23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

A fraudulent account is repeatedly reported on my credit file. This account has been deleted but continues to return showing varying balances and varying late payments. I am writing to formally dispute and demand the immediate removal of the fraudulent account from my credit report due to identity theft. This account was opened without my consent, and I am invoking my rights under Fair Credit Reporting Act ( FCRA ) to have this account removed within four days. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion this fraudulent account or information related to the identity theft, as authorized by 15U.S.C 1681C-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my personal and sensitive data to unauthorized individuals. The fraudulent account is listed here - XXXXXXXX XXXX  - XX/XX/year>
Product: Student loan

Hello, I am writing to you to file a complaint against Navient the servicer of my student loans that are federal XXXX loans. One of the loan names is the Federal Perkins loan my college let me know that this loan would be forgiven. I applied for forgiveness after working @ 2 different hospitals both are non profit and qualify to have the loans forgiven since I work 48 hours every week greater than the 30 hours per week required. I sent in all required papers and I never received explanation as to why the my XXXX loans were never forgiven. I also have called them on several occasions and they have never helped me to get these loans forgiven. I started to investigate I have paid into my loans on an income based repayment plan with a monthly payment of XXXX since XX/XX/2013 for a total of {$34000.00} original federal loans were for {$50000.00}. The amount I still owe is {$42000.00}. I called them this morning and since my loans have been consolidated they told my I have to pay on an income based repayment for a total of 10 years for a grand total of {$68000.00} before I can even apply for forgiveness of my student loans. I feel used though I chose the XXXX field because I love helping people and now I feel discouraged with no recourse or help for me. I have again called them to have them send me the papers for the income repayment plan recertification the woman told me she would email me the forms but all I received was " thanks for the call now sign up for eDelivery. I have never received to this date why the loans were not forgiven since then I also called the college that I attended with no real recourse. I hope that you can help with this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Discover Card that was opened in XXXX  is not being reported to XXXX and hasn't been reporting for nearly 2 years which has caused damage to my credit score over the past 20 months. I have reached out to both Discover and XXXX to remedy the matter but of to no avail. Their negligence is causing me to suffer.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED!!! 

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined and attached the following incorrect late payment below. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year>XXXX XXXX
Product: Debt collection

Debt collecting company Halsted Financial Services calls at all hours of the day. When I have answered their calls, they want me to confirm my identity and I refuse to do so unless they tell me what it is they are calling about, which they refuse to do so unless I identify myself first. I have told them numerous times that I will not do so when I do not have any debt with any company and they continue to call morning, day and nighttime.
Product: Payday loan

I took out a payday loan and went on payments. When first payment was due I was unable to make the payment. I contacted the institution and told them I had XXXX and was short on cash due to being out of work and unable to make the payment. I was told they would submit the check to my bank and once it was returned I could call and make payment arrangements. So that check was presented to my bank, returned nsf ( charged fees ) and then I called and made payment arrangements. They accepted a payment arrangement from me for XX/XX/2016 on my next payday. On that date, they ran my check through again and my bank cleared it with nsf fees. I do n't think it 's lawful that after accepting a payment arrangement from me that they could run my ck through for full payment. They never disclosed to me when I made the payment arrangement that they would run my check though on my next payday. They had accepted a payment arrangement from me and turned around and resubmitted my check, now my acct negative and I am unable to pay my utilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XXXX XXXX, 2017 I began researching options to refinance my auto loan, which is currently with Capital One Auto. I was able to use XXXX XXXX to see who my best options were. I have always been happy with Capital One and was pleased when they were the first option, I went through the pre-qualification process and was approved. I went on to refinance, I signed a new agreement with them, sent my pay stubs, I even was told they 'd be paying off my other loan, etc. I received a congratulatory email and everything. After about an hour I received a call and an email from Capital One with no information other than a request to call them. I called them around XXXX XXXX ( a few mins after receiving this email ). Once I was able to reach someone I was informed that unfortunately, they were revoking my new loan and that Capital One Auto could n't refinance their own loans. I questioned why the website not only allowed me to even apply after I entered all of my information, including my Capital One Account number but went as far as to approve me and have me sign a new contract. The representative apologized and said " There is a checklist on the first page that states you do n't qualify if you have a Capital One Account ''. I argued, as I printed all of these pages out ; however, I did n't have them in front of me to be certain. I asked that Capital One, under the circumstances, would remove the hard inquiry reported on my credit report as I would now have to look for a new refinancing option. The representative told me no. I pre-qualified, which is the only reason I moved forward with the credit check. This morning I searched the Capital One website for over 30 minutes and did not find ANYTHING that notified a customer that if they had an existing account, they did not qualify. I feel as though the hard inquiry needs to be removed as I agreed to it under false pretenses. 

