23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Starting XX/XX/2022 I submitted an application to remove a co-signer off my student loan. I submitted the completed application with my pay stubs. 

Approximately 2 weeks later on XX/XX/XXXX, I was notified my paystubs were not sufficient since my employer was not listed and I would need to submit a W-2. 

On XX/XX/XXXX I was noticed my application needed my phone number and gross monthly income. I once again resubmitted my application. 

On XX/XX/XXXX I was notified I needed to submit a copy of my social security card even though the application asked for either my account number or last 4 of my SSN. Later the same day I was told I needed to show proof of income which was already sent on XX/XX/XXXX. 

XX/XX/XXXX, I was told I needed to validate my physical address and today XX/XX/XXXX I am being told my application is missing my gross monthly income. 

It has been a never ending cycle with this company and I just want to get the co-signer off the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in looking over my credit report and I found several accounts that does not belong to me. I have never done any business with the following companies and I demand a re-investigation of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like a security freeze on my credit file until I can figure out the issues with the unknown accounts>
Product: Checking or savings account

I had XXXX credit cards with Citi and clicked on an offer on the app for a high yield checking account. I decided agaist completing the application once I realized there were no branches near me, yet the account was somehow opened as I can see it on the app. I never received the debit card. Clicked to lock the card and they automatically resent me a second card I did not request and never received. I have called citi on XXXX occassions and they refuse to close the account stating I cant be verified because I cant remember a secret word I did not create when opening the account. They wont verify me any other way but by this secret word. They gave me no other options to verify me or to close the account, and the closest citi bank is in another state hours away from my home. In the app I saw the account was going to close within 14 days due to innactivity, so I thought the issue would resolve on its own. However, the account did not close and it is now charging me fees. I am stuck and cant get help by phone or throught online chat. Online chat says I have to call to close the account but I get no help when I call. Talked to a XXXX who gave me no other options or alternatives for verification or to close by mail. They only give me 3 chances to guess a secret word that can be anything as there is no secret question. They wont close the account or lock the lost debit cards. Tried to get fraud involved and the citi representative gave me another number to call that wont answer my calls. It just says try your call another time.
Product: Payday loan, title loan, personal loan, or advance loan

I'm trying to get an emergency personal loan and its dening me saying my SSN is suspicious and its not I answered all verifications and its me yet I cant get a loan cash advance or even open a XXXX. now I did do this to protect myself but its not letting MYSELF do anything please fix it I even took the id theif off my experiane
Product: Student loan

Hi, I consolidated my Federal student loans many years ago with Mohela and signed up for the graduated repayment plan. This plan is supposed to increase repayment every XXXX years in order to pay the loan off at the estimated time. I recently started to dig into my payments and I've notice they have not change for a LONG time and now it is saying that I wont repay them until XXXX!! I graduated college in XXXX. The payments have not increased over time and I am barely under my original principle amount. I have even looked into the repayment options and I do not see the graduated repayment as an option anymore so I feel like my loan has stopped being serviced quite some time ago. I feel like I have been paying interest only payments all these years when i should have had automatic increases and my principle should be much lower than it is now. Mohela really messed up here. Please help!!!
Product: Debt collection

I was recently served a civil summons from the XXXX County Sheriff 's department. The collection agency listed on the summons was an agency called Brock and Scott.  Prior to the receipt of this summons, I did not received a notice of my right to dispute. I was not even given the opportunity to challenge the debt prior to a XXXX County deputy showing up on my doorstep. Additionally, I live in XXXX County so this company did not even file the paperwork in the proper county.
Product: Credit reporting or other personal consumer reports

I applied only twice as instructed first time was as a co borrower application but I was instructed by XXXX to apply by myself but I gave notice to the lender about multiple inquiries but she stated they don't do that but I have proof that they did.
Product: Mortgage

I purchased a home at XXXX XXXX XXXX, XXXX, NJ, XXXX for {$450000.00}. They claim they have no record of me ever having a mortgage agreement with them. I believe I also initially filed a report on here and Wells Fargo did reach out to me after. However, they claimed they have no records of me ever purchasing a loan or mortgage with them, so I assumed I was out of luck until my son found the information from the municipal courthouse of XXXX with the docket number and who, why, what and when. I asked them how is that possible? I remember sending the down payment of my life savings of almost {$72000.00} to Wells Fargo NA ( I do not recall the rest of the name but for some reason I do recall it said 'Wells Fargo NA ' no clue why NA after ). 

