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

I was pre approved for {$4200.00} for Upgrade+ via XXXX XXXX but as soon as I submitted the application I was denied. So I called customer service and the agent let me know I was denied because of public record couldnt match my SSN to a valid cell phone account. My cell phone is under my business XXXX not my SSN. We are not required to have a cell phone under our SSN. I asked was there any other way to verify my identity. XXXX the supervisor said no and I thought that was really unfair. I called XXXX to verify my name was added to my business account as well. They updated my account over the phone. Screen shot attached. However they said my XXXX does not need to be added to the account. The Last XXXX of my SSN : XXXX
Product: Student loan

I called Mohela on XX/XX/XXXX for XXXX reasons. To request refund and that XXXX XXXX payment was not posted on acct. 
I was told the refund of {$660.00} would be sent out around XX/XX/XXXX. I spoke to them again XX/XX/XXXX. Refund was not processed and was then told it would be XX/XX/XXXX. I then spoke to them on XX/XX/XXXX and it still is not processed and was being escalated. It is now XX/XX/XXXX with XXXX update and no refund. 
I have spoke to them also on XX/XX/XXXX regarding my XX/XX/XXXX not being posted on my account. On XX/XX/XXXX I provided a copy showing the funds were taken from my account and verified it went to the correct account number and payment address. Each time I spoke to them again on XX/XX/XXXX and XX/XX/XXXX again and was never given an update where my XXXX payment went to.
Product: Credit reporting or other personal consumer reports

When a bankruptcy is discharged, it means that the court has issued an order releasing the debtor from personal liability for specific debts. This means the debtor is no longer legally required to pay those debts, and creditors can not take any collection actions, such as lawsuits, wage garnishments, or calls, for those discharged debts. 

Here are key points depending on the type of bankruptcy : XXXX  XXXX Bankruptcy : Most debts are discharged relatively quickly, typically within a few months of filing, after the debtor 's non-exempt assets ( if any ) are liquidated to pay creditors. 

GET THIS OFF ALL CREDIT REPORTING AGENCIES AT ONCE XXXX  XXXX bankruptcy discharged Date filed XX/XX/year> Date resolved XX/XX/year> Responsibility Individual Reference number XXXX On record until XX/XX/year> Court info Court US BKPT CT VA XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, As you 've of course heard, the latest EquiFax data breach has compromised the financial security of over ONE HUNDRED MILLION PEOPLE.
Now, to protect ourselves, we have to put a freeze on our credit. This would n't be so bad if we did n't have to pay out of pocket. The fact that we have to pay {$30.00} to freeze our credit, to protect our most important information, because of this huge leak, which is 100 % EquiFax 's fault, is ridiculous. 

Freezing our credit should n't cost a single penny. This should be a free service. It 's like being assaulted, then paying the police on the side for protection. This is n't fair, it is n't right. 

Please, help us! We need you now more than ever. So many of us feel vulnerable, and like we have no control over what happens about this. We need your help, please!
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase card had made an error in there system and owned up to it but would not provide paperwork to back it up
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I made a transaction at a JCPenney in XXXX, New York, in which I was prompted to apply for the JCPenney credit card for a discount at checkout. The cashier reassured me that the inquiry would be a soft inquiry and that it would not show up on my credit report if I did not qualify. I am a student so I ultimately did not qualify, but as I left the store, I received a notification from XXXX XXXX on my XXXX report stating that the inquiry was processed as a hard inquiry. 

I first called the JCPenney customer service line and the assistant told me that that situation should have never happened and told me that they would open up a case on my behalf. I gave them my information but as of late, I have not heard back from them. I called the store after I viewed the hard inquiry on my report, to which the worker who responded told me that they would look into it and that they would call me back the next day. I did not receive a call from them so I had called them that morning and that evening, to which I did not receive a response. The manager of that store called me the next day and said that they would do " everything in their power to resolve the issue. '' I came back to the JCPenney location a couple of times to see if there was anything that I could do on my part to expedite the process, the first time being told that they would be in touch and the second time being told by a worker that " there was nothing that [ they ] could do. '' I waited 2-3 days to hear back from the manager and had not heard back from them, so I had decided to pursue the manner with XXXX directly as a credit dispute. I first called XXXX XXXX consumer report line, to which they advised me to obtain a letter of deletion from the credit card company. I called JCPenney 's credit card company asking for a letter of deletion, and I gave them my information as well as my address so that they could send me a letter to have on file. I made this call a week after I received the hard inquiry on my report and the assistant on the line told me that XXXX and I would receive the letter of deletion in no later than 15 business days and that the hard inquiry would disappear by the end of XXXX. On XX/XX/XXXX, over 35 days since I had made this phone call, I called XXXX again to see if they had received the letter from JCPenney, to which they responded that they had not received a letter from them and that the status was still the same on my report.
Product: Student loan

