23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

When I went back to school, I had no knowledge of student loans. I applied for a private loan with XXXX XXXX not knowing the difference between it and a federal student loan. The primary piece I did not understand was the income-driven repayment was not an option for private loans. I currently have a balance of {$120000.00} in private student loan debt and have a monthly payment of {$1500.00}. This does not include my federal loan debt. 
Prior to XX/XX/18, I spoke with XXXX XXXX a number of times and was told that my payment had to be past due before they would work with me. On XX/XX/18, I finally was allowed to speak to someone about lowering my monthly payment. I gave a detailed financial statement and they asked to speak to my father who is my cosigner. I explained that he could and would not pay on this loan but gave them his details. My father gave his financial statement on XX/XX/18 and he told me they would call me. After not hearing from them, I called back on XX/XX/18 ( I learned that did not have my current phone number on file ). I was told I could enroll in auto-debit to lower the interest rate by XXXX and skip my XX/XX/XXXX payment. This is an offer I had read about online and knew about so I told them it would not work and hung up. I needed to reduce the monthly payment amount considerably. I called back on XX/XX/18, thinking perhaps there was an option where I could extend the payment term or move to a graduated repayment plan. I was told unequivocally that was not an option and that all I could do was put the loan in forbearance for a month and apply to refinance at another company. I checked at XXXX, XXXX, and XXXX XXXX   XXXX. All have said I would need a co-signer that I can not get at this point for that amount of debt. The representative was polite and as helpful as she could be given the situation. Her employee number is XXXX and the confirmation for my forbearance payment is XXXX. 
I want to pay on this debt but I am not receiving any real help in lowering the monthly payment. I make XXXX/yr and have upward mobility in my career. I do not like not meeting my obligations. That said, I am at the point where I am beginning to think my only option is to try and get the debt settled through bankruptcy. 
Please, please, please help me!
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My credit report and score have derogatory negative information that has to be removed before I can apply for a job, car loan, home loan, apartment or credit card. 
This negative information and accounts need to be removed from all credit bureaus, XXXX, XXXX and TransUnion. Remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only have the last for numbers of each credit card number, if needed will be furnished upon request. The cards were destroyed after paying off balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under XXXX XXXX XXXX XXXX, specifically section XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX. XXXX XXXX XXXX XXXXXXXX - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave any of these people or buisness to run my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MORTGAGE CO
Product: Debt collection

I got a notice on my XXXX XXXX file of a decrease in my credit score today on XX/XX/XXXX. I logged in and see that there is a company called Midwest Recovery Systems that has placed 2 medical collection accounts on my credit report with dates of service and date of first delinquency in XXXX. I have never received any information about either of these debts. I do not recognize them and do not believe they are mine. They are listed as {$460.00} and {$710.00} dollars on my XXXX and XXXX reports from a hospital. Under type of debt it is blank. These debts are not mine, and I have never received any information pertaining to these debts and have not been given the opportunity to dispute them. 
Thank you. 

The creditor information listed is : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On Monday XX/XX/XXXX, I saw two credit checks on my credit report that I did not recognize but it was too late to do anything. On XXXX morning I received a call stating that I applied for an auto loan refinance with 'rategenius ' and that they had pulled my report and were calling me to follow up. I informed them that it was not me and they said that the info came from rate genius and I would have to follow up with them. I followed up with Rate Genius and informed them that my identity was stolen and asked them to provide me the authorization they claim they received from me to give my social out to different companies. They claim that this is proprietary information and they are unable to share it with me. They refuse to take the credit checks off my report and refuse to provide me with any evidence that I provided authorization.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 raise concerns about several issues I have experienced with the credit bureau. These include incorrect account listings, multiple unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and the presence of accounts that do not belong to me.
Product: Debt collection

Portofilio will not verify this debt they claim to be owed to them. I disputed this information before along with sending out certified letters to portfolios company. They have again posted to my credit report fraudulent saying they is the original creditor of whatever account they are claiming I owe to them. If they can not verify this information I wanted this account deleted from ALL CREDIT BUREAU ASAP. I will be filing a complaint with the state attorney office about this company and reporting them to the better business bureau. This company is a fraud. Portfolio is in VIOLATION OF 15 usc 1692 ( c ) ( a ). I will be filing a lawsuit as well.
Product: Credit card

Charge off was not placed on account after 180 days of delinquent nonpayment charge off was placed years after last delinquent nonpayment has been in charge of status for more than XXXX years still appearing on credit file and background checks requesting account to be completely removed due to statue of limitations due to charge off charge-off not being accurately placed in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXX XXXX XXXX Opened Date XX/XX/XXXX  Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Didn't get a respond back from the company.
Product: Student loan

On XX/XX/, I paid {$1000.00} toward my unsubsidized loan to have it cancelled. The loan servicer has not applied this to my account. I am still showing that I have this loan and it is still accruing interest. I sent an email on XX/XX/XXXXabout this, with no response. OnXX/XX/XXXXI called and was told to fax in a letter stating that I wanted to use my payment to cancel this loan so that it can be applied. On XX/XX/XXXX I faxed a letter stating this and my payment still hasnt been applied to my account.
Product: Debt collection

I received a call at XXXX CT XX/XX/XXXX, the representative only stated a portion of the Mini Miranda disclosure, I asked to speak with a supervisor and she said the same Mini Miranda. They did state they were attempting to collect a debt, however neither stated they were a debt collector. The supervisor stated they are not required to say that.
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 number : XXXX has violated my rights. 
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 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: Debt collection

XXXX  has failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay General Revenue Corporation, which XXXX reports negatively that I owe this company. There is no contract. 

