23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/, I applied for the new SAVE payment plan so that interest will not accrue to my account in excess of my payment. Nelnet has not yet processed my application as of today ( XX/XX/XXXX  ) despite promises by their representatives to process it no later than XX/XX/, and keeps adding {$14.00} interest daily. It is not my fault nor my problem that Nelnet is understaffed ; if they are not able to process my application, then they should pay the interest on my loans in the meantime. It is a conflict of interest for Nelnet to charge me daily interest for their failure to process my application as they profit from adding to my debt and keeping me in debt for longer.
Product: Student loan

I am trying to pay off my student loans. My loan servicer is E.C.M.C. I began receiving collection calls in XX/XX/2019 requesting that I consolidate the loans for the amount of {$24000.00}. XXXX, my previous loan servicer, was reporting a lower amount to the major credit bureaus. E.C.M.C can not substantiate the current amount claimed other than to provide they paid a certain amount for the loans. What E.C.M.C can substantiate is the original loan amount of {$10000.00} and payments made in the amount of approximately {$8800.00} on the loans. E.C.M.C asserts that despite these payments, {$22000.00} is still owed. I have requested a settlement but the offers exceed {$15000.00} despite an active wage garnishment in the amount of {$530.00} per month. I wish to reach an equitable settlement.
Product: Debt collection

XXXX XXXX XXXX and their collection Agency Credence claim I opened a XXXX XXXX XXXX XXXX account that I did not. Initially I thought maybe someone in my family living with me might have opened the account. After reviewing the numbers associated on the account I dont recognize any of the phone numbers of my family ever having. In XXXX I went to XXXX  and during that time my storage unit was broken into. My ID, social security card, birth certificate, bank statements, past credit reports were all in a file among everything else that was stolen. While in XXXX accounts were opened with XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX, and XXXX. My brother was able to get all of them handled and closed. I left XXXX in XXXX of XXXX and was in the middle of the COVID pandemic. I was just trying to get on my feet and hadnt even concerned myself with my credit. Then in XXXX my father was placed in XXXX so I was there with him until he passed away in XXXX. The month after that my nephew XXXX in a XXXX XXXX, and a month later my brother passed away due to a XXXX XXXX I lost almost all my family within 3 months with only one nephew left in my family. In XXXX of XXXX I failed a XXXX XXXX and violated my XXXX  and was XXXX XXXX XXXX XXXX and spent most of that time at the XXXX XXXX XXXX XXXX. When I was XXXX in XXXX of XXXX I again was just trying to survive without a support system. In XXXX of XXXX I went through to the police station in XXXX to report my cell phone stolen by hat had been snatched from my hand and then they took off running. I was then arrested for insurance fraud from a fraudulent claim that was filed under my name all ofn much happened while I was XXXX. I spent 4 months waiting for a XXXX XXXX  and was XXXX in XXXX. Around XXXX was when accessed my credit report and seen someone had been using my credit for years. I was even provided a copy of a Drivers License with my DL number and name however the picture, height, and weight are not mine. They used this to rent a car at XXXX and get a car at XXXX of XXXX. I provided XXXX XXXX XXXX this along with police reports, a FTC Idenity theft report and a signed Idenity theft affidavit. Both times they sent me a email that say the thoroughly investigated and determined I am responsible for the account without providing and verification of the account or details of their investigation as required by law. I am now filing this complaint because I should not be responsible for an account I did not create. I am also forwarding this complaint to each credit bureau to have the information blocked from my reports because without providing me with verification plus proof of investigation it would be illegal for the credit bureaus to report this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a item on my credit file with XXXX, TransUnion, XXXX that I am trying to verify that I even owe the debt. The original creditor is : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. The det collector assigned to collect this debt is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX. 
I have sent letters of validation/verification to the original creditor. The first letter was sent non-certified on XX/XX/2018 it was returned. The second letter was sent certified on XX/XX/2018 it was returned and could not be forward. After each letter was returned I disputed this debt with the three main credit bureaus listed above. Each time the credit bureaus would refuse to remove an unverifiable debt. The three credit bureaus would send me paper work stating that the debt is verified as accurate. I have tried to contact the original creditor by US mail to verifie/validate this debt and I can not. By keeping non verifiable information on my credit file is a violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted disputes to XXXX, Transunion, XXXX to verify accounts that weren't mine on my credit report. I submitted proof of identification that includes social security card, my driver license and bank statement ( with a void check ). Its over 30 days and i havent received any status updates or corrections. Can you please assist me in this matters. Thank you.
Product: Checking or savings account