I took out a @ {$9700.00} student loan for my wife 's education in XXXX. In XXXX I entered into chapter XXXX. Navient, the private student loan servicer, did not respond to the bankruptcy courts request for debtors. Having not responded, Navient was not included in the repayment ( 100 % ). In XXXX I cleared bankruptcy. In the Spring of XXXX, my wife called Navient to start making payments and ensure I was removed from the loan. At that time, she was under the assumption she was the primary on the loan and did see a Navient student loan on her credit report at that time. She then began making payments. Those payments still showed on my credit report so it appeared all was well. In XX/XX/XXXX, I recieved a notice from Navient saying I was in default, and had not made a payment since XXXX. They also said the loan amount was over {$20000.00} at that time and I was the only person listed on the loan as the student. 
I asked for paperwork to prove the amount and that I was financially responsible and copies of the " notes about bankruptcy '' which the CSR told me existed. They did not send ANY paperwork until XXXX after me repeatedly requesting every piece of paper. In XXXX, I recieved only a copy of the original @ {$9700.00} loan and nothing further. I have since requested the remainder of the Information to no avail. I am NOT going to just pay {$24000.00} without proof of responsibility. Furthermore, I was not given any payment options in XX/XX/XXXX other than pay the balance. I need this documentation to see how to proceed. They have listed this debt as a charge off even though I told them I was in fact considered permanently XXXX back in XXXX as well as a Veteran. 
I read the CFPB complaint against Navient and many parts of my case sound similar. Can you please help?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX THIS INFORMATION IS NOT ONLY INACCURATE, ITS INCOMPLETE. 

What was the monthly payment for this account? XXXX XXXX is reporting {$0.00} and Experian and XXXX isn't reporting anything. Did the furnisher not supply you that information? 
What is the current balance owed to date? 
What was the date of first delinquency for this account? 
Why is Experian reporting a date of last activity as XX/XX/XXXX, while XXXX XXXX and XXXX report the date as XX/XX/XXXX? Which date is it? 
What was the credit limit for this account? 
Is this account past due? If so, how much past due is it and if not was it ever past due, and if so, how much? 
Look at the payment history. Why is it reporting as RF for XXXX and XXXX of XXXX for XXXX and then reporting on time for XXXX of XXXX and then back to RF from XXXX of XXXX to XXXX of XXXX? What is it? Why isn't Experian or XXXX XXXX reporting any payment history? 

This information is all over the place.
Product: Credit reporting or other personal consumer reports

I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) consumer rights to privecy and confidentiality under 15 USC 1681. I Would Like XXXX XXXX XXXX  to furnish a 1099c because The account was marked as a charge off they were to send me a 1099c and I have not received a 1099c, and if I don't receive the 1099c they filed within 15 days. and never received one via the mail or anything I will be filing a 3949a with the irs as that is considered tax fraud since I haven't received a 1099c. I would like this account removed from my credit report or furnish the 1099c. continuing to furnish information to my report that by law is wrong charge off is considered income by the irs
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I sent a cease and desist letter to Portfolio Recovery Associates. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I requested my account be closed after paying on time and requesting the final balance to pay and close the account from their service employee. I paid that amount and the agent said they would close the account. 

XX/XX/XXXX I was contacted by another XXXX employee saying I had an overdue balance of {$500.00}. I said tge account was to be closed and I had paid it in full. They said it had n't been closed and this was the account fee. I said that was their mistake and they should close it and not charge me since I had requested it be closed. They said they would close it out. 

On XX/XX/XXXX I was contacted yet again by another XXXX employee saying I owed late fees and over {$700.00} at this point. I had to go over the whole thing again and specifically told them they had better not report any late payments since this was all their mistake. She assured me she had taken care of it and that the account balance would be XXXX and the account finally closed. On XX/XX/XXXXmy account was finally closed as requested in XXXX, however they are still showing a 30 day and a 60 day late payment on my record which is damaging to me and my credit score. It 's incorrect as I never used them a payment much less was I late in it. This incorrect record must be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car XXXX XXXX XXXX XXXX in XXXX ny with a lease term of 20 months when the payment book arrived It was for 24 months this was not a problem I completed a full 24 months of payments there was no notification of a balance or anything about 6 months after I completed the loan I went to trade in the vehicle I was notified by the dealership that there was a balance of XXXX which is crazy because My car payments were XXXX per month The dealer explained that he would assume the balance owed and I guess that on my credit report it goes on as a charge off. On my credit report it shows that there was a XXXX balance which has gone up from the XXXX dollars that I never owed in the first place I recieved the care in XX/XX/XXXXI traded the car in, in XXXX of XX/XX/XXXXso there is no way that I ever owed a balance let alone was able to keep this car 3 years after the term.. My credit report shows that I made 70 % of payments which is completely false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. ARKANSAS XXXX XXXX {$1100.00} XXXX OF AR XXXX {$4000.00}
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report. These fraudulent entries have had a severely detrimental impact on my financial standing and have caused significant distress. I have diligently followed your company 's established procedures for reporting fraudulent activity, provided all requested documentation, and submitted detailed explanations of the discrepancies. An apology for the undue stress and financial harm caused by the presence of these fraudulent entries on my credit report. I sincerely hope that such measures will not be necessary and trustthat your company will act swiftly to rectify this situation. I am asking for your assisstance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The original financed amount of this car loan ws {$17000.00}. We have paid so far {$31000.00} because of late payments and nonsense fees. The representative explained that there is still a principal balance of {$3200.00} because so much of our payments was applied to these fees and interest charges. 