Thank you.
Product: Credit reporting or other personal consumer reports

The list of address below I do not recognize please remove. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX here in Ohio I needed a car, I went to a dealership, found a car and the lending company that decided to grant me a loan was Credit Acceptance.

I was a XX/XX/XXXX with a limited income and needed transportation to get to work. 
In XXXX I had lost part of my income and was working with the state to get my sons XXXX pay back. 

Credit Acceptance would not work with me, and as a result I voluntarily gave my car up, and lost my job in the process, as I found another job the amount that they wanted was more than I could afford. This company was not willing to work with me at all. 

In XXXX I received a judgement against me, as of XXXX I am fighting to protect my income, and self-respect, they contacted my employer via mail and asked for my full social security number as they don't have it. 
I realize that this is ten-year-old case, and that the statute of limitations for regular debt collection has passed, but however for judgement it is 15 here in Ohio. 
I was never given the opportunity to even plead a case in front of a judge, to work anything out, I have just realized that I am not the only one that has had the same aggressive payment tactics placed on them. 

I can't afford legal reputation, I am fighting this on my own.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account from my credit with XXXX XXXX XXXX XXXXXXXX as I have reached out several times and I have no response as to when this will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit report is continuing to report derogatory charge offs from 9 & 10 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute the accuracy of the following item ( s ) on my credit report. The information in question is as follows : Creditor Name XXXX XXXX XXXX Account Number : XXXX Under the provisions of the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I have reviewed my credit report and have found that this account is inaccurately reported on my credit report. I have no knowledge of this account and do not have any record of it belonging to me. Therefore, I request that you remove this account from my credit report as soon as possible. 

As per the FCRA, you are required to investigate my dispute within 30 days of receiving it and provide me with the results of your investigation. If you find that the information is inaccurate, incomplete, or can not be verified, you must remove it from my credit report. Additionally, I request that you provide me with a free copy of my credit report after the investigation is complete, as my credit report should be updated to reflect the removal of this account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX, check # XXXX for {$670.00} payable to XXXX XXXX XXXX, was mailed for rent. A few months later, I discovered that the check was fraudulently endorsed between JPMorgan Chase, XXXX XXXX XXXX and XXXX XXXX. I began an investigation with Chase on XX/XX/XXXX. This continued into XXXX! 

After more than a year of calling Chase 's Customer Service Center seeking resolution, I was informed that XXXX XXXX was responsible. I then reported XXXX XXXX to the FDIC as they went bankrupt! My report was forwarded to the Consumer Financial Protection Bureau. XXXX XXXX  ( new owners ) then chose to respond to the CFPB as follows : The issue was between Chase Bank and my Landlord. ( See attached letter from XXXX ). 

More than one year later... 

Chase has never accepted responsibility for the fraud, instead giving me the run around for more than one year. I would like a resolution from JPMorgan Chase. I have banked with THEM for 34 years since XXXX. Yet, they refused to credit my account for the fraud, while they investigated. Instead, I paid that rent again, trying to avoid interest and additional charges, with the hope that my bank would " Do the Right Thing. '' Sadly... they have not! 

I am now out of {$670.00}, with Big Banks not taking responsibility for any of this fraud. I would like an explanation from Chase and a resolution. I have Call Notes and paperwork to support my claim and proof of my double-payment to Chase and the Landlord along will all paperwork submitted to the CFPB. 

Original CFPB complaint ID : XXXX. 

Thank you for your consideration of my new claim.
Product: Debt collection

I emailed First Investors Financial Services on XX/XX/18, Due to the Harassing Phone calls that I received during the day. 
As I previously advised a collections Rep about the amount of Voicemails that were being left on a daily basis on a single phone number. 
Calling from different numbers all day long. Phone numbers that are near my own phone number or on XX/XX/18 called from my exact phone number ( spoofing calls ) .This company is based in the XXXX Area and Georgia Area . So why am I getting calls from XXXX, XXXX, XXXX area codes? disguising phone number to collect a debt. Then getting text messages from the company when I did not give the okay to contact me by text message on my cell phone. I also received several emails to my email address advising me to contact the company about my past due account. 
I have been open and honest with this company about the struggles that I have been going through the past few months and still maintain keeping a payment coming in monthly. 
So on XX/XX/18 : I emailed the company about the unfair debt collection practices that they are doing, I got a email back from XXXX XXXX, who stated that he would put my account in a " do not contact status '' and would review the call recordings .Well today XX/XX/18 : I have received Text messages and emails about my account. I did email Mr XXXX back about the issue and advised at this point ive given them the opportunity to fix the situation but that I was at this time going to report them to the CFPB and the Attorney General for further investigation. 
This company is in Violation of FDCPA policies and procedures. 
I do have said emails and copys of my phone log as well.
Product: Bank account or service

