23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Two credit card accounts were opened fraudulently in my name in XXXX and XXXX of 2022, respectively. One with XXXX XXXX and the other with XXXX XXXX XXXX XXXX. I immediately contacted both companies once I became aware of the fraud and they each closed the accounts and sent me confirmation letters. Both Equifax and XXXX both still show credit inquiries from both creditors still to this day and they tell me that the only way to get them removed is to start a complaint with the CFPB.
Product: Student loan

I attended XXXX in XXXX, MA and graduated in XX/XX/XXXX with a XXXX in XXXX. I have XXXX outstanding XXXX XXXX ( now Navient ) " Smart Option '' loans and the six month grace period has ended. The principle & interest payment of {$850.00} have now come due starting XX/XX/XXXX, this payment is based on a 10 year payback term ( I believe ). I have contacted Navient in an effort to discuss repayment options available to me and was told because of the type of loans I have, I can not be considered for an extended repayment. The only program that I could qualify for is a temporary rate reduction, which will only reduce the monthly payment to {$670.00} for 15 months. I feel that it was not made clear to me back in XX/XX/XXXX when I took out the first Smart Option loan, that this type of loan would not be eligible for any time of extended repayment plan. I thought by choosing a loan where I paid a small monthly payment while I was in school, it would help pay down the interest a little bit and reduce the monthly payment. It seems I 'm being punished for making monthly payments while I was in school and now that I 'm out and only earning a low salary, I have no options to extend the repayment terms. I 've spoken to supervisors and a manager at Navient and have n't been able to make them understand that a temporary rate reduction or a forbearance will not solve my problem. My main concern is that XXXX XXXX did n't make it clear that by choosing a Smart Option loan your repayment options at the end are extremely limited. I was told that the original promisory note that I signed states that it is a fixed payment but my understanding was that they were referring to the $ XXXX for each of the XXXX loans during the time I was in school. I feel that XXXX XXXX demonstrates deceptive and unfair loan practices.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX Balance : {$14000.00}
Product: Checking or savings account

On or about XXXX XX/XX/2018 I opened three accounts ( Checking, Savings and Business Checking ) with Chase Bank downtown XXXX, Wisconsin ( XXXX XXXX ). The very same day I took the necessary steps in utilizing Direct Deposit with Social Security Administration and Chase Bank. 

In the months of XXXX, XXXX and XX/XX/2018 I still received Paper Checks from SSA. On or about XX/XX/2018I contacted Chase Bank and spoke with Its Bank Manager XXXX XXXX XXXX and he claimed that SSA was at fault for Discontinuing the Direct Deposit. I disputed that assertion and or allegation by explaining to him that SSA Promotes Direct Deposit and XXXX XXXX XXXX. He then informed me that he will make sure that I receive the coupon for the {$200.00}. XXXX Dollars the XX/XX/2018. 

The issue is this.. Chase Bank is Providing {$200.00} Dollars for New Customers that Deposit at least {$500.00} a monthly via Direct Deposit within 90 Days of opening a Checking Account.I meet that requirement. I strongly believe that Chase Bank Discontinued the Direct Deposit in order to Prevent Issuing the Coupon for {$200.00}. XXXX Dollars to myself. I Should have received the Coupon in the month of XX/XX/2018. If, I had not contacted Chase Bank nor SSA or waited too late I would not be receiving the Coupon. I Strongly believe Chase Bank 's actions are a result from XXXX and or XXXX. I am a XXXX Man. In addition, I have issues with XXXX XXXX   as well. See Complaint No. XXXX with this Entity and or Organization. In my experience here in the State of Wisconsin ... Most White People not all.. Support each other right or wrong when it comes to XXXX People. To Punish and or Discipline Us When We Challenge Them and or Exercise our Constitutional Right ( s )! 

The thing about myself I represent Positive Change among XXXX People here in the State of Wisconsin and or the City of XXXX Wisconsin. I've overcome a life of XXXX XXXX, XXXX and addressing my XXXX XXXX XXXX. In which in their demented mind is a Threat To Their System Here Against XXXX People! They don't want us to have Nothing but what they want us to have.. But want us to have Nothing! But will take our Monies as long as they can and or until they meet their personal and or political goals and or agendas. See 2 page legal instruments enclosed. Yes.. I waited this long to prove, establish, demonstrate and substantiate my allegations and or assertions. It's not what I know.. It's what I can prove. Thanks. Be Safe.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX - Account Number : XXXX - BALANCE {$19000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 an " Investigative Consumer Report '' was procure or cause to be prepared, between Equifax and XXXX XXXX, to open the account ending in XXXX that is currently being reported. 
Pursuant to : 15 USC 1681d ( a ), ( 1 ), a person may not procure or cause to be prepared an Investigative Consumer Report, without providing disclosure to the consumer by writing mailing within the 3 days after the date on which the report was first requested. 