That means {$13000.00} was not for the car. 
{$12000.00} went to interest and {$680.00} was applied to late fees. 

Now I realize late payments impact a car loan, but this is usury.
Product: Credit reporting or other personal consumer reports

XXXX IS SHOWING XXXX ON MY XXXX XXXX XXXX XXXXXXXX THERE IS NO XXXX PAYMENTS BEING MADE ON THIS XXXX ACCOUNT. 
THESE IDIOTS ARE COMMITTTING FRAUDELENT REPORTING WITH XXXX. 

THIS IS NOT TRUE AT ALL THIS ACCOUNT IS CLOSED! 

THIS IS LIKE MY XXXX COMPLAINT AND XXXX IS NOT GETTING ANY PROOF THEY ARE JUST GOING BY WHAT XXXX XXXX IS TELLING THEM! 

I WANT PROOF OF THESE PAYMENTS FROM XXXX TO XXXX SHOWING THE AMOUNT OF XXXX I NEED CHECKING ACCOUNT RECEIPTS, DEBIT CARD RECEIPTS OR ANY TYPE OF RECEIPTS. 

IN ADDITION PROOF THAT THIS ACCOUNT IS STILL OPEN. THIS ACCOUNT IS CLOSED! 

IN ADDITION, SHOWINT XXXX MISSED PAYMENTS OUT BY TIME AND THE MISSED PAYMENTS IS FRAUDELENT ALSO. 

THIS IF FRAUD! AND XXXX DOES NOTHING ABOUT IT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to XXXX XXXX XXXX which is reporting a charged off account of in the amount of {$23000.00}. JPMBC Card reporting a charge off account for amount {$23000.00}. Another JPMCB Card is also reporting charged off account in the amount of {$51000.00}. I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My loans were held with XXXX from XXXX. During this time, I was Never told about PSLF, or put or offered and IBR plan. I was put on a graduate plan and then in forbearance. This was proven in the lawsuit, however, paying the borrower a check for {$260.00} will not help with almost three years of payments that could have counted for PSLF waiver. 

The forbearance periods all need to be counted retro back to 2007. So much forbearance steering took place. XXXX is a prime example and did this to me.
Product: Debt collection

On XX/XX/2021 I closed an Internet Account with XXXX. They sent me a final statement in XX/XX/2021. In XX/XX/2021 a company called SW credit systems inc went on my credit reports. I didnt receive any notice at all from SW credit systems inc in the mail or by phone. I didnt even know anything about collection yet within a couple of weeks they went on my credit reports. I spoke with XXXX many times and they did have Southwest credit removed from my XXXX  credit report however it is still listed on XXXX  and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Despite my attempts, TransUnion has not responded to my request, and the following discrepancy remains unresolved. I kindly request your assistance in rectifying this issue and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : TransUnion has reported that my account with XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$27000.00} ) was never late. However, I want to clarify that this account does not belong to me, and I request that TransUnion corrects this inaccurate information on my credit report. 

As a consumer, I believe TransUnion has an obligation to respect federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). In accordance with the FCRA, I kindly request that TransUnion promptly verifies the accuracy of the disputed account and provides me with a written response detailing the actions taken to resolve this matter.
Product: Debt collection

After the account was settled in full per the settlement agreement dated XXXX XXXX, 2016, the attorney offices representing the creditor failed to file an Acknowledgment of Satisfaction of Judgment with the court. This non action on their part is causing hardship and additional expenses. This office is non-responsive most of the time or provides untruthful information : it was communicated that an Acknowledgment of Satisfaction of Judgment will be filed with the Court within 30 days ; it 's been 90+ days since they cashed the check.
Product: Credit card or prepaid card

I have a credit card with Chase Bank and I have never been late since account was opened. On XX/XX/2022 Chase Bank closed my credit card account with a positive balance of about {$4100.00} without my knowledge or consent. Chase Bank reduced my available balance to {$0.00} without refunding the credit balance to me. When Chase Bank closed my account they sent false and inaccurate collection balance information to XXXX and other data furnishers, Chase bank did this without any regards to the potential damaging impact it would have on my credit rating