I called my bank BOFA to ask for a new debit card as the one I have the magnetic strip seem to be worn. They told me that I have to pay {$5.00} to replace it because it is not expired as yet. Is this fair to ask a consumer to pay for a new debit card?
Product: Debt collection

At the beginning of XX/XX/year> I had an accident on a XXXX XXXX that was financed with synchrony bank. My insurance made the claim and I kept paying to the bank, but stopped once I stopped receiving my mailed account balance and or other information at all. I thought that this was due to the claim with the insurance. I kept waiting for a call back but never got one. I decided to call when around the end of XXXX or beginning of XXXX I received a notification for a negative amount on my XXXX credit report coming from them. I immediately called synchrony to ask about the situation and explained everything to them. I also told them that this was supposed to be taken care from My insurance and asked to see if they had already paid an until then they told me they did payed a portion so I let them know I was going to talk to the insurance companies to finish off the remaining balance. I did a lot back and forth and ended up paying out of pocket XXXX and some change to them to clear the account. And according to them they filled a claim to the credit Berau to help out but every time I ask them for updates they say they cant give me any. So thats the reason Im filing this complaint. I just think is very unfair to have a negative impact this big even though Ive never missed a payment ever on any credit card/ loan and due to their lack of communication with their clients I end up being punished. 
Thanks.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking and the information below which appears on my credit report is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00}
Product: Credit reporting or other personal consumer reports

I did not authorize the inquiry that took place on XX/XX/2024. I have reached out to the credit bureau to remove this. However, they did not comply, so I am requesting that this be removed immediately. Additionally, attached below will be the identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 an inadvertent late posting was posted to my mortgage account, when I contacted XXXX XXXX Corporate they corrected the incorrect late posting, I subsequently reviewed my credit reports with XXXX, and I discovered multiple unauthorized and/or fraudulent inquires listed on my credit reports. I contacted the Credit Bureaus and explained I may be a victim of identity theft, these inquires are not mine. After contacting the credit bureaus, I discovered in XXXX the credit bureaus were now reporting me as deceased and froze my credit profile, now in XX/XX/2021 I discovered a new fraudulent account ( Ally Financial ) listed on my credit reports. I'm XXXX years old, this has been extremely stressful and emotionally draining. I'm reaching out to the CFPB for help, I've contacted the credit bureaus about the fraudulent inquiries and Ally Financial and they have not removed this incorrect/fraudulent information from my credit reports, also Ally Financial has been unresponsive to my disputes of this fraudulent posting on my personal credit profile.
Product: Debt collection

I received a letter from General Revenue Services on XX/XX/XXXX saying they refuse to investigate my dispute- I have requested debt validation for the balance of {$540.00} General Revenue Corp and I have not received any thing. I reported this previously and they claim to have mailed it in the past but I never got anything. 

They also did not upload any documents in the Consumer Financial Protection Bureau Portal. I am requesting them to provide a copy of a signed contract for the services of this amount they are collecting for. I am asking for a numerical breakdown of the services they provided that cost {$540.00}. 

They have not provided the documents within the 30 day required by law-
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an Inquiry appeared on my XXXX  XXXX  an Equifax credit report which I disputed right away after receiving an alert from my XXXX Credit Monitoring service. It was from XXXX, I do not know what this is and I disputed it right away on XX/XX/XXXX with all three credit bureaus. XXXX  and XXXX  promptly removed the Inquiry but for some reason Equifax did not! It has been removed frrom XXXX and XXXX 2 days later but Equifax for some reason does not wish to remove it. I made a report and attached it but still appears on my credit which lowered my score by 12 points on Equifax only. I do not know what this Company is at first I was told it was XXXX XXXX so I called them and THEY HAVE NO RECORD OF THIS. Please remove this inquiry immediately, I did not and will not apply and have no knowledge of how this happend. At the time I had a freeze on my credit because I was party of the data leak. Remove the inquiry from XXXX from XX/XX/XXXX its not mine and should not have even been allowed to appear since my Credit Reports are locked!!! Thank you please help me with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX XXXX XXXXXXXX Balance {$110.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX