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

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, XXXX, and Equifax Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX MO ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX F XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Student loan

In XX/XX/XXXX, then President Bush signed into law a provision for the cancellation of federal student loans for XXXX XXXX XXXX   who made payments on time for ten years. I did everything I was supposed to do for that ten-year period and have continued to do so in order to take part in this loan cancellation program I am entitled to. In XX/XX/XXXX, I contacted Navient to have my student loans canceled. I was told I didn't have the correct loan so they would need to re-finance under a different loan and I would have to make payments for another ten years in order to take part in this. Since that time, they have taken as much as {$480.00} in one months ' interest. Their interest payments vary from month-to-month but are usually somewhere between {$150.00} and {$200.00} every month. The reason they want me to continue making payments is obvious. They are getting rich off of exorbitant interest payments. It's obviously in their financial interest not to honor the loan cancellation program. I know that several lawsuits have been filed over this already and rightfully so. Hopefully, you will be able to make this right.
Product: Credit reporting

I am filing this complaint because Transunion has ingnored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to '' promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. thank you
Product: Student loan

Hello Consumer Financial Protection Bureau, I hope you 're doing well and thanks for all you do. However, please help me! Nelnet ( with its sky high interest rates already ) is doing everything it can to get even more out of me. Specifically, I have three groups of student loans - A, B & C. Groups A & B have higher interest rates ( 6.550 %! ) ; Group C is somewhat lower ( 6.160 % ). 

I 've done what I can though to get these lower rates, down from the original ones, which were even higher ( basically 7 % ). Namely, I 've signed-up for direct deposit and automatic payments. Researching Nelnet further, I determined after my minimum payment, I could actually put the rest of my payment, exclusively, toward the higher interest rate Groups, A & B. Doing so, put approximately an extra {$150.00} of my $ XXXX payment toward my principal ( making it a great option for me )! 

However, Nelnet appears to not like me paying-down my account in this way. Thus, instead of applying my directed payment toward the two high interest groups ; instead, Nelnet keeps, accidentally, putting half of my payment toward the lower interest group ( C ). This means about an extra 14 % /month ( of my monthly payment ) goes to Nelnet as interest, instead of toward my principal. I 've called-in for several months now to get this corrected, and I 'm told -each time- it was a one-time mistake and will never happen again. Yet it just did, again, with this month 's payment. Am I the only one? It 's unlikely. I would really appreciate your help in fixing this matter ( or Nelnet all together ). 

Most appreciated. 



XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone has gain access to my personal information, And has been applying for different Bank requesting auto loans.I have XXXX inquiries on my transunion profile and XXXX inquiries on my XXXX account that does not belong to me.i will list them below. 
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 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 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

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI Late Payments from XXXX
Product: Debt collection

Second Round collection account on my credit reports I have disputed on several occasions. Secound Round collections account.. I do not have an corresponding account number referencing a corresponding number on my credit reports, as this account does not belong to me. I have disputed and spoken with the credit bureaus trying to resolve this problem to no avail. The account number nor the amounts from the collection agencies correspond with any debt listed on my report.
Product: Mortgage

Greentree Mortgage Servicing, I originally had my mortgage with G.M.A.C. Greentree took it over and it 's been a nightmare ever since. I get behind and they wo n't accept my payments. Yesterday I tried for several hours and got stonewalled, insulted, treated horribly, they even threatened to liquidate my home out from under me. I also get ripped off by their {$12.00} speedpay to pay over the phone. I attempted to pay {$1100.00} that would be XXXX Mortgage payments and they flatly refused to accept it. Their word was unacceptable. They wanted {$1500.00}. I received a letter from them that stated they would accept that if paid in 30 days. I told them this on the phone and she /they said to bad we want more. I struggled to get that paid within the time allotted. They said they were their to help me which I knew was XXXX. They wanted a loan modification. Being as I 'm not stupid and they would screw me either way I sent a {$1100.00} to their South Dakota address after being told by another XXXX of their lying reps to send it to a XXXX address. I said to him that 's not going to happen and hung up. I sent the check to a post office box with a return receipt requested. The young lady at the post office stated they put a notice in their ( greentrees ) P.O. box and they have to sign for it right there. It cost me {$19.00} to do that. It would have cost {$45.00} to Fed Ex the check overnight. They will now have it on the XXXX which technically is past my 30 days to pay per the letter I received. I tried repeatedly to pay what they requested over the phone on the XXXX and they said too bad. That 's the way it is. The female actually said to me the first one to hang up loses. I put the phone down and walked away. I came back shortly just to find her still on the line. What kind of company are these people. I now threaten them in return. I totally understand why people snap. I want to go to a Greentree Building and do just that. The sleep I 've lost. The stress they have caused me and they do n't care. I 've had enough. Help! XXXX XXXX
Product: Debt collection

