23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I only owe {$57.00} to XXXX-Comenity Bank. On XX/XX/XXXX, I made a payment of {$27.00} and on the same day I was charged a return fee. On XX/XX/XXXX, I made a payment of {$33.00} and on the same day I was charged a return fee of {$25.00}. 

Comenity bank claim they could not find my bank information thus the reason for the two returned fees. Comenity bank never notified me by mail nor called me. I only found out about the late fees because I logged in to make a payment on XX/XX/2019. On XX/XX/2019I made a payment of {$60.00}. I was assured this would cover my XX/XX/XXXXpayment as well. Again, never was told about late fees or not being able to locate my bank etc.. Sadly, on XX/XX/19I was charged a late fee. Comenity bank lied when I asked if {$60.00} would cover XX/XX/XXXXand XX/XX/XXXX. 

Also, I found out Comenity Bank HAD A WRONG NUMBER listed. According to their records the number they had listed on my account belonged to a XXXX. I had to FIGHT with them to correct my phone number and to convince them I was not XXXX. I don't even know a XXXX AND I have had the same phone number for years. 

Ever since Comenity bank took over my XXXX account, my account has been a mess. I want the fees reversed. I want the credit bureau notified and a positive report made. 

My credit rating dropped 26 points because of Comenity bank 's error. This has to be rectified. 


Thank you in advance, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Social security number is XXXX on XX/XX/2023 experian did removed the fraud account ending in XXXX I have a federal trade commission identity theft report on file but it ended up appearing on my experian credit report as XXXX duplicate accounts ending in XXXX please have experian remove the fraud accounts their showing XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

OnXX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, 700 CREDITXXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

They sent the original letter through the cfpb and it has my name but the address on the letter is a place Ive never rented or resided at! Theyre not even trying to remove the debt, even after Ive shown proof that it isnt mine including my current account with XXXX XXXX!! When I called them, they had none of my information except my social and my name and had NEVER sent a previous debt collecting letter or called!!
Product: Student loan

I am submitting this formal complaint regarding the mismanagement of my Income-Driven Repayment ( IDR ) plan application by MOHELA, my federal student loan servicer. Due to MOHELAs unreasonable delays and improper handling of my application, my account has continued to accrue interest, despite the fact that I should have been placed on a general zero-interest forbearance while my application was under review. 

I originally applied for an Income-Based Repayment ( IBR ) plan in XX/XX/XXXX. MOHELA reviewed my application for approximately two months until XX/XX/XXXX, at which point I contacted them for an update. At that time, I was advised to switch to a Pay As You Earn ( PAYE ) plan, as it would be more beneficial to me in the long run. I followed their recommendation and submitted the necessary documentation for the PAYE plan. Since then, my application has remained in processing for another two months, only to be indefinitely delayed due to pending litigation against the Department of Education. 

Throughout this entire periodnow exceeding 110 daysmy student loan account has continued to accrue interest. At no point has MOHELA placed my account under a XXXX-interest forbearance, despite my applications being in process and the delay being entirely outside of my control. This mismanagement has caused me financial harm, as interest continues to capitalize unnecessarily. MOHELAs actions ( or inactions ) have been in bad faith, as they failed to implement appropriate measures to prevent undue financial burden on borrowers impacted by servicer delays. 

I have contacted both MOHELA and Federal Student Aid multiple times in an attempt to resolve this issue. Every time I call MOHELA, they have told me that there is nothing they can do and that any action toward placing my account on a zero-interest forbearance must come from Federal Student Aid . This is false. MOHELA, as my loan servicer, has the ability to place my account in forbearance due to processing delays, yet they have repeatedly refused to take appropriate action. This misleading and inaccurate information has further delayed a resolution and caused additional financial harm. 

I am requesting immediate corrective action, including : MOHELAs failure to uphold proper servicing standards has placed an unfair financial burden on me. I request an urgent response and resolution to this matter. Please confirm receipt of this complaint and provide a timeline for corrective action.
Product: Bank account or service

Recently, PNC bank overdrafted my account on a transaction that was {$12.00} over what I had in my account. I specifically set up an alert so I could get to my bank in time to deposit money in the account ; but did not receive the alert until XXXX the next morning ; by which time, they had already charged me a {$36.00} overdraft fee. They said that I should open a savings account with them to have overdraft protection. I explained that I choose to have a savings account at a credit union, which gives me a higher interest rate. How about they change their policies and decline the transactions ( including electronic payments as well as recurring payments ) that would cause me to overdraft? 

