23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX of XXXX, I was in the process of purchasing a home only to find out that I had defaulted on my student loans. I had filed bankruptcy in XXXX, and my loans were placed into forebearance. During which time, my loan servicer XXXX was found to have used fraudulent practices and loans were being dismissed. So, when I called to check on my loans, there was no record of them existing. I assumed my loans were dismissed. This was several years ago. 

My student loans just came up again this year in XXXX so XXXX trying to rectify the situation. It was revealed to me that XXXX and XXXX were reporting my loans under an incorrect social security number. Therefore, I corrected that error by providing a copy of my social security card. Now, I feel like I am getting the runaround from XXXX. XXXX being told that I can not take advantage of the programs offered on the XXXX website because they are not my loan servicer and just a holder of my loan. However, The Department of Education told me that XXXX is the servicer of my loan. At this point, I want to come out of default status and do whatever I need to do to be in good standing. Unfortunately, I am not able to pay what is owed in full. I would like to take advantage of an income based repayment program that will bring me back into repayment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, You have violated the law. Under the FCRA 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I the consumer never gave EQUIFAX any written consent to furnish a report or report anything on my consumer report, No consent is identity theft. A copy of the identity theft report is attached. As pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) to be paid {$1000.00} per violation by check, all violations are stated in notarized affidavit provided as an attachment
Product: Debt collection

Hello, I am concerned that a debt that the Law Offices of Harris and Zide are threatening wage garnishment for a judgement on a credit card that I am not familiar with. They say that there is a judgement but the judgement is n't showing on any of my credit reports. Also when I asked for them to verify the debt they had sent over a blank unsigned copy that resembles a legal document. I was never served and this " credit card '' XXXX and I have never had a XXXX bank credit card, nor have I ever had a judgement on any of my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been ignoring my formal dispute letters for over 92 days now. I sent them all these letters via USPS certified mail green receipt return. I have implored them to investigate several inaccurate accounts which are negatively affecting my credit report and reputation. However, they continue to blatantly violate the Fair Credit Reporting Act ( FCRA ) by not responding to my past letters, not investigating, and not taking any actions in accordance with federal laws. Attached below is the most recent letter I sent them which they are in receipt of and have once again failed to act on in over 30 days as the FCRA outlines. At this point in time unless they delete these inaccurate accounts immediately, with the help of my local State Attorney general I will engage in litigation against them.
Product: Credit reporting or other personal consumer reports

Complaint Description : I am filing this complaint because said reporting bureau has not accurately reported and/or updated my personal information on my credit report. I am entitled to a fair and accurate credit report and that includes my personal information.

Incorrect Personal Information : Not my name : XXXX XXXX XXXX Not my address : XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Not my address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Fl XXXX Attempts to Resolve : I have attempted to resolve this issue by contacting the bureau through mail, but I have not received a satisfactory resolution or explanation for why my personal information has not been updated correctly.
Product: Credit reporting or other personal consumer reports

XXXX please remove XXXX XXXX  for XXXX dollars, this account is not mine. I do not recognize this account at all, this account is fraudulent, I want this account removed immediately someone has used my name and information to open this account in my name and please also please remove XXXX inquiries in my credit report, I did not check my credit report or run it please remove these asap thank you And credence resource manage for XXXX this account is fraudulent it is not mine please remove this account
Product: Credit card or prepaid card

On XX/XX/2020, my XXXX Bank XXXX had XXXX transfer reversal from XXXX had been receiving XXXX benefits for a XXXX plus.Then I wake up with no money.I have talked to XXXX XXXX Bank XXXX XXXX and they all pass the blame to XXXX.No warning or explanation.I called for XXXX months trying to get the transaction history on my account mailed to me.I finally received them a XXXX ago.I have a screenshot of the transfer reversal.
Product: Prepaid card

Greetings, I am in a perpetual Customer Service XXXX XXXX XXXX with this company. In XXXX I was the recepient of numerous Gift Cards ( Virtual ) from this company which were a part of a class actions settlement payout. 