XXXX XXXX NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2700.00} Amount {$2700.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ( XXXX ) XXXX The debt owed to XXXXXXXX XXXX XXXXXXXX was mistakenly attributed to me due to a mix-up with another XXXX XXXX in XXXX XXXX XXXX Our similar names, close social security numbers, and birthdays caused confusion. I applied to live at XXXX in XXXX or XXXX and believe they mistakenly associated my information with hers. I have screenshots of messages from the other XXXX XXXX confirming the debt is hers, and her address is near mine. I reported this to my local police department and have a case number. Despite emailing National Credit Systems Inc. 's disputes department, I have not received a response. This debt is not mine, but rather belongs to the other XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section 602A states I have the right to privacy 15 A.S.C. 1681 section 604A section 2 It also states A consumer reporting agency Can not furnish a Account without my writing instructions. 



In according with the fair credit reporting act convergent accounts listed under XXXX has violated my rights XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under trans union has violated my rights Trans union XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 6 late payments during Covid )
Product: Credit reporting or other personal consumer reports

Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account.

Account Type : Home Equity Creditors Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint again Cash App/Block Inc due to the inadequate customer service & unfair practices which violate the CFPA. Cash App failed to prevent address fraud on their platform and protect my personal information. The dispute/resolution process was unfair and deceptive. My account was compromised and money taken from my account, I submitted several tickets and they all went ignored. They did not comply with the EFTA & Regulation E. This has caused an inconvenience and financial loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 
13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

Contacted Santander Consumer Finance on XX/XX/18. Notified them of duplicate payment. was told to fax over bank info showing duplicate payment. Faxed over. Was told id have my payment back in 48 hours, XX/XX/18. Contacted them again in 48 hours, XX/XX/18. was told they hadnt looked into it yet. Contacted them again XX/XX/2018. Still no answer. Contacted them again XX/XX/2018. Told me the bank statement showed payments pending even though they had already recieved. Was told to re-fax statement. Refaxed new statement XX/XX/2018. Was told i would have an answer in 48hours. Contacted them XX/XX/2018. Still no answer. Contacted them XX/XX/18 was told the fax was recieved but no answer on payment. Contacted them XX/XX/18 and they are now saying they didnt recieve fax. Also saying no other way to send bank info or any quicker way. DOnt seem to want to return duplicate payment.
Product: Debt collection

I have received a collection on my credit report from LVNV Funding LLC. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$640.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. I dont even have an account open with this credit card company so please remove it from my account. It is not mine nor anybody i am associated with. I have tried once before with this credit collection agency and it still shows as a collection on my credit report. I do not owe any money. Please remove this off of my credit report once and for all. This company is reporting inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of these documents and such account because i know for a fact i do not owe. I do not have a contract with LVNV funding LLC.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

