23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Great Lakes provided false and/or misleading information in regards to my school closure. I was a student at XXXX/XXXX in the past. I earned an XXXX in XXXX XXXX and XXXX via distance courses from XXXX, FL. Since graduation I have not been able to use my degree since graduation. I received an email from the Dept. of Education about the closure and possible loan discharge qualifications. When I contacted Great Lakes to inquire about the details and possible fraud I was given the wrong information and paperwork to submit for loan forgiveness or loan discharge for my situation. I needed a Borrower 's Defense Application or Attestation Form and I got a school closure form instead. I was also informed that I needed to get the discharge approved by the loan servicer BEFORE I would be allowed to submit it to the Dept. of Education. I was denied for the wrong application by Great Lakes over a year ago and have been paying what I can afford on my loans since. I feel I was intentionally misinformed in order to retain the loan and the profit from the interest. Which they then capitalized the interest that accrued while my loan was in forbearance waiting for the decision to be made which was never theirs to begin with and added another few thousand dollars! I can not even afford this loan since I have never been able to obtain employment in my field of study and can not transfer the credits into any reputable college in my area. Job placement and the growth rate as well as the student services that were to be provided after graduation was a lie! I never gained anything except this debt and now have been manipulated once again to hold me to the promissory note when I qualify for forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the IRS, charge offs and other cancelled debt is considered taxable. The creditor is XXXX to report all charge offs, canceled, or forgiven debt via a XXXX. I have never received this form from the company, and I would like to, in good faith, give them a chance to send the XXXX to IRS before doing so myself. 

Furthermore, this complaint is to inform XXXX and Transunion that Charge offs are considered INCOME, taxable income, that must be reported ; and income should never be disclosed on the consumer credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX - Overdraft of {$35.00} by Wells Fargo on an amount of {$9.00} XX/XX/XXXX - Overdraft fee of {$35.00} by Wells Fargo on an amount of {$8.00} Wells Fargo allowed for my wages to be garnished in XXXX and then had a withdrawal fee on top to that. I do not have access to the XXXX information, because the bank did not provide statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following has been reported on my credit report without written consent. On XXXX XXXX, XXXX XXXX  Credit Union reported XXXX XXXX XXXX XXXX XXXX  dollars. They also reported XXXX XXXX XXXX dollars on on XXXX XXXX. On XXXX XXXX, XXXX reported XXXX XXXX XXXX XXXX XXXX dollars. On XXXX XXXX, XXXX XXXX reported XXXX XXXX XXXX XXXX dollars and XXXX reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Bank of America has my account as fraudulently but I have no knowledge of whats going on, I didnt have Access to the card nomore
Product: Credit reporting or other personal consumer reports

I received a email from XXXX XXXX stating I had 2 hard pulls on my credit report. 
XXXX ( Bank ) XX/XX/year> XXXX XXXXXXXX ( Bank ) XX/XX/year> I called both Banks and asked to see if they had any information on anything that had been opened in my name and they checked and told me that nothing was. I told them I was not trying to open any accounts and do not have any credit cards opened. And I don't plan on opening any accounts or credit cards. Then I called Trans Union and had them verify these hard credit checks that were on my report was accurate and they told me yes and put a red flag on them because I had said to them that it was fraudulent activity and I was not the one that was trying to open any accounts or credit cards in my name. This leads me to here where they told me to go and report this fraud so I can remove said fraud off my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the fraudulent inquiries currently affecting my credit reports. As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I assert my right to accurate and timely credit information, and I insist on the preservation of these rights. The ongoing presence of these fraudulent inquiries on my credit reports is unacceptable, and their immediate removal is imperative. I hereby request the swift removal of the following inquiries from my credit report without further delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XX/XX/2023. I must emphasize that under the FCRA, credit bureaus are obliged to investigate and respond to consumer disputes within 30 days. Accordingly, I demand written confirmation of the removal of the fraudulent inquiries from my credit file within four business days. Failure to address this matter promptly will compel me to pursue legal action against your organization.
Product: Credit reporting or other personal consumer reports

I am disputing the following negative items that continue to appear on my credit report : Name : XXXX XXXX XXXX These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax and XXXX to remove this account from my report, as it was result of ID theft. I have asked the bureaus previously but it still reporting until now and affecting my scores and files tremendously. I need help to get this item removed from my file. 

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

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXXXXXX 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
Product: Checking or savings account

Timeline of events XXXX I wrote out a check for XXXX dollars to be made payable to the IRS through my citizens bank account. I sent the check through the mail that day, XXXX Check is cashed with the name XXXX XXXX written over IRS and their name signed over mine. The amount is written over and changed from the original XXXX to XXXX. 

XXXX-My accountant contacts me, informing the IRS has reached out to her because they never received my payment. I discovered the fruadulant check that had been cashed on XX/XX/XXXX by XXXX XXXX. 
I immediately meet with XXXX XXXX from citizens bank branch in XXXX. He contacted the fraud department and I was given a case number. 
I also contacted the Post office and reported this since the check was stolen through the mail. 
I file a police report with the XXXX branch of the XXXX Police department I contact the IRS and report the theft. 

