23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX merged with XXXX in XX/XX/2017, and now I cant log on to pay my student loans or even contact them. I tried logging in to pay, and it kept saying the action was unavailable at the time. When I tried contacting them via the Contact Us form, it requested my SSN and then said I did not have an account with them. When I tried to register again, it said I have an account! I have been unable to speak with a representative to resolve this matter. I have been dealing with this issue for over a year and haven't had any luck. Also, I have moved since then, so my address has changed so I haven't been receiving any statements. ( I can not change my address because I can not log on to my account or contact a representative. ) Im at a loss of what to do.
Product: Credit reporting or other personal consumer reports

These inquiries are not associated with me, and I am not connected to the mentioned creditors.
Product: Debt collection

An account manager named XXXX from Gatestone ( XXXX ), has called my workplace multiple times harassing me at work. This is inappropriate, unprofessional, and illegal and I would like it stopped. I spoke with XXXX today on XX/XX/13 and asked her to stop but I would like further confirmation that she will not be calling theXX/XX/XXXXthat I work at. These attempts are to collect XXXX. I am in the process of dealing with a lawyer but before we can begin I am requesting the collections to not call my workplace.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft back in XXXX, I started to see credit cards, student loans, and auto loans on my profile. I asked the school and XXXX to investigate to have this remove due to my police report and identity theft affidavit but every time they keep transferring this account to different different depart and not removing the account. 

Last they agreed to remove the but for some reason they contact me and said the account being service through a new company even though its a fraudulent account. So i need your need your help cause they trying put a debt in my name that is not mines. 

on my credit file its showing XXXX student loans, XXXX : XXXX Account # : XXXX Open XX/XX/year> Balance {$1400.00} : XXXX Account # : XXXX Open XX/XX/year> Balance : {$1800.00}. All account has interest with late payment which is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a direct dispute against the newly updated information appearing on my credit report for Equifax. I am demanding a human investigation into an incorrect, inaccurate, and unauthorized account appearing on my credit report as a Collection and the only Collection I have appearing on my credit report being reported by Equifax as a Collection account with the creditor as XXXX XXXX XXXX and XXXX XXXX as the original creditor. Never did I initiate any contractual agreement with XXXX XXXX for insurance. I have contacted XXXX XXXX several times and informed them that I never had a contract with them. XXXX XXXX has failed to provide me with any such contract or records that I opened any insurance account with them! I am a XXXX XXXX XXXX XXXX and all my Insurance is with only XXXX XXXX by choice and has been for well over 30 years! My entire family is with XXXX XXXX and NOT XXXX XXXX. I never purchased insurance from XXXX XXXX. I have consistently informed XXXX XXXX XXXX that I do not owe any debt to XXXX XXXX because I never opened an account for any insurance services with XXXX XXXX! Further, XXXX XXXX XXXX failed to validate this alleged debt owed through a contractual agreement! They refuse to show me any such contract exists. As I have repeatedly informed eariler, I have insurance with only XXXX XXXX as a XXXX XXXX XXXX XXXX! This is a final demand to Equifax to investigate this matter and immediately remove this incorrect, inaccurate, and unauthorized account from my credit report. I demand Equifax provide me with a contract agreement containing my full signature for an account with XXXX XXXX for XXXX XXXX XXXX to be able to collect on a debt against me. Equifax refuses to show how this account was validated. Pursuant to violations of 15 U.S.C. 1681g, Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 6 ), 15 U.S.C. 1692g, and FDCPA Section 809 ( a ) I am demanding this Collection be removed from my credit report.I am well prepared to work with XXXX XXXX to seek legal assistance because this Collection caused me to be denied a loan and take legal action against all parties known as Equifax, XXXX XXXX XXXX, and XXXX XXXX! This is illegal and unjust!
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX  Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX  Balance Owed : {$65.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX  Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$29000.00}
Product: Checking or savings account

Hello good afternoon I informing you today because my debit card was stolen on the XXXX of XXXX in New York I wasnt aware until the following of the next day when I saw transactions on my statements there was XXXX invalid checks that I did not put on my account XXXX for XXXX and XXXX for XXXX. Plus a hold on my card I immediately called Wells Fargo and made a claim of fraud. I just want this problem fixed I am a college student at XXXX XXXX and I cant afford any problems I need to get my degree thank you for your time and I hope you guys get this problem fixed soon
Product: Credit reporting or other personal consumer reports

Per the Family Educational Rights and Privacy Act of 1974 and the Privacy Act of 1974 Nelnet and the Department of Education are in violation of my rights to privacy by reporting nonpublic personal information without my permission or consent. I demand immediate deletion of this data and formally opt out of any furthering reporting of this information per 15 U.S. Code 6802 and 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ). 

