23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I graduated from college in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX I was not notified about ANYTHING from XXXX or Navinet about my loans with their company. I stayed up to date with their offices, and they knew where I was and how to contact me. They never called me, mailed anything, or even attempted to reach me by email for 8 YEARS! Suddenly in XX/XX/XXXX and XX/XX/XXXX I was harassed that I owed out the nose, was given no alternatives for repayments or potions other than {$1500.00} a month or a " reduced payment '' of {$500.00} a month that would extend my loan until XX/XX/XXXX. 
I barely make anything and have to live with family to pay my loans. more than 60 % of my income a month goes to Navinet to repay the loan, and they offered no alternatives. They harassed my co-signer, and they threaten legal actions. I requested what options they could give me and was told more than once " We are a private loan company. We do not have to offer ANY programs and can take you to court to freeze your assets until you are paid off. '' With their actions I borrowed {$50000.00} and will repay nearly {$200000.00} now due to their FAILURE to contact me. They even threatened to take legal actions again my mother, who co-signed for {$10000.00}, and is now estranged from me because of the hostile actions of this company. THey refuse to acknowledge that I am on a low income and keep telling me that I need to find a better job. I already work 40+ hours a week for {$12.00} an hour, where do they expect me to find better work WHEN I CAN NOT GO BACK TO COLLEGE BECAUSE OF THEIR ACTIONS AGAINST ME?
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with Kohls credit card services. I was added as an Authorized signer without my consent. My husband and I made many phone calls to have it removed, and was told it was removed. It is still showing me as an Authorized user with an outstanding balance on the account and the account currently closed with an outstanding balance. When I call Kohls they tell me they don't have anything showing me as an Authorized user and they tell me I have to contact the bureau however the credit bureaus tell me they respond to the reported information provided from the creditor and Kohls needs to correct the reporting. I have contact Kohls many times and have asked to talk with management and I have still not received any changes or resolution that I am not an account owner or obligated to the outstanding debt. I have been trying to get this resolved for over a year.
Product: Debt collection

This debt was the result of a double billing error from an old XXXX XXXX account. On XX/XX/2021, I spoke with XXXX of XXXX, who confirmed that this was a double billing error and it will be removed. XXXX gave me the number for Sunrise Credit ; I called Sunrise Credit and spoke with XXXX on XX/XX/2021 ( Ticket # XXXX XXXX XXXX ) and I was told that the amount would be taken out of collections. 

Despite all my attempts to resolve this double billing error, Sunrise Credit Services continues to report this false delinquency on my credit report, they have contacted me by phone, and send me e-mails demanding that I pay a debt which they have acknowledged to be a double booking error. 

Sunrise Credit Services has caused emotional and financial damage due to my lower credit score ( which affects my interest rates ) and the stress that comes from receiving false collections requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect report on my transunion report
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost all of experian information about me is wrong and when i told them to remove it they wanted to adjust the inaccurate information to be correct i told them, your kidding right that needs so instead they created another file insteAd of removing the inacurate info. Also they have the most basic things wrongs first of all my name on my id and birth certificate is not even on my file yet they have like 6 alias listed not one is my legal proper name i told them if the name thats not on my social birth certificate and drivers lisence is not the name on your file remove it the told me i must tell them one by one each name u want us to remove i told no look at my social birth certificate and driver liscense i provided it and if it dosent match remove it later i got a letter that my submissions were inlegible or they couldnt see it because the images were bad which is balonge. Also my social security number listed is not mine its the wrong number so if the number they have listed is wrong why are there some many things in my consumer credit report that is connected to my correct ss number??? Once again how is there anything at all on my credit report if experian dosent even have my correct $ $ number the second digit of the last four of my social is wrong i told them and they created a second profile now thats fraud i have two credit report files at experian now and the us giverment wanted to use XXXX to verify people identidication i think they need to keep that in house .so they did not correct any information they have my incorrect name and social security number yet theres things on my file where the socials dont match to what they experian  have on file also i paid for thedt protection XXXX XXXX XXXX  gurantee i suffered a financial loss because of idenity theft i tried to contact them to make a claim they just ignore me they ignored all my request to remove inaccurate things on my report and info. Yet they post things that have mismatched ss # on my report. No wonder i cant get approved for even a XXXX dollar credit card experian  has my social security wrong thats why everyone says they cant verify my information ugggh
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has come to a different conclusion twice wrongly, without providing justification. 
I am only convinced that evidence has been ignored. The investigation report I have received shows only month of payment but not the actual date or day in the month of XXXX. This is however, inconsistent with how the other months have been presented. 