I Bank with PNC Bank, going on maybe 10 years, whom we have never had an issue with until now. I have a vehicle loan through PNC bank as well which is paid through the bill pay feature on the PNC app. I paid {$1600.00} on the loan on XX/XX/XXXX. Once the payment posted, the account overdrafted which is fine because I fixed the overdraft the same day. Then the next day PNC Bank reversed that {$1600.00} payment which is also fine. So I called PNC bank and asked spoke with someone in the customer service and loan servicing dept who verified I could go ahead and pay the {$1600.00} again and the payment would NOT come out twice therefore, I made the payment again after being told it would only come out once. On XX/XX/XXXX I woke up to an overdrafted account due to the {$1600.00} payment being taken out twice and this time I didnt have the money to fix it but shouldnt have to fix it because this time, it was the banks fault for misinforming me and taking out the payment twice instead of once. I called that morning and spoke with a rep who stated I had to call back Saturday morning since the payment was pending and not yet posted even though it reflected in our checking account for 2 payments of {$1600.00} and advised when I called Saturday that they would have one of those payment refunded immediately. I called Saturday and was told the loan servicing dept. Could either refund the payment within 7 business days or I could dispute with the customer service dept and have the payment refunded within 3 business day. I spoke with someone in the customer service dept who stated they escalated the dispute and the money would be back into the account on Wednesday and that I would have to call once again on Wednesday to provide the story to have the {$1600.00} refunded along with any overdraft fees. Today is Monday XX/XX/XXXX, I called the bank to check on the status of the dispute and was told it would take 45-90 calendar days. I told the rep there should be a rush on it to be back into the account by Wednesday because I am still overdrafted with overdraft fees currently coming out and its PNCs fault. All the rep said was to wait a couple of more days and call back. This is a warning to others, if one of your payments is reversed and the bank tells you to pay it again, dont because the payment will come out twice and no one will be able to tell you when your money will be back into your account and they will charge you overdraft fees.
Product: Credit reporting or other personal consumer reports

In XXXX I applied for a credit card and was denied due to " applicant was XXXX. '' Clearly, I am not- and decided to move on without a credit card. In XXXX I applied for a car loan and the loaner was unable to access my XXXX XXXX and also got the message that I was " XXXX  ''. I then scheduled an appointment with the social security department to see if they knew what was going on, and they informed me that everything was fine on their end. I obtained a letter from them stating that I was in fact alive. I sent copies of that letter along with a notarized letter stating that I was XXXX, with copies of my ID, social security card, and birth certificate to XXXX, XXXX, and TransUnion to establish my existence in XX/XX/XXXX. I received a letter from XXXX stating that my Dispute item not listed in credit report and a letter from XXXX confirming the dispute, but had no results to list. I received nothing from TransUnion. I have spoken to several representatives from the XXXX credit reporters and all of them have no idea why this is happening and take no accountability. I have spoken to several professionals and they advise a lawyer, but I do not have the means for that. I met with a XXXX XXXX that was able to establish that all three credit reporters do not have my name correct in their systems and XXXX has an incorrect social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been submitting multiple written appeals to Equifax regarding the fraudulent information being reported on my file. The last letter I sent to the Credit Bureaus was XX/XX/2022 with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the accounts I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the theft of my Identity. This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were 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. The items listed below are the result of such crime and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I was a victim of identity theft and noticed a collection from CONVERGENT OUTSOURCING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CONVERGENT OUTSOURCING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

Asked Transunion for credit report to be mailed to me very unprofessional nasty I am entitled to copy annual report and I was denied credit as well asked for one or both no response called said I was able to get it very rude to me I need it for fraudulent activities and need to fix my report very unhelpful don't care about public at all
Product: Checking or savings account

Credit Karma refuses to allow me to access my account, which contains about XXXX belonging to me. The company bases on the claim that my documents showing proof of identity are not sufficient, despite me showing a birth certificate, social security card and valid driver 's license. There is a fraudulent number on the account, and the company will neither remove this or allow me to change it. The company also refuses to close the account and remote my funds to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX for XXXX XXXX XXXX Georgia XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX Unauthorized Hard Inquiries XXXX. XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX I am writing to file a complaint regarding unauthorized credit inquiries that appear on my credit report for : I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my financial standing. I have contacted each Furnisher to address this matter, however, I have not received any resolution. I requested wet signature applications and proof of authorization. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these unauthorized inquiries and take actions, to make sure theyre removed, and to prevent further unauthorized activity.
Product: Credit card