I have attached my credit reports in this formal complaint to prove that Nelnet and the Department of Education are violating my rights to privacy by furnishing my nonpublic personal information to XXXX, XXXX, and XXXX without my written consent.
Product: Debt collection

I had an account with XXXX XXXX in XXXX of 2022. I canceled it the following week because I couldn't receive service. I Called them to see how to return devices was told I could not return because it was financed through synchrony bank. Was told I would get XXXX more bills which I got in XXXX and XXXX. Received a noticed balance was paid in full and they owed me {$29.00} refund. Well didn't receive a bill or email and they charged my account {$490.00} on XX/XX/XXXX. Called customer service several times and just getting these generated answers. No one can tell me when I received this bill. Asked to speak with a supervisor several times and received generated emails back. They do not have a supervisor that can speak over the phone. When called back they said I did not get a bill because it's on their website. I couldn't use their site since I canceled my service in XXXX.
Product: Credit card

I 've continued to have multiple issues with Citi and their XXXX Card. They charged me multiple fees for a glitch in their mobile app, then it took me nearly two months to even get a response regarding my complaint. The charges totaled {$120.00}. After continuing to get no assistance, I was finally able to speak to a person claiming to be a manager. She told me all of the charges would be reversed, however only {$75.00} was reversed, the other {$50.00} remained. Now I 'm having yet another, but different issue. I paid my bill in full with the understanding that the amount I was given {$1000.00}, would clear and close my account completely. Four days later they charged me {$19.00}. I understand how interest is charged, I 'm a XXXX for a local XXXX XXXX office. However, that charge should have been reflected or at least mentioned when I made the payment. Nowhere did it state any of this information so that I could completely pay it and be done with the continued issue of Citi being dishonest. I even contacted their customer services and was told there was nothing they or I could do and that I just had to pay it. They said there was no way to file a complaint or get the charge reversed.
Product: Checking or savings account

As of today, 3 fraudulent " XXXX '' checking accounts have been opened in my name with Bank of America ( BoA ), with a fourth account still pending today ( XX/XX/XXXX ). The dates of the incidents were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was alerted to these accounts because the scammers used my personal email address, where I received notifications about the account application process. 

For each account, I contacted BoA fraud services to close the accounts at XXXX. No money was ever deposited in these accounts. All emails were also forwarded to XXXX. Four claims were filed with the following claim numbers : XXXX, XXXX, XXXX and XXXX. After the initial attempt on XX/XX/XXXX I went through the recommended identity theft protection steps including freezing my credit with all agencies, implementing a 1 year fraud alert, freezing my XXXX profile, changing all passwords and using XXXX. I have also filed FTC reports ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ), and submitted a complaint with the SSA OIG ( XX/XX/XXXX ). Despite these measures, as well as assurances from BoA that all future accounts opened with my SSN would be flagged and denied following my XX/XX/XXXX claim, two applications were approved ( XX/XX/XXXX and XX/XX/XXXX ) and one is still pending. If BoA was truly implementing security measures ( ie utilizing XXXX, checking their own supposed fraud flagging system ), any of the security actions I took should have stopped the new applications in their tracks. 

I requested information about my claim be mailed to me at my home address after the XX/XX/XXXX attempt, and was told that an investigation would be opened once I filled out the information requested in the BoA forms. As of today I have received nothing from Bank of America, despite a representative today assuring me that forms *were* sent out for the first claim. I have spoken many times with BoA fraud as well as in person at a local BoA branch, received multiple assurances, yet continue to experience fraudulent account openings, and have no evidence of any fraud investigation actually being conducted by BoA. 

A quick search online shows that I am not alone in experiencing recent fraudulent XXXX account openings with BoA in recent months, with a particular uptick in activity within the past month ( for example, see XXXX ). Online discussions show that other victims are also experiencing account openings *despite* implementing recommended security measures. This is particularly egregious given recent news articles about BoA experiencing higher than expected profits due in *particular* to increased deposits and checking account openings. Overall, there is clearly some of kind of systematic abuse, or security flaw within BoA that needs to be investigated and addressed.
Product: Mortgage

Overview : Chase is my loan servicer, but not my escrow company. Chase chose to pay my property tax bill without contacting my escrow company, who had already paid the bill. Now Chase has overpaid my property tax bill. I contacted Chase as soon as I received the notification of a {$500.00} increase in payment and notified them of their mistake in XXXX. I was assured this would be resolved before XXXX when the increase of {$500.00} per month would be applied to our payment. In mid XXXX nothing had been done and I reached out again. After some digging I found out Chase hadn't done anything to resolve the issue. After my call they finally contacted the county for a refund, but it will not go out now until XX/XX/XXXX. Chase has informed me I may now be expected to pay that increased payment for 3 or more months. 

They offered an odd solution of partial payment that concerns me and as of today my case officer, XXXX, ext XXXX, is no longer answering to even assist with this solution. 