XXXX/XXXX/XXXX XXXX from Citizens Bank XXXX XXXX has already escalated my case with no luck of receiving a response. He contacts XXXX XXXX from Citzens asking for assistance. The case is given over to XXXX and my claim number is changed. 

XXXX XXXX My case is given over to a woman named XXXX and my claim number is once again changed. 

XXXX XXXX from Citizens Bank customer service calls me and tells me my case has been closed. She offers me no explanation. 

After this happened I started to go down to Citizens Bank in XXXX, Ma and ask to meet with the XXXX. At first he was kind and promising to figure this out then he began to ignore and resent me. 

XX/XX/XXXX I meet with XXXX and she offered me a translater which I said yes to since english is my second language. At the meeting I am told my case was closed because I filed after XXXX. But as you can see from this timeline the check was cashed in XXXX and I didnt find out until XX/XX/XXXX. She says she will reopen my case. 

XX/XX/XXXX I received a phone call from XXXX this morning and she told their claims department has decided not to replace my money and my case is closed XX/XX/XXXX I request more information from XXXX in writing. 
She emails me back and tells me I didn't report this within 30 days so they wont refund my money. 

I dont understand why it took them over a year to tell me this, I spent a year of my time working with 3 different people from Citzens to resolve this just for them to tell me I filed the complaint to late. Theres no accountability that this person was able to steal my mail, rewrite the check and have it go unnoticed and cashed.
Product: Debt collection

This company refuses to provide proof that any of the XXXX debts they claim they purchased are legitimate. I have had XXXX different process servers show up at my doorstep as a result of this company on over XXXX XXXX occasions with my personal financial information and potentially reputational damaging information exposed to all XXXX process servers. They have to follow privacy laws like every other company with regards to information like that. My information was not protected and illegally purchased. I receive a notice indicating that I had been sued when I hadn't even received a summons. It had been delivered to a neighbor. I have tried disputing all XXXX items with the credit reporting agencies without success and even with documents, videos and photos won't allow me to upload the evidence. Customer service with XXXX, XXXX and XXXX XXXX are practically non-existent and useless. This company grossly violates privacy rights and debt collecting practices yet they're still allowed to do business. Note how each person is holding the summons in the open, not in an envelope. I learned what they were from a business card that was left by the process server. Again, none of it was obscured from the 3 party and was actually given to a neighbor without an envelope.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$6000.00} DEPTOFEDXXXX   XXXX {$3500.00} DEPTOFED XXXX XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts on my credit report with Equifax that are in collections status. It 's in reference to a worker 's compensation incident that happened while at work. The medical bills acquired while seeking necessary medical care were n't paid by worker 's compensation in time, thus going into collections and negatively affecting my credit. After contacting my employer 's HR department and Claims Adjusters in order to have the medical bills paid back in late-XXXX/early-XXXX, I just found XXXX days ago ( XXXX XXXX ) that my Equifax credit score dropped a whopping XXXX points due to the very same collections accounts that came back. I do n't know for sure if this is in regards to the data breach they 've recently succumbed to, but these accounts were billed to my employer and thus, should n't be on my credit report any longer, much less able to affect my score and come back to life again.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was alerted that the XXXX and XXXX XXXX XXXX XXXX ( XXXX ) had pulled my Experian credit report. I have not dealt with XXXX since I got out of the XXXX in XXXX, and I certainly have not applied for credit with them since then. 

On XX/XX/XXXX I called Experian to dispute this inquiry and to have it removed. Since I am a premium member, I was asked if I wanted to use my membership benefit or do something else. I informed the woman that I wasn't aware of what the difference was in either talking to her or using that benefit and she failed to explain it to me, only repeating her question. I had already been transferred once to her and since I said I wanted to use my premium benefit, she told me she was transferring me yet again. I told her that I was just going to make a report with the FTC ( I meant consumer finance ) because I refuse to be bounced around. 

Additionally, I would like to know why I have to PAY to be able to lock my credit file. It seems like something that should be able to be done as it is MY credit file, and Experian ( and the other two credit bureaus ) only aggregate the data and do NOT own my personal information.
Product: Debt collection

Portfolio Recovery calls with different numbers from XXXX XXXX to XXXX XXXX numerous times a day. They do not indicate what the debt is or who they are calling for. I have received no written notification other than repeated calls from them using different phone numbers for at least a year.
Product: Credit card or prepaid card

Unauthorized purchases were made against an XXXX XXXX XXXX XXXX XXXX  Charge Card.The Case Number for all of the Fraudulent transactions is : XXXX. 
XXXX. XXXX XXXX XXXX # XXXX - {$240.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX XXXX  XXXX XXXX MD - {$250.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX XXXX - {$210.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX XXXX - {$100.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX # XXXX - {$32.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX # XXXX - {$60.00} - Purchase Date - XXXX
Product: Credit card