I missed a payment and told them I would have it in a few days. A gentleman who called me from Wells Fargo, told me not to make the payments as he told me Wells Fargo will offer some relief on the interest rate if I was having trouble making the payments. He told me it would take 2-3 months to revise the interest rate to a lower percentage and revised amount would be billed to me with a savings of a large amount ( I believe it was around {$300.00} a month savings I am not certain as some time has passed ). A few months later, I did receive a bill with a slew of fees, title fees and all this and that. I told them I was not informed of these charges prior because I would have never consented to it, and I just wished to pay my original monthly mortgage amount. They told me that is not possible anymore, and no payment would be accepted unless in full, and if I could not pay this amount a foreclosure would commence. I sent the remaining balance of the old mortgage payments, but it was never accepted. It seems they just wanted me out of there as soon as possible as if it was nothing to them. They did nothing at all to assist me keeping my forever home. I asked for resources, and they told me there was none. 

I was baffled and my family of five prepared for the worst. I had no clue what was going to happen, but I knew it was not legal nor ethical. How could they just take my home? I came to this country for these protections. They told me it was the 'end of the line ' and it was not wells fargo problem any longer. After the foreclosure, I never recovered financially and am renting with my wife to this day and relying solely on social security as well gov't subsidies. My current is rent is {$2400.00} and my mortgage was {$2700.00} monthly, which hurts me deeply. This caused my children to naturally resent me and call me XXXX  dad when it was not even my fault. If it was my fault, I would sleep a little better at night.
Product: Credit reporting or other personal consumer reports

I have a current open complaint but I received a correspondence from the company and they are only partially finished rectifying the errors I have previously brought to their attention. 

I have beenXX/XX/XXXX since XX/XX/2015 I pointed out that every and any account reflected after that date is not authorized and should be removed because they are clearly fraud.
Product: Debt collection

I contacted the law offices of Glasser and Glasser in Virginia at XXXX to resolve the unpaid balance of my XXXX XXXX account. A male XXXX, XXXX XXXX failed to make a disclaimer stating the call was being recorded and any information obtained would be used to collect a debt. I advised him that multiple attempts to discuss my account had resulted in hang up calls. He located the account by first and last name after I declined to provide my SSN. He then verified the name, address and last 4 digits of the SSN on my account, apologized that other reps hung up and proceeded to hang up as well. The total length of the call was 7 minutes and the call was " disconnected '' with no follow up call even though I asked that he confirm the phone number in case we got disconnected. This happened repeatedly and resulted in nonpayment.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 

I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. 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 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 or other personal consumer reports

IC SYSTEMS account # XXXX The date of last activity was over 10 years ago and this is over the statute of limitations to be reported on the credit report. I am not aware of ever having an account with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX FL XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Debt collection

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past three years I have reported to all three credit companies on inaccurate information and accounts being reported. Equifax is the only company reporting inaccurate information after having reporting this issue to them more that 7 time. They have fail to provide written proof of signature or any valid proof between myself and these companies who they claim I have debt with. The other two credit companies have investgated my claims on these same accounts and have since removed them due to lack of absolute proof that these accounts are mine. Also the amounts on these accounts have gone up since I first reported one being this XXXX XXXX that I have never lived it started off at XXXX and now its at XXXX for a apartment that I have never lived at nor had any contact with they are reporting addressing in the city of XXXX XXXX that I have never lived after they where removed due to inaccuracy, social security number that doesn't belong be me nor have I XXXX XXXX XXXX have ever used. This is the third time this year in 2018 I have reported this. Each time i have side something the all the information in the accounts change dates, balance everything thing and these accounts aren't mine.
Product: Debt collection

I receive my credit report on XX/XX/2019, for {$150.00} from this collections company Medicredit Inc., I do  not owe this debt and want it removed from my reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation! You broke the law!! I have enclosed all documents which includes ( Previous CFPB Complaint, Copy of Driver License, Identity Theft Report, Statement, & instructions ). PLEASE SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Notice of Default This is a notice of default with the opportunity to cure. 