When the evidence is before you and you come to different conclusion, the process will no longer support the analysis. 

It only make sense that actual payment made on time be reflected on credit report. My balance for the billing cycle should be XXXX. 

Does class, race, ethnicity etc. play a role in investigation?
Product: Checking or savings account

I closed a checking and savings account with PNC BANK XXXX XXXX and while i was closing the account XX/XX/2021 the bank account charged a fee of {$40.00} which was then waived. PNC Bank however is attempting to report my closed accounts to a consumer reporting agency. I spoke to PNC bank directly that has assured me there is no pending balances or unpaid charges on the account. The account numbers are XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card or prepaid card

I am filing a complaint in reference to my Wells Fargo accounts and credit card.Account number. XXXX. I opened my credit card around XXXX of XXXX. Some how Wells Fargo is not reporting my correct social and I was already a Wells Fargo Customer through the banking side, Every time I call to try to have my account looked up through social security number its not able to be located, unless I call from my cell phone which automatically pulls my account up. 

I tried calling on XX/XX/XXXX to have the situation looked into, and I was told the social is not matching,
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost a year and a half I have submitted my payment biweekly from my bill pay to where the funds are deducted from my account and issued to American Credit Acceptance within 24-48 hours. I have repeatedly had late payments placed on my credit report to which had greatly diminished my credit score. I have contacted the institution to resolve the matter by sending copies of bank statements reflecting payments being deducted from my account and issued to the institution on my behalf. The most recent interaction was on XX/XX/XXXX and again from my credit union to which i have received emails stating the institution is refusing to communicate with them. In XXXX and XXXX of XXXX multiple payments were issued and posted outside of the date they were received and I have multiple documents from my financial institution detailing such. The payments were posted to the account two and three weeks after received. 

When i make payments online I continue to receive alerts that my payments are not made when i have confirmation numbers and proof of funds being recieved.
Product: Credit card or prepaid card

On XX/XX/18 I called Chase Freedom to ask for help in lowering my payment or my interest rate. I have a large amount of debt and am struggling to even make the minimum payments, which are all going to interest. I have had this debt for multiple years along with another large credit card from another company and now a car loan payment. They said that they could possibly help me. They asked me a ton of questions about my income, my monthly payments, my utilities etc. XXXX seemed to want to help and said he could get me a lower interest rate and payment and even set a date for payment. He then put me on hold and when he came back, he said he couldn't help me. He said his manager didn't give him an explanation but that he could not help. He suggested a debt consolidation company and ended the conversation.
Product: Credit card

I was trying to reschedule a flight with XXXX XXXX that I booked through Chase Travel. On the XXXX XXXX website, it was free for rescheduling, but since I booked through Chase, I needed to contact Chase so they could reschedule for me. 
Chase Travel customer service told me that I could only reschedule it for a penalty as well as the differences between two flights. I'm very dissatisfied that Chase Travel doesn't honor the airline company 's policy and instead tried to charge the customers as much as possible.
Product: Mortgage

I am writing you to inform you of my current situation with Valley National Bank. From the attached, you can see that I have notified the correct personnel about the strong possibility of criminal activity, mortgage and mail fraud, but no acknowledgment of the issue has been given after many requests from me to bank employees from around XX/XX/2018 to date. Illegal actions by all who are referred to may include violations of the 4th and 15th amendments of the United States Constitution, FCRA, XXXX, FDCPA and many more United States rules and regulations. Its seems this has been handled as a normal mortgage situation when it is not. 

The first employee that was made aware of the issue was XXXX XXXX, the mortgage consultant who had been working with me from the time of procurement of my property. He mentioned that he would help and would see what he could do to cancel the mortgage, but stopped answering my emails and calls. Due to this, this situation has progressed into what is attached here. The communication presented here is not exhaustive of all between myself and related personnel. 

I'm requesting that you investigate this mortgage process under loan number # { redacted } to confirm any out of compliance/unreasonable actions by all employees who handled my loan in anyway and have this mortgage debt removed from my credit file/property to avoid any unreasonable actions and distress by the bank toward myself and property due to this possible fraud. 