I went in to XXXX XXXX XXXX clinic for a XXXX time appointment ( I had XXXX XXXX and some XXXX XXXX XXXX  for which I paid {$200.00} on my personal credit card. They convinced me to enroll in a care credit card because they explained that thats just how they did their billing. I was under the impression that this would work like any regular credit card. After the appointment I got my labs back and everything looked fine, no need for medication or return visits. The appointment was XX/XX/year>, I have not returned and do not plan to. After the appointment my credit dropped XXXX points, and once I received the credit card in the mail with instructions to log into my account I discovered that this clinic had charged me {$5800.00} on this new credit line. I contacted synchrony CareCredit to clear this up but they just stated that I was responsible for the charge. After speaking to their fraud department they had told me that they were cancelling my account and I wont be held responsible for the charge, but today I got a notice via email that the fraud department had denied my claim and told me once again that Im responsible for the charges on the account. Again, I have never used this card or credit line. I did not know that I was signing up for a front loaded credit line and I have my own insurance and dont NEED a care credit account. I was just completely misinformed by XXXX XXXX XXXX clinics billing representative. I feel I have been deceptively enrolled in this credit line and am being forced to pay off {$5800.00} of debt for services that I have never received. Again, the visit to XXXX XXXX XXXX clinic was paid for on a separate credit card. I have never authorized any charges to the Synchrony CareCredit account. I will be submitting complaints about both Synchrony CareCredit as well as XXXX XXXX XXXX clinic. I have not been successful in contacting XXXX, I will be visiting their office in person to demand an itemized description of charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

opened online suntrust account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on XXXX report
Product: Mortgage

Mortgage payment check was sent to Lakeview Loan Servicing XXXX XX/XX/2020. 
The check was for {$1600.00}. {$650.00} was for regular loan payment. {$1000.00} extra for principal. Lakeview only applied {$650.00} to our account. They refuse to apply the extra {$1000.00}. We have a copy of canceled check for {$1600.00} which was sent to them 3 times. We keep getting told they are researching it and will be resolved in a couple days. 
When the couple days pass, we get told the same thing again. We have {$1000.00} out there that has already been taken out of our account.
Product: Checking or savings account

I received a debit card from XXXX that I never applied for. 
My information was compromised months ago. I had my credit frozen after receiving a letter for unemployment benefits and a debit card from XXXX.
Product: Mortgage

this bank apparently is trying to block from refinancing my loan, i received the opportunity to cut my loan term from 30 years to 15 years and interest rate from4.75 % to 1.99 % and since XXXX XXXX i been trying to get the correct paperwork and payoff from Santander consumer USA XXXX spending several hour and frustration with different departments. when i received the first payoff it came showing a second lien with a balance of {$4700.00}, being the only stipulation to close on the new refinance, to provide a payoff showing balance {$0.00} on that " second Loan '', Santander bank gave me instrunction on how to pay the blance and i did on XXXX XX/XX/2021, ever since i been transferred and bounced from departments and departments and several supervisors with the promise of resolving the issue and i will receive the payoff in a couple of hours, im here on XX/XX/XXXX, almost 2 months after still trying to get a payoff and forbearance documentation explaining when my loan went into forbearance and when came out plus the payoff showing the second balance paid in {$0.00}. I'm about o lose the opportunity.
Product: Money transfers

PayPal signed me up without my knowledge or consent for a FRAUDULENT " line of credit '' of {$500.00} and defaulted my Ebay payments so that I payed by this line of credit when I actually wanted to pay using my credit card. I made a purchase on Ebay on XXXX/XXXX/2015 and was by default " steered '' to pay by Pay Pal credit. I contacted them immediatly and asked to pay by credit card and they said, " They could not take a credit card payment over the phone '' and made me mail them a check! I cancelled the line of credit, that I never opened with them in the first place, and then closed my Pay Pal account which I have had for about 11 years. Pay Pal is committing fraud, stay away from Pay Pal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reported on my credit report which I am unaware of who they are.I worked with XXXX law to get this removed in the past and it was removed from XXXX but not XXXX. I did not open this account back in XXXX of 2017 and have no recollection of this account but it is still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$8600.00} ; XXXX XXXX Balance : {$10000.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past few months I have received more than 10 Alerts thru my XXXX XXXX XXXX privacy assist with unauthorized credit inquiries. These have been across all 3 credit bureaus ( XXXX, Experian and XXXX  ). I have not authorized any of these inquiries and have no knowledge of how my personal information was acquired. I also received another alert from my Corporate Credit Card CompanyXXXX XXXX, about a similar credit card inquiry in my name as well as a XXXX inquiry. As none of these have been authorized I want to assure these are removed from each credit bureau 's file so that my credit is not impacted. I have also spoken with the 3 credit bureaus and have placed an alert and a freeze on my credit account file.
Product: Student loan

ACS Educational services was in charge of my loan repayments. However the loan is now in default- I never received a letter or email stating why or how it got to that stage and where the payments went or how they were applied to my account. I am in dire need of who I need to speak with to rectify the matter. But since my loans were consolidated I am lost on where to start. And I am upset this company played around with providing services.