XXXX. ) On XX/XX/year>, receivables sent to American Express XXXX XXXX XXXX XXXX XXXX, NY XXXX via certified mail tracking # XXXX delivered to an agent signed by XXXX XXXX on XX/XX/year> at XXXX, with return receipt tracking # XXXX delivered to my postal address XX/XX/year>. 
XXXX. ) On XX/XX/year>, receivables sent to American Express XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, article address to XXXX XXXX, title Treasurer in American Express Third Supplemental Indenture. Appointing XXXX XXXX with Medallion Stamp Guarantee, which preventing the Unauthorized Transfer of Securites by certified mail tracking number XXXX ; delivered XX/XX/year>. Certified article signed by agent XXXX XXXX on return receipt tracking number XXXX delivered to my postal address. 
XXXX. ) On XX/XX/year>, securities sent registered mail to American Express XXXX XXXX XXXX XXXX XXXX, Tx XXXX General Information/Investor Relations Dept with confirmation tracking number XXXX delivered XX/XX/year> at XXXXXXXX XXXX 
XXXX. ) Dated XX/XX/year> ; American Express mailed a letter to a postal address I no longer reside at, attached with this Notice of Default letter. 

As of today, XX/XX/year> no one responded other than a breach of fiduciary duties letter ( letter sent dated XX/XX/year> ). This is an opportunity to cure this matter. The next step will be filing a complaint with the Federal Reserve, the Comptroller of the Currency and the Board shall prescribe Regulations establishing such procedures as may be necessary to carry out in the Federal Reserve Act section 29., Civil Money Penalties. Requesting maximum amounts of penalties for the violation described in subsection ( c ), requesting 1 percent of the total assets of American Express Bank if not cured.
Product: Credit reporting or other personal consumer reports

There is diferents SSN in my credit report, and that show my credit report resut for identity theft.I formally request that the following inaccurate items be immediately investigated.They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days. 
I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.Please send me my updated report as soon as your investigation is completed. I personally signed and sent this letter. Sincerely,
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX XXXX  : XXXX XXXX  Account XXXX : XXXX TransUnion : XXXX Account Number : XXXX
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

As reported on XX/XX/2022, Transunion reported a data breach resulting in my social security number, financial account numbers, drivers license number and name being compromised. As a result of this breach, I demand the account that I previously reported as fraudulent be removed, deleted and blocked from my consumer report immediately including : XXXX XXXX, XXXX, XXXX XXXX, XXXX, Department of XXXX  and Department XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting has violated my rights act # 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 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 602A section 2 states a consumer reporting agency can not furnish account without my writteni instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Since 2015 two cards were opened at Chase. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at Chase Bank. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting chase about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.
Product: Debt collection

KLS FINANCIAL SERVICES INC violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. KLS FINANCIAL SERVICES INC added a collection to my credit reports without my knowledge. I have never received any written correspondence from this company at all. KLS FINANCIAL SERVICES INC reported this collection to XXXX, XXXX, and XXXX. For the amount of {$170.00} and {$400.00} Opened on XX/XX/2014. This is invalid, I have no knowledge of where this comes from. I have not received any written correspondence from the original creditor or this company. KLS FINANCIAL SERVICES INC put a collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I HAVE NO CONTRACT WITH KLS FINANCIAL SERVICES.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a fraudulent late payment reported on my Equifax consumer report for a XXXX account in XX/XX/XXXX, which stems from Equifax 's massive data breach between XXXX and XX/XX/XXXX. During this breach, Equifax failed to maintain adequate security measures, leading to the unauthorized disclosure of my sensitive personal information, including my name, Social Security number, date of birth, and credit-related information, impacting over XXXX XXXX Americans, including myself. This breach violated my rights under the Privacy Act of 1974 ( 5 U.S.C. 552a ) and other applicable laws. The reported late payment was added without my written authorization, violating 15 U.S. Code 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

recently there was a motorcycle accident and I was asked to pay for the damages and I agreed to ay the amount they asked for which i did $ XXXX at that time I asked if this was the total amount and the collector stated yes. XXXX he is stating that I have to ay them another XXXX dollars and I also said i would do so, I have been making payments every month of {$100.00} sent to them by money order with the XXXX ID # XXXX I have not missed a payment. Now this collector XXXX XXXX of the National Service Bureau, has threatened to have my drivers license suspended, is rude calls me and says that the way i am paying is not acceptable he wants my bank account number and has even told me to just go the store and buy a pre paid card and give him that number, when i stated that no i would not and he can not have my bank account number he hung up, He is very nasty and rude even after I have been making these payment as i stated i would. If he does not like the money orders then maybe he should bay this additional money himself. I am afraid if i argue with this individual he will cause me to loose my job and he will have my drivers license suspended because i have not done it in the way he wants. 

They are getting their money and i feel this harassments is uncalled for and this is causing me great distress. I am trying to do the right thing and he is going to make it so that i just say NO MORE if he does not stop the never ending harassment 's