Timeline : XX/XX/XXXX - Chase bank took over servicing our loan. 
XX/XX/XXXX - property tax bill was sent XX/XX/XXXX XXXX XXXX our escrow company pays the balance in full XX/XX/XXXX - Chase bank pays the tax bill as wall XX/XX/XXXX- I am notified my payment will be increased by {$500.00} a month because of this over payment XX/XX/XXXX - I contact Chase of their mistake. 
XX/XX/XXXX - I receive notification from Chase that our county has notified them over the over payment XX/XX/XXXX - XXXX still hasn't been resolved and I contact Chase. 
XX/XX/XXXX - I am told I can do a partial payment but that the payment will not be adjusted to the correct amount. 
XX/XX/XXXX - I contact my county payment department and am told Chase didn't request a refund until the day prior and payments only go out on the XXXX of month. 
XX/XX/XXXX - Multiple calls with Chase no longer account for the agreed to payment. 
XX/XX/XXXX - stopped contacting chase and filed complaint.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against PennyMac Mortgage Services for failing to disclose that my decision to enter a repayment agreement after forbearance would result in late payment reporting on my credit. My forbearance period lasted from XX/XX/XXXX to XX/XX/XXXX, and I was never informed of the credit reporting implications during multiple calls on XX/XX/XXXX and XXXX. Additionally, I was told an extension was unavailable, yet later PennyMac 's records falsely stated I was offered one contingent on providing a contractor bid. 

This misleading information has caused financial harm, credit damage, and emotional distress. PennyMac 's actions violate the Fair Credit Reporting Act ( FCRA ) by failing to provide timely disclosure, furnishing inaccurate information, and neglecting a reasonable investigation into my dispute.
Product: Money transfer, virtual currency, or money service

Cash app has continued to fall short of providing any type of resolution to my problem. For over a year, I used a single account with cash app. One that I even have the account and routing number that cash app provided me with at the time. This account was compromised and I can no longer access this account. Since then there have been multiple transactions from online vendors that were refunded successfully ( verified with multiple vendors ) more than several attempts to contact a live agent at cash app. Ive reached out to XXXX XXXX XXXX and square and they all advise me to contact cash app
Product: Credit card or prepaid card

I opened the Capital One XXXX. They had an advertisement that I am pre-approved for a XXXX XXXX XXXX. I was just curious what the terms were and how much the credit limit offered would be. Before that I checked the same with the XXXX XXXX. It was super easy and they provided me the details of the product and then asked if if am ready to begin the actual process. I was not ready to actually apply I was just researching. However, just following the prompts in the process I accidentally applied for the XXXX XXXX XXXX XXXX I did not intend to do that. I believe the prompts were a little confusing. Once I realized what has happened I immediately called Capital One and canceled my credit card. However, they also ran a hard check on my credit score and that had a negative impact on my credit score. I called Capital One to get further details and explain that their process is a little confusing. They need to change the credit card application process and make it clear that you are indeed applying for a card and that there would be a hard check on your credit score.
Product: Student loan

MOHELA keeps saying they are processing my letter and they havent given it. I need a an estimated student loan payment letter based on my income. Right now Im in in school student loan status and its showing a XXXX dollar payment. I need tog Dr my mortgage and they need to know what my minimum payment would be. They are giving me the run around and managers arent calling me back or anything. The letter just needs two basic sentences.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband died this year. I sent the attached letter to Equifax because I wanted a freeze on his credit and I wanted his credit report marked as deceased so it could never be used fraudulently. They told me to include 2 forms of id for me and my husband, so I included copies of our driver 's licenses and passports. I aslo included his death certificate. I called today because I had not heard from them. They told me that I had to send all the information again along with a power of attorney in order to get a reply from them. Like they don't keep a file of anything. This is ridiculous. We want to reduce credit fraud. It should be much easier to report a person 's death. The credit bureaus should accept a notice from the funeral parlors. If social security accepts a notice from the funeral parlor to stop payments, why can't credit bureaus have an easier process to prevent thieves from stealing a dead person 's identity. It is also ridiculous to require a power of attorney before informing a spouse that her deceased husband 's credit account is secure. This is an issue that should be addressed by the government. Protecting the deceased from identity theft should be an authomated process and should not require multiple communications with each credit bureau and lack of cooperation from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Also the Credit bureaus took more than 30 days to complete my investigation
Product: Debt collection

I had lost my job and was late paying one day for this company and tried calling them to tel l them of my demise. Only to be told that they could not do anything for me. I was attempting to pay the debt but with late penalties and other, I could not do so as i continued to have money problems. i called to ask them if they could work with me and they said no. i was paying when i received a bill from them but they stopped sending bills after the credit company took over. i did try to locate old bills and pay them monthly. 

they served me with a summons after the date that they said i had to respond. i had tried calling a month prior when i received their first threatening letter but no one answered so i just sent a money order. i was not sure who the debtor was. the complaint stated i did not attempt to pay the debit which is a lie. also it was forcing me to sign the complaint and said i had no objection. when talking with the person on the phone, i did state that i was not even sure who the creditor was and they finally told me after a few minutes. i made payment arrangements and they sent a further stipulation agreement to which i felt compelled to sign but under duress. point though is if this company had worked with me in the first place, this all would not have happened. and on my credit report, they say i am like three years behind in payment ... another lie. i have been sending money orders all along. i am not even sure if this is the right balance. sorry for not capitalizing my letters, my computer messes up when i do. thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This account balance is {$XXXX} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX after reviewing EQUIFAX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.