And Pursuant to : 15 USC 1681d ( a ), ( 2 ), the person procure or cause to be prepared a " Investigative Consumer Report '' must certifies or has certified, to the consumer reporting agency. That person has made disclosures to the consumer or will comply with subsection ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX these inquiries were not made by me XXXX XXXX, XXXX, experian and the individual companies invovled refuse to take them off my report. I would like these inquiries removed from my credit reports.
Product: Credit card or prepaid card

I received four text messages on XX/XX/19 that my card was used but it was not present. I immediately called customer service. I was on hold for approximately forty minutes before speaking with a representative. Once I got someone on the phone I was told I could not dispute the transactions until they had cleared but I could cancel the card & once they cleared I could call back to dispute them. While on the phone with the representative they remainder of my money was taken off my card. The card was canceled and a new one was ordered. They charges have cleared, but I have been unable to get a representative on the phone to dispute the charges ; even though I tried every prompt. I also can not dispute them online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called three times nothing been done but let it sit on my credit its only hard inquiry and soft that I didnt authorize. XXXX XXXX XXXX XX/XX/XXXX USBank XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate public records to the credit bureau which is not allowing me to get approved for a home loan. I dont not have XXXX XXXX  on my account that they are reporting also the XXXX courts did not give them permission to report such information there its a crime.
Product: Debt collection

I was contacted by XXXX and XXXX. The woman on the phone began yelling at me immediately stating I owed a debt. She then hung up me after saying they had been attempting to collect money owed to XXXX XXXX. This was the first phone call they had made to me. 

The debt is now on my credit report. There are also 2 collection companies trying to collect on the same debt.
Product: Mortgage

When my income dropped significantly I contacted Chase, my mortgage company in XXXX XXXX to apply for mortgage assistance and submitted all requested documents. On several occasions following the initial application I was contacted by XXXX XXXX requesting additional documents - which I supplied in a timely manner. In XXXX XXXX I was informed by XXXX XXXX that all documents were complete and he was forwarding all information to the underwriting department and I would receive a response and multiple resolutions within 30 days. 
In XXXX XXXX XXXX XXXX contacted me once again requesting more information and a new application - which I supplied. When he received all documents, he assured me once again that my application was complete and all documents were being forwarded to the underwriting department. 
Today, XXXX/XXXX/XXXX I received yet another request from XXXX XXXX to replace and clarify previously submitted documents. It is now my contention that either Chase does NOT really have a program for mortgage assistance, or people like XXXX XXXX are employed to obstruct the application process of each applicant. I have continued to make my mortgage payments each month, yet have been repeatedly lied to by XXXX XXXX. I wish to submit this complaint and will also file a complaint with the New Mexico State Attorney General 's office, and explore a lawsuit against JP Morgan Chase & Co.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received numerous phone calls for a fraudulent payday loan and have called my employer, my home and in laws. I have told the company this is in error and they have threatened to take me to court etc. please address this situation. The phone number they call from is XXXX and they said they are from the XXXX
Product: Checking or savings account

The date XX/XX/22 my account was finally close after a month waiting of the close, when they finally close I should wait a week for receive my found and already pass more the one month and they told me the fund are under review, I can not still waiting that was all my savings Im having bad situation because of these, the amount is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The hard inquiries list needs to be removed : - XXXX  XXXX on XX/XX/2022 This morning I received many notifications about someone requesting my credit profile after I unfroze my credit report. That is absolutely unacceptable since when scamming is everywhere and my personal identity was leaked or not. that is a fraudulent activity I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and I was going over my credit report to see if my score changed cus I been making on time payments to the this company XXXX XXXX for almost 8 months and seeing no changes in the debt amount I would like for them to either remove the account or adjust the payment properly to resolve this problem I uploaded documents to show my remaining balance on the account!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a student loan that is in forbearance with XXXX XXXX. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX with my student loans showing they are in forbearance. I like to address the issue of TransUnion dropping my credit score while my student loans are in forbearance. Without addressing to me why they dropped my credit score. On a student loan you can have decrease in the amount owed but my scores should have moved up not down. Also, a credit decrease happen on the limit amount but this is a student loan that does n't have a limit amount. Because I was not given a limit on the student loan it is what I borrowed. I would like to provide you the information that my loans are in forbearance.
Product: Money transfer, virtual currency, or money service

Today ( XX/XX/2018 ) I attempted to send money to a person several times. 
By cash at the location and then online. 
Moneygram rejected me both times. 
1. They said there was an error processing. I contacted Moneygram and they said that they had no history of an attempt. 
2. Error processing. This time they said that they could not complete the transaction with my bank. However, they took {$790.00} out of my account and then told me that it would take up to 72 hours to drop the authorization. 