This debt is not mine.
Product: Bank account or service

XXXX complaints against MB Financial Bank : 1. Despite the correct trial debit and credit transactions designed to establish ownership and permission which have been processed at MBFB from both XXXX XXXX Bank and the University XXXX XXXX, XXXX has failed to process the subsequent transfer requests made by me from those XXXX banks for funds residing in my account at MBFB. This has caused bills to be missed. They have failed to provide the contracted services and caused me financial harm wrt late fees and penalties which resulted from their failure to transfer the requested funds. 

2. Despite assurances on at least three occasions that my new MBFB ATM card would function exactly as did my XXXX XXXX XXXX ATM did prior to the bank being acquired by MBFB, it does not. MBFB fraudulently claims that there is no service fee to use their new ATM card at overseas locations. This is a lie. They do not indicate any fee, but they do not provide the current bank exchange rate when withdrawing money in local currency from overseas ATM 's. The acquired bank ATM card provided the actual current bank rate of exchange for all ATM transactions overseas for over 20 years. MBFB practices amount to a fee for such transactions. For the XXXX transactions I have made in XXXX, XXXX XXXX, and XXXX, this has amounted to a transaction fee of between XXXX and XXXX %. They are lying about this fee, stating that they do not charge one. It is fraudulent because they hide the fee in the exchange rate used for the transaction. 

These practices remind one of the type of moral XXXX prevalent at XXXX XXXX. Please take action to correct this criminal activity.
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. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern, It is with immense disappointment and concern that I write to report a severe case of identity theft and the presence of fraudulent items on my credit report. This situation has arisen due to the unauthorized access and misuse of my sensitive personal information, primarily my Social Security number. My information was unfortunately compromised in numerous data breaches, exposing my current and previous addresses, Social Security number, email address, and other sensitive data. It appears that an individual residing at my former address has exploited this information for their personal gain. I have gathered substantial evidence, including instances where purchases have been made under my name and unauthorized access to my email account. Adding to my distress, I have been included in over XXXX security breaches including EQUIFAX that has exposed my Social Security number, address, and email address, leading to threats and taunts from malicious actors. My information has even surfaced on the dark web, further amplifying my concerns. I am citing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as case law for furthering my dispute. Upon reviewing my credit report, which I had not examined recently due to a lack of credit-related activity, I was appalled to discover the extent of the damage. XXXX identified a separate Social Security number linked to my report in XX/XX/XXXX, which has since been removed. They can confirm this discrepancy if required. XXXX also contains inaccurate information, which I am actively working to rectify with supporting documentation. I have more proof of my identity theft if needed. I have not bothered to check my credit in the past because I was not using my credit and believed I had no need. Until I began to receive crazy emails of debt including hackers threatening me. This identity theft and the resulting fraudulent activities have significantly impacted my creditworthiness. I request the immediate removal of the numerous unauthorized accounts listed on my report. I have filed and now waiting for my police report from my local police department who has been a huge help. I have also filed a complaint with the Consumer Financial Protection Bureau. As a low-income XXXXXXXX XXXX  struggling with the current economic climate, this situation has caused undue financial and emotional strain. I urge you to address this matter with urgency and delete the fraudulent accounts listed on my report. Here are the fraud accounts I would like deleted immediately from my report : XXXX XXXX XXXX, XXXXXXXX XXXX Reference # : XXXX, Account Balance : {$1100.00}, Creditor Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reference # : XXXX, Account Balance : {$1200.00} XXXX XXXX  XXXX XXXX Account number # : XXXX, Account Balance : {$3200.00} XXXX XXXX, Account number # : XXXX, Account Balance : {$190.00} XXXX XXXX XXXX XXXX Account number # : XXXX, Account Balance : {$720.00} XXXX XXXX XXXX Account number # : XXXX, Account Balance : {$290.00} Thank you for your prompt attention to this critical matter.
Product: Credit card or prepaid card

I have made a dispute request to the Chase Bank the amount was {$2000.00} and it was refused the reason was I signed a contract with them so they can not approve the dispute, I can not agree with them hear is my explanations the company call Action Refund was solicited me via internet that they will recover my {$120000.00} I lost on online Cryptocurrency trading and I will pay them 20 % of total recovered money so they are just calling me every day 2/3 time to hire them after several try they were asking them to pay {$2000.00} up front and was demanding to send me the contract but instate of doing that they keep pushing me to pay them before so I essay going person I trusted them So i made payment by my Chase credit card after 2 days later Action Refund send me a contract which I did not signed because that what not we were talked over the phone another word I was not agreed the contract they send me so I was asking them to return my money because, just next day I realized that they will never do anything to recover my funds they just took my money even though I waited month whether they do any work to recover my funds so I thing this is another Scam so I did not have any other choice then dispute. I also provided the unsigned contract to Chase which is they were also ask me provide them as a valid evidence, the argument of Chase was any time I purchase anything online it is a contract so my question is where is the protection from Chase Bank to a innocent consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - XXXX XXXXXXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXXXXXX XXXX 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXXXXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX XXXX 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly. 

I anticipate a timely response, accompanied by the requested documentation, to be submitted to the CFPB Portal for expedited review. Furthermore, I request that any corrections made to my credit report are promptly reflected.
Product: Credit card or prepaid card

Capital one Bank states that i have 3 30 days past due accounts. I do not have any late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate through Attorneys to  resolve the inaccurate information on my credit report with XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX companies, which consisted of duplicate accounts with different account numbers. 

1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. 
I paid {$260.00} dollars to accurately resolve and ( Pay  in Full ) this account on XXXX XXXX, XXXX. 
***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$200.00} dollars to accurately resolve and ( Pay  in Full ) this account on XXXX. 
***Paid in Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$130.00} dollars to accurately resolve and ( Pay  in Full ) this account on XXXX XXXX, XXXX. 
***Paid in Letters Provided***