Please see the below correspondence between myself and Valley National Bank staff in handling of this mortgage. Note, my property has never gone uninsured, but due to the negligence of the referred representatives, I was not aware of any inquiry to send proof of insurance. Most if not all violations I suspect have compounded all fraud I've experienced since viewing the property in 2018. I've come to realize my personal information has been exposed multiple times. To reach me, please email me as this is the best way. 

Employees on Attached Correspondence 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 Collections ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Mortagage Dept. ) - Left no contact information Others involved in Mortgage of Property in XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX Phone # XXXX
Product: Credit reporting or other personal consumer reports

Breach and has caused overwhelming harassment : XXXX data breach : In XXXX, XXXX announced a data breach that exposed the personal information of XXXX XXXX consumers. 
Experian breach : In XXXX, XXXX breached the records of XXXX XXXX XXXX customers. 
TransUnion data breaches : TransUnion 's fraud research shows that more than XXXX XXXX Americans have had their personal information exposed in data breaches each quarter.
Product: Prepaid card

Company deceived consumer by not allowing them to " manage the funds '' with a protected PIN as well as did not provide 80 % as XXXX claims to be a " fair value ''
Product: Mortgage

Quicken Mortgage The mortgage banker refuses to process a mortgage application. My credit scores are good. I have 30 % equity in the home. 

XXXX XXXX with Quicken Mortgage will not run the application. 

XXXX
Product: Credit reporting or other personal consumer reports

On my Credit report the following accounts were not authorized by me to be open. On XX/XX/XXXX, I logged into my Experian account ( which is linked to XXXX and XXXX ) and seen several accounts that I did not open. these are the following Accounts : XXXX ) XXXXXXXX XXXX- Acct # XXXX, Acct opened- XX/XX/XXXX, Acct Bal.- XXXX XXXX ) XXXX XXXX XXXX- XXXX XXXX XXXX XXXX unknown, not shown on report ), Acct opened- XX/XX/XXXX, Acct Bal. ( unknown ) XXXX ) XXXX XXXX Acct # XXXX, Acct opened XX/XX/XXXX, Acct Bal. {$170.00} XXXX ) XXXX- Acct XXXX XXXX, Acct opened- XX/XX/XXXX, Acct Bal. ( unknown ) XXXX ) XXXX XXXX- Acct # XXXX, Acct opened- XX/XX/XXXX, Acct Bal. ( unknown ) XXXX ) XXXX Acct # XXXX, Acct opened- XX/XX/XXXX, Acct XXXX. ( unknown )
Product: Credit card

I received an email from Capital One about a new card upgrade. They hit my credit, dropped it XXXX points, and I was sent the same card I already had. I had a XXXX balance with a line of credit for {$5000.00}. They did a hard pull as an existing account holder, to then send me the same card with a line of credit for {$1000.00}. Why would anyone want to do that?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 : Paid XXXX XXXX what should have been my final bill but still received a subsequent bill.

XX/XX/19 : Switched from XXXX  XXXX to new service.

XX/XX/19 : Returned all XXXX equipment to them.

XX/XX/19 : Received final XXXX Bill. Called immediately to dispute charges but was unable to get immediate assistance.

XX/XX/19: Took the day off from work and was finally able to reach a representative who explained the bill. Still didn't agree with the explanation but we could not come to an amicable agreement. I explained that my contract buyout was in process and that I would pay the bill by XX/XX/2019.

XX/XX/19 : Received email notice from MRS BPO , LLC, XXXX had assigned them the account. MRS BPO provided 2 payment options. I opted to make 2 payments of {$220.00} due XX/XX/19 and XX/XX/19. I made my first payment XX/XX/19.