I 've had this issue with PNC before, and think how they treat their customers is outrageous. This is the last time I 'll ever be paying them an overdraft fee. Instead, I will open a bank account somewhere else to give my hard earned money too. This is the last time PNC gets it. They consistently XXXX me off with their undermining tactics to steal money from their clients. Why should I stay with a bank that will do so?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Nearly every account on my credit report still have inaccurate, incomplete information regardless of several disputes this year and a phone call today. They always come back accurate/verified and then nothing else happens. Failing to report things as important as opening date, closing date, highest balance, etc. as required to do. When asking who the 3rd party was that was verifying this information, the rep did not know who. From my research it appears to XXXX previously and now XXXX. When I look at my XXXX Report, the information does NOT match what is on any of my credit reports. The Bankruptcy Court said they do not report to anyone so the data is not coming from there and would be wrong anyway. Are the credit bureaus taking short cuts? *phone call recorded XX/XX/0620 XX/XX/XXXX was a dispute, closed XX/XX/XXXX stating accurate and remains. I found that to NOT be true. Over the last several months there were many, many errors I had to dispute. I did so via the mail, online and on the phone.
Product: Credit reporting or other personal consumer reports

I received information from you attempting to collect the above-listed alleged debt. Account Name : XXXX Account # XXXX Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | XXXX XXXX that no proof of the alleged debt, nor therefore any such debt in fact exists. If you fail to comply with this dispute, I may turn the matter over to an attorney.
Product: Debt collection

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hundreds of letters have been sent to these creditors. Over 15 letters sent thru CFPB. Now all 3 credit bureaus have requested the Equifax Security Breach paperwork and a recent police report, see attached. All are NOT MY DEBT! Weve asked dozens of times for an application with my signature. Weve asked where were they opened ... .online is all Im told. Thats it. All they say is its verified cause we know my name address d.o.b. and social. But refuse to send or give us any further info. Please remove from my credit as these debts are stopping me from moving forward, and this debt has never ever been mine. Im sending letters now 3 yrs. I was involved with the Equifax security Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Trying to put a Credit Freeze on my moms account with Trans Union. She can not talk. I have Power of Attorney, but that takes time to mail in. I  want to add protection, but they refuse unless its her. I do n't want credit or information, just to place a freeze on her credit.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. When I checked my report as I usually do, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the inaccurate accounts remained. Given this issue, I kindly request a thorough review of the documents I have submitted so that I wont have to worry about this again.
Product: Debt collection

This debt is factually incorrect and inaccurate I did not have a lease with the creditor from the dates provided in the validation of the debt The lease provided is not signed by me The amounts provided in the validation are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I request you to revise the report after due diligence.
Product: Credit reporting or other personal consumer reports

I am a victim of data breach someone use my credit to try to apply for credit cards. I have sent this documentation and several times to equifax and nothimq has been resolved
Product: Student loan

Received judgment court papers regarding debt in which I was unaware of what it was Until I realized that this was a creditor hat I had previously disputed on credit report. The court papers list plantiff as   XXXX   XXXX   XXXX   or   XXXX  aN D  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . as their attorney and my mom and I as defendants. I did some research and I found out these creditors were hired to collect on student loan they allege I obtained and allege my mom co-signed. However, these creditors did not properly set forth identity of the original student loan creditor or any promissor documentation. Also, creditors alleged this is a debt that was obtained over 10 years ago. I am a victim of identity and my mom is a senior over  XXXX  so I am very concerned about this matter. My information and my moms was used before fraudently for a mortgage loan also over 10 years ago. I believe these predatory creditors are in violation of the California consumer credit laws : Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Truth in Lending Act. I have attempted to dispute items on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
Here is the list of accounts that still needs verifying : XXXX XXXX Balance : {$2000.00}, XXXX XXXXXXXX XXXX XXXX : {$960.00}
Product: Debt collection

XXXX XXXX XXXX, has been repeatedly trying to contact me about a debt that I have. Now, i did explain that i was undergoing financial hardship and that i WILL contact them when i get financially stabile, to pay my debt. Now. Instead of calling me, they are calling my fiancees number, which i never provided to them, to try and get ahold of me. I feel its a violation of consumer rights.
Product: Mortgage

I have recently received a discharge on my Chapter XXXX bankruptcy where I completed my plan making every payment on time. In XXXX 2017, I received a letter from the trustee to begin making payments to Nationstar Mortgage. I called the company and was told a different amount ( 300+dollars ) instead of the XXXX payment the trustee said I would be paying. I questioned the representative at that time who said I had funds left over in my bankruptcy account that covered the remaining portion. Again in XXXX, the XXXX was owed. At that point I spoke with a representative in the bankruptcy dept who agreed this was wrong. The rep submitted an inquiry to the research dept. XXXX rolls around and I officially got my court paperwork finalizing my discharge. I receive a statement in the mail from Nationstar saying I am past due. I call them and the rep said no, we have money holding in an account that can not yet be applied to your account. That was last week. Today, I get a note taped to my door of my house saying I should immediately call the company. I call, they said they actually owed me money and dont know whats going on. You can not get a straight answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent 3 letters asking to remove this account because of so many errors on my report like the high credit balance the date of last activity and last report date and the date of last payment these are not 100 correct across all 3 credit bureaus and this needs to be deleted asap. They also responded with resolved and nothing was explained or resolved at all everything still looks the same like they just did an auto- reposnse. this is affecting my life and my credit reports. And I also ask for contracts with my signature on them showing this is my account and I never got anything.
Product: Credit reporting or other personal consumer reports