I received emails for each and every one of these payouts which ranged from {$1.00} to {$36.00}. Many of them exactly one of those XXXX amounts. 

At a certain point, XXXX stopped or blocked me from redeeming these virtual gift cards regardless of the denomination. It's now gotten to the point where the expiration dates for all of these cards has passed and I now can not even use them as their customer service loop has never ended, making for them all expired. 

I have a list of each and every one of the virtual gift cards by the following data Card Number - Expiration Date - CVV and Balance It's a total of {$14000.00} by my count. 

At this point given the lack or disappearance of their customer service I am now asking for help here. 

Many times I have merely asked for them to be reissued virtually, however given the inability to do so by this company, I would like the total amount to be issued as one check or one physical gift card to me by certified mail. HELP. 

Upon request I will gladly provide the card info previously referenced. Additionally I do have each of the emails
Product: Credit reporting or other personal consumer reports

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

I am writing to formally request the removal of the account listed below from my credit report. I have been a victim of a data breach, and the information used to create this account was obtained without my consent. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts blocked and permanently deleted from my credit report. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've been contacted multiple times by email in connection with a debt that I don't owe from a company I don't recognize. The debt is also listed on my XXXX credit report. The companies name is XXXX XXXX XXXX. They have sent me emails asking for payment in the amount {$1000.00} on XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020.I 've never heard of the company before and the same debt is listed on my XXXX credit report as being owed to LVNV Funding, LLC. I've never done business with either company and believe this is fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the end of XXXX I sent in a request for several accounts to be corrected. These accounts to this day are not being reported correctly and actually at this point should be deleted due to how it is being reported on my credit file. I have disputed how the information is listed on my credit file with both Experian and XXXX. Both of these CRA have not corrected the issue and yet allowed one of the companies to continue to update a closed account. XXXX XXXX and XXXX XXXX has been disputed greater than 30 days ago and by law, they are not marked as 'disputed by consumer ' which is in violation of CRA reporting. As you see listed in the attached documents, all the other disputed items are remarked as 'disputed by consumer '.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX XXXX account open on XX/XX/XXXX and XX/XX/XXXX I have no knowledge of these account they were deleted of my credit report at XXXX point I been a victim of many glitches were my identity has been stolen through XXXX XXXX XXXX, the post office as well as Experian and I also. Have a fraud alert which I am never notify of and inquiry made on my accounts I have try requesting validation of these account and have not received any they just update the account with out removal I want the accounts removed I also have a hard inquiry that I did through Experian and it was said I will not affect my credit and it did from XXXX XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I established an investigation of some accounts with erroneous information and after reviewing the Credit Bureaus ' response I perceived that the disputed accounts are still incorrect, with verified status. Related information similar to this is amazingly harmful to my current credit record. Please provide that the particular information is 100 % verifiable and accurate. Please investigate and correct the following accounts : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  Reference # XXXX Date XXXX
Product: Student loan