XX/XX/19 : Called MRS BPO to clarify payment agreement because I received a notice which stated the option I chose would not pay the bill in full. Representative said the option had expired on XX/XX/19 but there is nothing in their records that shows this and the rep agreed to accept the final payment. She assured me that my bill would be paid in full and accepted my credit card payment by phone. 15 minutes later I receive notification that she placed the account on my Credit Record. It dropped my credit score by 54 points. I am in the process of buying my retirement home and this can either impact my interest rate or lead to me being denied for a mortgage all together.
Product: Debt collection

I have no idea who this United Check Recovery Bureau based in XXXX XXXX, New York is. they are robocalling mobile numbers looking for me. I do not owe this company and they are harassing relatives. They called a mobile number on XX/XX/2019. I have not received any mail nor do I have any accounts with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX and XXXX multiple times about a false account appearing on my credit report. Attached proof of letter sent along with pictures of certified mail, return requested proof.
Product: Credit card or prepaid card

This issue came to my attention when my wife questioned the paper statement, received first time in the mail, about credit card with CITI Advantage that being late on the payment. We have several CITI accounts in the family, my wife, my daughter and my son they all have CITI credit cards and my wife is the one who is managing all of our monthly bills. I called the CITI and talked to their representative that I do not recognize this Credit Card that was issued under my name Account Ending XXXX and explained that I never applied for this card, neither anyone in my family did. 

Citi opened the claim under fraudulently opened card using my personal information. After their investigation I received a response from CITI denying my claim as this was payments shows that being paid from my XXXX XXXX Account. I have explained CITI in my initial phone call that we have several CITI accounts in our family and my XXXX XXXX Bank account is used to pay all of bills in the household. If the card payment was taken from my personal bank account and my wife did not notice or assuming that it is one of our family used CITI cards it doesn't mean that someone did not intentionally used my personal information to open one. The payments for this credit card was never set up in my XXXX XXXX Account to be paid from the bank, these payments were taken from my XXXX XXXX Account by the CITI, and like they explain in their letter dated XX/XX/2019 that " payments remitted from valid XXXX XXXX Account '' - the payments were never remitted from XXXX XXXX Account, the payments were set up to be taken out within the CITI account. 

Recently, I had similar issue with XXXX XXXX  card that was opened under my name without my permission or being aware of it. 

I am sure CITI can investigate all the charges related to this account and see that those charges will have nothing to do with me.
Product: Debt collection

On XX/XX/XXXX I got a phone call from a person with the last name XXXX stating that I owed {$2100.00} they said that they had filed a court case and they were holding it until I paid the money they would also settle for {$950.00} or lower knowing that my father had passed away. The company said that their name was HSBC they said that the case number was XXXX however I was not able to find this case when I looked it up. The person I talked to today XXXX the XXXX XXXX was XXXX she did not give me a last name she said my debt was really old from XXXX to XXXX for a MasterCard through XXXX XXXX and through XXXX  XXXX XXXX they had my address my phone number my social security number my driver 's license number and my wife 's name their phone number that they called me from was XXXX. I told my wife to look up the information she can not find anything about this company except for that there's a bank named HSBC that's very reputable it's not a collection agency. when she called the number, the phone rang a few times before finally reaching a voicemail saying that there's nobody able to take the take the call at the point in time but if I left a voicemail they'd get back to me. they have not sent me any formal paperwork there's no documentation it's not on my credit report that these this dead even exists I I have I have two credit cards out right now and good standing I've called the companies I haven't worked with XXXX  XXXX XXXX since the XXXX and I could just tell that they weren't a real company and I'm just trying to report that
Product: Money transfer, virtual currency, or money service

We refer to the case you have closed without anything is solved. Merrill / Bank of America did not address the real problem. Today I sent them an e-mail regarding this : Subject : Re : consumer financial protection case no XXXXXXXX XXXX From : XXXX XXXX To : ML Edge Self-Directed We do not agree with your letter ofXX/XX/XXXXin which you say, that you acted appropriate. How can it be that on XX/XX/XXXX XXXX XXXX from ML told us, that the wire room was researched extensively and on XX/XX/XXXXyou sent back the money. Does one not know what the other is doing in your banking system?? Maybe your work ethic needs to be researched. To go further with our claim we need as soon as possible from you : 1 ) the copy of the incoming wire of XX/XX/XXXX with all details 2 ) the copy of the outgoing wire which you sent back onXX/XX/XXXX With your e-mail of XX/XX/XXXX you told us, that the exchange rate on XX/XX/XXXX was XXXX - which was a determined false information from your side. You also said in this e-mail that you sent the money back on XX/XX/XXXX. In your letter of XX/XX/XXXX you said it wasXX/XX/XXXX. We need all the information in original about the exchange rates when you got the money in first place, when you sent it back and when you got it again.
Please send all this proofs within 1 week from today. Sincerely XX/XX/XXXX