If this was isolated I would not be as angry. But this is an ongoing problem with them. They always seem to have errors whenever I want to send or receive. I have contacted them several times about these issues and all they tell me is that there are no blocks on me and that I should be able to send or receive. 

I feel they do not live up to their claims by a longshot.
Product: Student loan

I have several accounts which are still reporting late payments when i always qualified for deferments or forbearances and can show i was receiving public assistance during those times and account should not be showing late payments, and i see duplicate accounts being reported
Product: Credit reporting or other personal consumer reports

I have a hard inquiry dated for XX/XX/2023 and on XX/XX/2023 for XXXX XXXX. 
I have a hard inquiry dated for XX/XX/2023 from XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, AND SANTANDER CONSUMER USA. I didn't apply for anything to have these Inquiries on my credit report, Could you please remove these.
Product: Student loan

XXXX XXXX had me file for these loans under the knowledge I would be able to obtain the degree promised when first applied to the school.
Product: Debt collection

On XX/XX/2021, Diversified Adjustment Service Inc sent me a letter by mail stating they were attempting to collect a debt and that I had 30 days to respond. On XX/XX/2021, I responded to Diversified Adjustment Service Inc via a letter asking to see the information that they said I owe. I never received the information I asked for regarding this debt that they say I owe. Then on XX/XX/2021, I got an alert from the credit bureau showing that Diversified Adjustment Service Inc put a collection on my account in the amount of {$600.00} for XXXX. I do not have a XXXX account and have never had one. Diversified Adjustment Service Inc reported this unknown, now known, debt to the credit bureaus before the 30 days that they said I had to verify the debt. Their unfair action resulted in my good credit score being lowered. I immediately called XXXX and told a manager what happened and it turned out the debt was not mine but my brothers who happened to have the same last name as mine. My brother paid this debt with XXXX some time ago and I want this inaccurate collection removed from my credit report. I feel that this collection agency is not fair nor right in how they handled this situation and they do not seem to have respect for their own business policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021, I filed for XXXX and reaffirmed my auto loan. I have never been late on this loan, even prior to the XXXX. After the XXXX the bank stopped properly reporting my monthly payments and balance. On my credit report it keeps looking like the loan isn't getting paid down. I have reported this to the bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, they will update the account, but let it get behind in updating again. I keep having to file disputes with credit bureaus and with the bank every 3-6 months to get it properly reported. They should properly report the payments being made and the loan balance as when they don't my score is affected. It is their duty to report this information and keep the account updated. I have done this over times since XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST PREMIER BANK is reporting late payments while in active XXXX  XXXX bankruptcy. The bank received notification by mail XX/XX/23. 

The bank is violating my automatic stay federal rights and also improper use of credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  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, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I obtained my credit report from all 3 bureaus at the end of XX/XX/XXXX. On XX/XX/XXXX, I wrote the bureaus and sent certified letters to each bureau. I updated inaccurate information and disputed a collection account that this company reported. XXXX XXXX is claiming that I have an outstanding balance of {$600.00}. On XX/XX/XXXX I sent a letter to XXXX XXXX to validate the debt they claim I owed. In my letter, I asked for debt validation with my original signature on the document stating that this debt is my contractual obligation. I also included a hand written letter asking if they were legally able to collect debt at this present time because their business entity that is listed on my credit report, is showing inactive. The business expiration date for the address provided is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that a XXXX XXXX XXXX XXXX account with account number XXXX was fraudulently opened in my name, and I have been a victim of unauthorized charges associated with this account. On XX/XX/scrub>XXXX XXXX XXXX I became aware of this fraudulent activity when a collections account from XXXX XXXX XXXXXXXX appeared on my Experian credit report. They have refused to remove it I unequivocally state that I did not open this account nor authorize any charges associated with it. I did not receive any communication via email, phone, or mail regarding the opening of this account or the associated charges. The first notification I received was when the collection account was reported on my credit report. 

Furthermore, I have been a victim of previous data breaches, including those from XXXX and XXXX, which I believe may have contributed to the unauthorized use of my personal information. 

I am requesting that you immediately investigate this matter and take the necessary steps to remove this fraudulent account and any related collections activity from my credit report. Please provide me with any information you have regarding the opening of this account and the associated charges. I am attaching my FTC Identity Theft Affidavit and a police report for your records.