When beginning my college career at XXXX XXXX University, I had a federal loan. My second year I had missed a deadline and had to get a private loan. I came across ACS and they were willing to help me. I ended up using them throughout my years at XXXX from XXXX to XXXX and it was great. They recommended deferments etc. when I finished as I was not making a lot of money. Once I was no longer able to do push back any further, the nightmare began. I told them I could not pay what they wanted at the time and wanted to give them as much as I could. I even sent them my pay stub! Anything I could do to show them that I was just hurting and want to pay. Customer service as ACS is ridiculous. No one is willing to talk to you. help you, and they follow up on nothing. I continued contacting them on the same issues over and over and paid everything I could. It got to a point where I wanted to get a lawyer to help me. After hearing no response from ACS at all and just paying what I could on their ridiculous payments, fees, interest rates ... I receive a court letter claiming ACS is suing me. I had the opportunity to rebuttal and sent everything I could to the courts. All the emails between ACS and I, payments ... everything. I wish I could have the phone calls that they " record '' while attempting to speak with customer service. Well, my rebuttal to the situation was obviously denied by the judge because ACS is big business and no kid can stop them. I go to a lawyer to see my options. He says I can not file bankruptcy on private loans and I should just pay them! Not to mention this whole time while making payments and fighting with them I am being assessed a ton of fees on XXXX separate loans from them. So, finally we reach a point where we settle on a payment starting XXXX XXXX at {$210.00}. That 's great except it is all going to late fees and interest. Then XXXX XXXX they raise it to {$310.00} and that is all going to interest now. I ask them why it went up and all they can say is that that 's just how it is. I have {$170.00} TOTAL paid to my principal. Now today as we speak I have not missed a payment since we agreed to this settled payment amount ( well that lasted 1 year and was raised ) and now I go to schedule my payment and it is all zeroes and says " in collection ''. I am sorry if this story sounds long, jumbled, and crazy but I have been fighting with this company for so long that it really is crazy. I just feel like there is nothing I can do but sit back and get robbed with no help from anyone. These guys need to be shut down. I will tell anyone going to school do not mess with ACS. I saw consumer finance and this just seemed like a place who would listen and maybe give me a louder voice. Thanks for the great work.
Product: Checking or savings account

As earliest as last week I inquired about an account that I am next of kin of a deceased person, and the bankers claim it doesn't exist, however it has been confirmed and even rolled over to someone else, and I have started the legal work to finalize the abuse that I have incurred as the result of these bankers thinking I don't know what I'm comprehending. 
They have even tried to stop the facsimile via email from connecting, and my phone calls through the XXXX XXXX XXXX XXXX by shutting or suspending my service after each phone calls, and didn't close out my booking number when I was falsely imprisoned for a past friends false accusations.
Product: Credit card or prepaid card

On XX/XX/2020 I was submitted to an online prequalification system without impacting the credit history on the capital one website. 

However, the system obtained a copy of my credit history without my permission, a hard inquiry was made. 

I only authorized the prequalification without impact on the history, but I did not authorize the application. 

I kindly ask you to remove the hard inquiry.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 ... XXXX XXXX XXXX VIA XXXX REQUESTED CREDIT CHECK ON ALL 3 MAJOR CREDIT AGENCIES. 

I CONTACTED A CORPERATION WHO MADE THE REQUEST AND REPORTED FRAUD. THE COMANY ASSURED ME THAT THE CREDIT INQUIRY WOULD BE TAKEN OFF ALL MAJOR CREDIT REPORTING AGENCIES, BUT FAILED TO DO SO. 

I ALSO WENT ON FREE ANNUAL CREDIT REPORTS, AND COULD NOT DISPUTE THIS PROBLEM AND SOMEHOW DURING MY DISPUTE WITH TRANSUNION I WAS DISCONECTED COMPLETELY AND WAS NOT ALLOWED TO GET MY CREDIT REPORTS. THIS HAPPEND ON XX/XX/2019 AT AROUND XXXX XXXX. 

I TRIED TO GET BACK ON FREE CREDIT REPORTS AND IT SAID MY SESSION HAS ENDED. ALL THREE SESSIONS WITH THE MAJOR CREDIT REPORTING AGENCIES. 

I FEEL THAT I WAS NOT ALLOWED TO CORRET THE ERRONEOUS MISTAKES THAT WERE PERSONAL AND OTHER. 

SOMEONE NEEDS TO REPORT THIS PROBLEM TOTHE FREE ANNUAL CREDIT REPORTING SITE. LET PEOPLE HAVE THE DAY FOR THEIR FREE CREDIT REPORT ... AND DONT DISCONECT THE PERSON WHO IS TRYING TO DISPUTE WRONG CREDIT AND PERSONAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already contacted the collection agency however I need these items removed because of improper use and reporting
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX. XXXX, XXXX. 
Since Then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a decision of the following account. I am demanding a deletion of the following account : Account Name : XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. 
XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