I am still trying to get a XXXX - c from sst/seed Fi and I can't get XXXX and I also have submitted previously a request for arbitration I am afforded that luxury according to the account disclosure the last one I sent I called them and ask what was the status of my request and I was told that they weren't going to do anything about my request because I didn't file it correctly and I am sending a copy of my request that I sent to systems services technology. This is the fourth or fifth complaint that I ha XXXX lodged against systems services technology in the last year and NOTHING has been done about it and now something has to be done about this company they are not above the law.
Product: Credit card or prepaid card

I have 4 fraudulent charges on my account. They removed 3 but not all 4. Ive reached out to company numerous of time. They are charging me interest on the fraudulent charges. Ive been hung up on. Also while trying to get help they have continued to charge my late fees.
Product: Money transfer, virtual currency, or money service

Case # XXXX My account was hacked and transfers were made without my consent coinbase had a security breach and this was how the hackers were able to get into my account in total I lost XXXX $ and havent been able to recover these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert from one of my credit monitors that a hard inquiry was made on my TransUnion credit report on XX/XX/2023, from XXXXXXXX XXXX XXXX. I have never done any business with XXXX XXXX XXXX. 
I tried to contact the XXXX XXXX XXXX and TransUnion several times by phone but have never reached a real person. I sent each of them a letter asking about the unauthorized hard inquiry on my credit history but never received a reply from either one.
Product: Student loan

My student loan was with Wells Fargo starting in XX/XX/XXXX. My story about dealing with Wells Fargo is long and troublesome, but in short, suffice it to say I could never get the same answer. 

At the time I was working full time ( and part time in the XXXX XXXX reserves ). In XX/XX/XXXX I lost 33 % of my income and had just discovered I owed back taxes. When deferment ran out I was unable to make full payments. Wells Fargo refused anything but full payment. The IRS and XXXX warned their payments take priority. 

Wells Fargo finally charged off the account, offering settlements. Since I gave ever last XXXX of savings to the IRS, I told them I just want to make partial payments for now and then payments in full when I can. Again, they refused and did so each time after. They demanded payment in full, around $ XXXX. 

Before I XXXX in XXXX and knowing I would have my security clearance renewal, which this would jam me up for, I contacted Wells Fargo and offered again to set up payments and told them I will seek tort relief if I lose my reserves job because they refused to set up a payment plan. They again refused. 

When I returned from XXXX I was one more tax return away from paying the IRS in full. Before I could call them they called me back and offered settlement. I told them all I ever wanted to do is meet my obligation to my original contract. I couldn't do that at first but then I could. It was early in XX/XX/XXXX. 

They accepted and I've been making those payments monthly ever since.However, my credit report doesn't show I'm making payments and merely continues to show charge off each month. Every time I do anything requiring a credit check - including employment ( which I was denied consequently ), I have to explain this. 

I contacted an attorney ( XXXX, XXXX and XXXX, XXXX ) and sent them a letter, and also challenged their reporting at the credit bureau. 

All I want is for my credit report to show I have been making payments never late since XX/XX/XXXX. Wells Fargo refuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Equifax for my XXXX XXXXehicle loan account with the last XXXX of the account # XXXX. I paid this account in full on XX/XX/2023. On XX/XX/XXXX Equifax reported this account past due with a balance. 

Also the date of first delinquency is incorrect. 

Equifax is blatantly reporting erroneous information.
Product: Mortgage

I paid my mortgage off XXXX and certified check cleared on XXXX. I have continued to receive harassing phone calls saying they havent received payment. I have emailed proof on numerous occasions and also sent a certified copy of the certified check, my home equity statement showing it came out and was paid, my savings account statement showing money deposited for certified check, copy of the payoff letter showing where the payment was mailed to per PHH Mortgage instructions. The continuously call me saying they havent received payment when I sent them the canceled check. They have put negative comments on my credit report. I have authorized them to speak with XXXX XXXX XXXX who sent the certified check and they continue to contact me after I asked them to speak with bank. I have already started making my new mortgage payment. They have sent me two early intervention letters when my account is under dispute. This harassment is out of control and causing undue hardship not only on my credit but my health. Please advise. I have put them on notice of legal action if this continues
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX  didn't send my bill statement 21 days before my XX/XX/XXXX due date and reported me as late to XXXX, EQUIFAX, and XXXX. This is violation of Title 15 USC 1666b ( a ). XXXX  XXXX  also accessed a late fee without sending bill statement 21 days before the do date. This is a violation of Title USC 15 USC 1666b ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Chase Bank XXXX, XXXX. INQUIRIES DATE : XXXX XXXX AND ALSO XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the companies below have violated my rights. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$4000.00} XXXX  XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$9600.00} XXXX  XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$110.00} 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.

Pursuit of 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. MY PERSONAL INFORMATION WAS STOLEN IN A NIGHTCLUB XXXX, AND I WAS ADVISED TO CONTINUE TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.