Earlier this year I submitted a complaint about CitiBank and their handling of my late husband 's CitiBank XXXX XXXX card. 
Recently, I received a CYA letter from CitiBank, but nowhere in that letter did they acknowledge that they charged my husband 's card with late fees and interest after he had passed away. Nor have they actually sent me an updated bill showing these charges removed. ( I did however receive a final bill dated XX/XX/year> with the fees NOT removed ). 
I have been called and apologized to, but CitiBank has not actually fixed the issue or taken responsibility for their error. 
The woman that I spoke to last week tried to tell me that the fees were tacked on when a XXXX payment was not made. Mind you, no one could not have made a payment on the card as CitiBank closed the card once I reported his death! 
The final balance was sent to a collection agency, XXXX XXXX, and their contact phone always rings busy. And any payments I had made on that card would have been nonrefundable. 
While it XXXX be simply a systems error, my suspicion is that CitiBank does this kind of thing as a matter of course to collect more money. I would encourage all consumers to stay away from CitiBank issued credit cards. I know that I will!
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the erroneous items in my file that resulted from an incorrect credit report entry but I still have ITEMS left that needed to be removed. This is my new attempt to notify you that I am a victim of faulty credit reporting and I write to dispute these items in my file resulting from the said issue. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an inaccurate credit report data : Experian XXXX XXXX Balance : {$5100.00} XXXX XXXX Bankruptcy Date Filed/Reported : XXXX XXXX, XXXX  Reference # XXXX =======XXXX  XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XXXX XXXX, XXXX  Reference # XXXX. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card or prepaid card

I am unsure. The account has been paid on time from the time it has been opened. Last year the balance was lower to XXXX when I run into some financial issues. I tied to place an order and the card was declined. I was not sent noticed why or that the account had been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Reporting agency was granted injunctive relief to not report public records such as bankruptcy which has resulted in my credit report missing information and/or inaccurately reported information. Some accounts have been reported as charged off, included in bankruptcy filings, and/or other erroneous information. This injunctive relief is being requested XXXX XXXX XXXX to be lifted and will be submitted to the court of record ( s ) for the following reasons.

Attached is the immediate credit report following the discharge of the Chapter XXXX Bankruptcy with all of my accounts being listed. Some information remains incorrect such as a co-borrower who was also discharged on the XXXX XXXX XXXX   account. Some accounts that were revolving accounts and directly drafted from my bank account such a XXXX debt amount reported may be inaccurate or contain fees, etc as this was a line of credit. XXXX XXXX  who previously stated that this debt was included in the Chapter XXXX Bankruptcy was not an actual debt included and the surrendered vehicle in the second XXXX account should have been offset by any sale as well as the trade-in ( s ) after lease agreements expired, etc.

Given the fact that this is the closest to accurate credit report and the only report that is supported by a Chapter Bankruptcy order, with no order in XX/XX/XXXX, the default order in XX/XX/XXXX will be requested by consumer XXXX XXXX XXXX to govern her credit history and the request will include indefinite reporting of all credit history to alleviate misinformation to the public and potential creditors. XXXX has not released a free credit report as it pertains to XXXX XXXX XXXX in two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

A old debt still remains on my credit report, Account Name XXXX XXXX  Account Number XXXX Account Type Revolving Bureau - XXXX Date Open - XX/XX/XXXX High Limit - {$7600.00} Monthly Payment - Account Balance - {$52000.00} Last Reported - XX/XX/XXXXAccount Status - Charge - Off Amount Past Due - XXXX Account Designator - Authorized User
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  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX GLOBAL LENDING SERVICE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Checking or savings account

Wells fargo account was hacked funds taking out my account I went 2 months trying to provide it was not me. My online account login was changed and money was taking out shortly after. Wells Fargo refused to give me back my money for 2 months. Bills got behind and had to find another back
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed are the accounts that must be verified by section 609 with proof of my signature
Product: Debt collection

I keep receiving notices from Jefferson Capital Systems for an account I do not own. I have never taken out credit with the original creditor ( XXXX ). Yet this agency continues to harrass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD/BANK USA/ TARGET CREDIT ON XX/XX/2019 THERE WAS A 30 LATE ADDED TO MY ACCOUNT AND NOW THE LAST TWO YEARS IT IS NOW SHOWING 60 DAYS LATE. HOW CAN AN ACCOUNT BE 30 DAY IN ONE YEAR THEN CHANGE TWO YEARS LATER. I HAVE CONTACTED THE COMPANY AND THEY KEEP SAYING THE 30 DAYS IS CORRECT BUT IT IS SHOWING 60 DAYS.
Product: Credit reporting or other personal consumer reports

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XX/XX/XXXX and distress they are causing me.
Product: Credit reporting or other personal consumer reports

The 3 credit bureaus have my name listed multiple times and spelled incorrectly. My name is XXXX XXXX. I have sent copies of my name and social security card to no avail. I have also attached it here for your review. 

All of the 3 credit bureaus have the following spellings for my name : XXXX XXXX XXXX - incorrrect XXXX XXXX These spellings do not belong to me.
Product: Credit reporting or other personal consumer reports

I sent letters on XXXX to both the creditor 's and credit reporting companies, none of them responded