I notified my bank, Wells Fargo, that I have fraud on my card in the amount of {$25.00} and again in the amount of {$400.00}. I contacted police and told Wells Fargo bank. Wells Fargo said there was nothing they can do. They said FDIC does not cover these transactions at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I sent a letter regarding wrong and inaccurate things on my credit report. To this day, over 60 days, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those from my credit report immediately, and it's been over 60 days, so they should be deleted promptly. Also, my information was impacted by the Equifax data breach and may have gotten into the wrong person 's hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB Complaint serves as a follow up CFPB Complaint for my previous CFPB Complaint requesting that the Credit Reporting Agencies investigate and remove the accounts that resulted due to fraudulent activities. On XX/XX/2023, I sent a dispute letter to each of the Credit reporting Agencies to have the accounts removed from my Credit File. In those letters I attached copies of my personal identifying documents as well as the FTC report I received from the Federal Trade Commission for reporting the fraudulent accounts on my Credit Reports. I request the Credit Bureaus to thoroughly investigate the following accounts and have them removed from my Credit File in accordance with the Fair Credit Reporting Act section 605b : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3300.00}. These accounts were never made by me nor did I authorized anyone on my behalf to do so. These accounts are clearly fraudulent and must be removed from my Credit file the sooner the better. I have attached the letters I sent on XX/XX/2023 for I fear that the letters I sent would not be received by the Credit Bureaus. This complaint serves as my assurance for the Credit Bureaus to receive the letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank has willfully violated 15 U.S.C. 1681 S2 Responsibilities of furnishers of information to consumer credit reporting agencies, and other violations of the Fair Credit Reporting Act. On XX/XX/2021 I sent Chase Bank 2 ( two ) US Mail Certified letters. I requested a goodwill credit card adjustment on 3 ( three ) separate credit card accounts that I purchased, and had reassigned the credit card debts to myself. My request falls under 15 U.S.C. 1681 s2 of the Fair Credit Reporting Act, which I had stated in the two requests. Chase Bank received the requests on XX/XX/2021. On XX/XX/2021 I spent 3 hours on the telephone with Chase Bank representatives. They told me that they could not and would not help me. I sent the first request to the Chase Bank Correspondence UniXXXX in XXXX, OH and the other one to their Chief General Counsel XXXX XXXX XXXX via certified mail. While on the phone with a representative, they did admit that they did indeed receive the two request by looking up the US Certified Mail tracking number. They stated to me during the telephone conversations that they could not and would not help me. I do believe that their actions prevented me from exhausting my Administrative Remedy Process. I wish to submit this official complaint and request that you investigate this matter in your official capacity. also I am enclosing all of the documents that I had Sent Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying to dispute inquiries on my XXXX, Transunion and XXXX  but every time they don't remove the inquiries and they are still on my report. I did not authorize these inquires and they are fraud which i explained to them but they wont remove them.
Product: Checking or savings account

I have ( had ) a money market account with PNC Bank that was an account I was not going to be using. When the bank moved from Compass to PNC, I asked them if it would be a problem to keep it without use in their bank, as with Compass, I did not have that problem. They assured me it was not an issue with them as well, and my money would be secure and making small interest ... Come XXXX, when I received and was looking at my bank statement, I see that my balance says XXXX with a deduction of XXXX. Escheat closing... I immediately called the bank, and they told me that due to me not using the account, it was closed. I explained that this was not going to be a used account. I received no help from the phone person ( XXXX ), who only gave me a number to call, when I did call it says they do not have to mail a letter. Getting no help or call back from the number given to me. I Went to the bank, asked why I never received a letter telling me I could possibly loose the account if I did not go in. They had no good answer and I have been getting the run around from them there. I was told I had to contact the state ( they now have my money ). They have not tried to help me. I need to know who to contact. Or what to do, where to go to get my money back. This is just not right that I have to chase my money around.
Product: Debt collection

I am reaching out as a victim of identity theft and to dispute all accounts that has been fraudulently opened in my name. This account is not mine, and I am requesting that it be promptly removed from my credit report. I was XXXX  Unfortunately in 2023 & my wallet with all my personal information was stolen while I was Away & Came Home With My Credit being Used & Stolen