AFTER APPLYING FOR A LINE OF CREDIT AND/OR PERSONAL LOAN MY INFORMATION WAS SHARED ACROSS THE BOARD TO SEVERAL OTHER AGENCIES WITHOUT MY AUTHORIZATION OR PERMISSION AND I HAVE BEEN BOMBARDED BY OFFERS AN EMAIL AND GUARANTEES WHICH HAVE ALL TURNED OUT TO BE FALSE AND UNTRUE AND HAS BROUGHT DOWN MY CREDIT SCORE TREMENDOUSLY. COMPANY NAMES I HAVE PROVIDED IN SCREENSHOTS AND UPLOADED FILES. I HAVE NO OPEN ACCOUNTS WITH ANY OF THESE COMPANIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have not gotten an update report since XX/XX/XXXX. 
I also notice on my report that there is inaccurate information on there not needs to be fixed ASAP. I have even the credit agencies notice and they have not fixed anything. 
this is effecting my job status as well as my home buying progress. I need help ASAP. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX ACCOUNTS : XXXX AND XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXXXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX {$910.00} XX/XX/XXXXXXXX  DEPT OF EDUCATION XXXX {$0.00} XX/XX/XXXX
Product: Checking or savings account

Chase Bank refuses to state they will not process a Authorized Transaction. They generate a XXXX which states I refused to authorize. The transition never reaches the-bank from the clearing house so they never see it and the vendor is denied payment. I am charged fees and sufferer threats repossession and worse. This is all predicated on their Stop Payment system which in my opinion is broken! I m forced to pay with Debit~ORIG CO NAME : XXXX XXXX XXXX  XXXX XXXX : PAYMENTS SEC : XXXX XXXX XXXX ACH debit {$260.00} This bank absolutely refuses to assist although XXXX has investigated through them and the clearing house and the XXXX is a igit error generated by Chase. Opinion incapability at its max!
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX, I received a collection notice from a debt collector on behalf of PayPal Inc. for the amount of {$340.00} I have since submitted documents on XX/XX/XXXX via email and by mail according to the instructions provided by the collector to deny the claim subjected by PayPal Inc . 

History : I made a purchase online with a payment going through Paypal for the amount of {$340.00} back in XX/XX/XXXX. Within days, the merchant requested to cancel the order due to no inventory. I then called both PayPal and my XXXX XXXX to dispute the transaction to request for refund on XX/XX/XXXX and a temporary refund was made. On XX/XX/XXXX, I received an official notice from XXXX that the dispute has been settled and the refund I received on XX/XX/XXXX is now permanent. 

Some time in XXXX XXXX, I discovered that my PayPal account ( not my XXXX XXXX XXXX has XXXX debit balance of {$340.00} I then called PayPal at least 3 times but to no avail and without help they simply disregard this issue and even claiming that I was not supposed to call XXXX XXXX because it creates duplicate refund. I called XXXX XXXX and ran through all my statements to ensure I only received the refund amount once. The only reason I called XXXX XXXX is because my PayPal account is linked with XXXX XXXX card. PayPal representatives do not treat the consumers as their customers and their call centers are in XXXX and even told me that their clients are the merchants.
Product: Credit reporting or other personal consumer reports

I am writing to bring a serious issue to your attention concerning my consumer credit report. I recently obtained a copy of my credit report and discovered an unauthorized account listed under the name " XXXX XXXX '' with Account Number ending in XXXX, a Reported Date Opened as XX/XX/2019, and a Reported Balance of {$290.00}. I have no knowledge of this account, and I did not authorize anyone to open it in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX to date I have written XXXX letters to XXXX XXXX and XXXX letters to Experian, XXXX XXXX and XXXX. Copy of XXXX attached. 

XXXX XXXX, Experian, XXXX XXXX, and XXXX are reporting XXXX items which I believe are false. 

Item XXXX is showing a XXXX  day late on my XXXXXXXX XXXX mortgage for XX/XX/XXXX. I have asked for the records or the removal XXXX  times. Each time I get the same response from the credit bureaus. They claim the past due was verified but I have receiving nothing from XXXX XXXX supporting that claim. The mortgage was in forbearance for covid and should not have been reported late. I would like this removed from all three credit reporting agencies. 

Item XXXX is the balance of my mortgage. The credit reporting companies show I owe a balance of {$630000.00}. The monthy mortage statement shows a much lower balance of {$580000.00}. I have written to XXXXXXXX XXXX XXXX times with no reponse. I have written to all credit agencies but they continue to report the incorrect amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX  equifax, has violated my right. 

15 USC 1681 section 602 A 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 instruction.

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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX