXXX 2015 ; this is an error as we bought a new vehicle during this period of time and refinanced this loan as part of the new vehicle loan ; the approval for the new loan extended beyond the due date for the old loan, but, of course we did not pay because the new financing was still in the approval process ; we were informed by an agent at Ally Financial that this would NOT affect our credit ; however, we now find that Ally Financial is reporting to both my husband and my credit report that we were 30 days late on the old loan for XXXX 2015, in spite of what they previously told us! 
We have disputed this erroneous reporting both with the credit reporting agencies and directly with Ally Financial and Ally Financial arrogantly refuses to change it ; this erroneous reporting is hurting our credit but Ally Financial obviously does not care! We have been approved for the new car loan and have faithfully made our payments ; further, we have been faithful customers of Ally Financial for some time and have consistently made our payments on time.
Product: Debt collection

There was no listing for OTHER on the last question. They reported to credit reports that I was XXXX. They sent a letter to The XXXX  of XXXX XXXX with condolences for my XXXX  but, bill was still due. This company had to stoop to such a fraudulent level to try to collect {$900.00} or so bucks. Sadly, XXXX nor any of the others asked for any proof of XXXX. I thought the letter was a scam because there's nothing saying I'm XXXX  so, how is a collector allowed to just make such a thing up just to force someone to contact the. I had to make numerous calls to XXXX to get it off my credit as I was wondering why I couldn't get a XXXX score. Looks like they don't give XXXX  people XXXX  scores and the account is flagged as well as if someone is doing something illegal. So, this company has caused me a lot of problems. Why is nobody asking them for proof when they list people as XXXX. Perhaps CFPB should look into how many others they've done this to and consider a class action. This behavior is fraudulent. I'd like for them to pay me for the problems they caused me as I'm sure their bill would be over the {$900.00} they used their underhanded tactics to secure payment for XXXX XXXX.
Product: Credit reporting

I continue to be harassed by XXXX XXXX. They are still attempting to collect a debt ( shown as open collection on my report ) despite numerous disputes. At last they sold the account to XXXX, XXXX XXXX XXXX XXXX when they/I requested information to prove the collections was legitimate the recalled the account from XXXX, XXXX XXXX. instead of providing proof. The account was closed by XXXX XXXX XXXX, 2006 after I paid a court mandated judgment. Somehow XXXX had reopened the account and I paid on the so called debt further due to the harassment. I have contacted XXXX both in letter and by phone, notified all credit agencies and the " collection '' still shows active on my report. Please let me know how this can be removed once and for all ... .I do not owe this debt!?
Product: Checking or savings account

Opened Td Bank Premier Checking account XX/XX/XXXX using link that advertised {$300.00} bonus. Followed all terms and didnt receive bonus. Contacted customer service on XX/XX/XXXX and they said I should receive the deposit by XX/XX/XXXX. Did not receive. Called customer service and was told they would look into it. Had to call multiple times and was first told I would have been only able to signup with a flyer ( false ). Then told I didnt sign up during a signup period ( which is false ). Every time I talked to someone I got a different reason why. On a side note, my boyfriend and I signed up at the exact same time using the same generic XXXX link and he received his bonus no problem.
Product: Debt collection

Company failed to provide proof of debt after several failed written attempts. Under the law if they can not verify they must delete. They have failed to respond to my several written request requesting validation of the alleged debt.
Product: Student loan

TO WHOM IT MAY CONCERN, I AM CONTACTING YOU REGARDING A COMPLAINT I WANT TO MAKE REGARDING MY STUDENT LOAN PROVIDER. I AM AT A LOST FOR WORDS RIGHT NOW SINCE I WONT BE ABLE TO EVEN PAY MY RENT FOR MY CHILD AND ME TO LIVE WHERE WE LIVE NO LONGER SINCE I JUST MADE A {$210.00} PAYMENT TO SHOW NELNET MY INTENT TO PAY WHICH WAS MONEY NEEDED TO PAY FOR MY RENT ON FRIDAY. I HAVE BEEN DEALT A HAND THAT I CAN NOT CONTROL MOST RECENTLY WITH THE LOST OF MY MOTHER WHICH BILLS STILL HAVE TO BE PAID THAT I AM PAYING STILL. I HAVE ATTEMPTED TO WORK WITH NELNET. I SENT RECENTLY OVER THE LAST FEW WEEKS DOCUMENTATION THAT MY JOB WAS SENDING ME TO THE XXXX CLASS AT XXXX XXXX UNIVERSITY XXXX. MY JOB SENT US AN OFFICIAL LETTER WHICH I SENT TO NELNET SINCE I NEED THE DEFERMENT WHICH WILL ALLOW ME TO GET BACK ON MY FEET. THEY HAVE NOT PROCESSED MY REQUEST AND HAVE NOT AT ANY TIME REACHED OUT TO ME VIA MAIL SINCE I HAVE NO OTHER FORMS OF COMMUNICATION. THEY HARASSED ME SO BAD SEVERAL YEARS AGO AT MY JOB THAT I ALMOST GOT FIRED. FOR THE LAST 2 MONTHS I HAVE MADE 2 PAYMENTS IN THE AMOUNT OF {$210.00} WHICH HAS PLACED ME IN A SITUATION TO NOT BE ABLE TO PAY MY RENT SINCE NELNET HAS NOT COMMUNICATED WITH ME AT ALL VIA MAIL AS REQUESTED OF THE LAST FEW YEARS. I AM TRYING TO GET THEM TO APPROVE MY DEFERMENT SO I CAN HAVE SOME HOPE OF MOVING FORWARD BUT THIS HAS NOT OCCURRED. AT THIS POINT, MY FAMILY FRIEND HAS DECIDED TO REPRESENT ME IF NEEDED WITH A COURT CASE SINCE NELNET HAS IGNORED ME EVEN AFTER I SENT OVER XXXX EMAILS TO THEM OVER THE LAST FEW DAYS. I GOT XXXX EMAIL FROM STAFF INDICATING THEY HAD TALKED TO ME WHEN I HAVE NO CELL PHONE FOR THEM TO CALL ME. I USE A FRIEND 'S CELL WHEN NEEDED 1 TIME PER WEEK. I HAVE ALSO ADVISED NELNET THAT MY PAYMENT LIMITATION IS {$150.00} NO MORE THAN {$160.00} ONCE MY DEFERMENT FOR THE 2 YEARS I WILL BE TAKING CLASSES FOR THE XXXX COURSE AT XXXX. I HAVE ASKED FOR NELNET TO HELP ME, HELP ME HOWEVER NO RESPONSE BUT XXXX EMAIL. THIS IS MY FINAL PLEA VIA A COMPLAINT TO THE CFPB AND XXXX REGARDING MY DETAILED HISTORY OF ISSUES WITH NEEDING HELP FROM NELNET. I NEED AND YOU WOULD THINK NELNET WOULD GIVE ME DETAILS SINCE I WORK FOR THE STATE OF FLORIDA OVER 17 YEARS INFORMATION REGARDING THE FORGIVENESS PROGRAM FOR STATE EMPLOYEES. IAM VERY UPSET ABOUT THIS ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX company reported XXXX XXXX Mortgage past due to Equifax, XXXX and XXXX  for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XXXX XXXX, 2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by XXXX XXXXo XXXX XXXX XXXX. Please see attached document. XXXX has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and caused denial on mortgae request, refinancing on loans and credit application for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, XXXX, and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX OF XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft repeatedly since I lost my wallet and documents some years and and again last year. Accounts have been opened in my name and paid in full sometimes. Ive filed police reports and this is the ONLY NEGATIVE ON MY ACCOUNT AFFIRM XXXX days late on XXXX only I would like these negative accounts on XXXX removed XXXX XXXX XXXX XXXX accounts XXXX accounts removed