23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been employed as a XXXX  XXXX with XXXX XXXX ( Hawaii ) between XXXX to XXXX, before transferring to the XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX. I am currently employed with XXXX XXXX  XXXX ) and there has been NO break in service. Despite submitting numerous " Employment Certification '' forms, I have been given the run around about my status and eligible payments under the Public Service Loan Forgiveness ( PSLF ) and Temporary Expanded PSLF. I was additionally misled by the company about information regarding loan forgiveness and I am now liable for an excess of {$90000.00} worth of student loans. Basically, I took out additional loans thinking the current payments I was making towards existing loans was going to count towards additional loans I've taken out ( as a XXXX  XXXX ) for higher education. I later found out this was wrong and not only did they not count I had to start from the beginning on the new loans. To add insult to injury, numerous payments between XXXX and TODAY have not counted towards forgiveness, despite there being NO break in service. I've submitted multiple employment certifications which mysteriously seem to not explain that I have been a XXXX  XXXX since XXXX Numerous calls to the company resulted in many different excuses, but as of today I now have been assured my employment certifications check out and are up to date since XXXX. I will be waiting for another excuse as to why certain payments from XXXX to today have NOT counted towards forgiveness due to some mysterious universal force. I also disagree with the method of calculating the payments based on income, as police officers can sometimes have a lot of overtime, which is not guaranteed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried each year, for multiple years to obtain a credit report online from Equifax. Each time I try, it says processing, then times out, and says my report ca n't be viewed online. I have had no problem with the other  XXXX  reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from discoverer finical for a card I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am promised accuracy on my consumer credit report by federal law. Exquifax continues to report inaccurate and fraudulent information on my consumer credit report All verified information must be promptly removed as you can see in your system you can not verify these accounts so Im requesting you remove it. Equifax has valid my customer rights and caused damage to my ability to extend credit due to these fraudulent accounts. Federal violations committed by Equifax are as follow 15 usc 1692j, 15 usc 1692d, and 15 usc 1692f,. 
the following account are not accurate XXXXXXXX XXXX XXXX, and XXXX XXXX was added on XX/XX/23 another attempt to have these errors corrected on my consumer reports under XXXX5 USC 1681 and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has knowingly violated FCRA 15 U.S.C. 1681n Civil liability for willful noncompliance. They have not responded within the allotted time. They have also violated 15 U.S.C. 1692g, this agency was to notify me of this in writing five days prior, I was not notified. As the original creditor only I can validate this debt. I do not validate this debt. I have also been involved in identity them these items on my report are not mine. 

XXXX XXXX XXXX Account number:XXXX Child Support Enforcement Account number : XXXX Santander Consumer Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report a charge off from 2015 on my 3 credit bureaus in excess of {$1100.00}, I have disputed this with all 3 bureaus and the company over the phone and in writing. The account was taken out online and they do not have any proof it was me. No copy of my drivers license or signature. I did not take out this account. I have done all I can to get the situation corrected. Please help.
Product: Credit reporting or other personal consumer reports

This account was opened on date XX/XX/XXXX and closed on XX/XX/XXXX. There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XX/XX/XXXX. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. TransUnion failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account name : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. Account Number started in 604419. 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 instruction. under 15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

XXXX XXXX lack of cooperation to solve issue when requesting a decrease of capitalized interest added to my account. 
Misguiding customers by no providing all information. 
Per information provided by XXXX XXXX XXXX accrued interest for bankruptcy and after bankruptcy because a payment plan changed to be able to afford payments. 
Lack of respect for customer. Never the person responding e-mails identified themselves. 
Overall I have been discriminated by representatives of this company. Dealing with them since XX/XX/2018.
Product: Debt collection

On XX/XX/XXXX I mailed a verifications f debt letter to IC Systems. On XX/XX/XXXX they signed for the letter that I mailed. To this date I have not received the requested verification of debt requested. The end of XXXX of XXXX I reached out to them via telephone to inquire about the verification request I sent because they were in violation of the fair credit reporting act after not responding within the 30 day time frame. I was advised by the representative that they forwarded the letter on to XXXX XXXX who was the original creditor but that they did not receive a response. I advised that they were in violation and therefore by law needed to remove it from all 3 credit reports. 
I was told that they would not remove it then they agent again attempted to collect on the debt. 
The amount of the debt shows to be {$950.00} opened on XX/XX/XXXX last report XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting on Experian that I am unfamiliar with. I have tried many times to get it resolved but have n't had any luck. I am hoping that your company could possibly help me. The account is SYNCB/CCDS that I am asking for validation from Experian who is reporting it. I just need help please
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private XXXX XXXX ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( private XXXX ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private XXXX ), a real estate loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private XXXX ) and several collections account opened at XXXX, XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$660.00} ( private account XXXX )XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$460.00} ( private account XXXX ), XXXX XXXX XX/XX/XXXX with a balance {$4700.00} ( private account XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

A correspondence was sent on XX/XX/2021 in regards to an alleged debt of XXXX. This company violated multiple laws listed below : 1. violation 15 USC 1692b ( 3 ) was done by reporting a logo and business information on the page multiple times 2. violation 15 USC 169 2e ( 2a ) was done by reporting a positive balance. A debt is to be reported using a negative balance if I allegedly owe a debt.

3. Violation 15 USC 169 2b ( 2 ) by using threatening terms " this is an attempt to collect a debt and any information obtained will be used for that purpose. '' 4. My Hippa rights was also violated by submitting my medical documents via mail.
Product: Debt collection

I requested Midland Credit Management/Midland Funding to validate an alleged debt they are reporting. The failed to provide any response and are continuing to report the inaccurate alleged debt.
Product: Credit card or prepaid card

Bank of America sent me an email my credit card account was closed. It has a XXXX  balance and a XXXX dollar limit. The customer service representative told me it was due to inactivity and then rattled of a collection on my credit report. He then stated my credit wasnt pulled, which is illegal without my permission. This company is a scam, the reviews on XXXX  and XXXX show a clear trail of deception. I want my account removed entirely from my credit report or Ill pursue legal action. It lowers credit scores when scandal companies like this operate in this manner on responsible customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX, a personal CREDIT CARD account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), and a credit card account opened at XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ), a personal credit card opened at XXXX XX/XX/XXXX account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX
Product: Checking or savings account

After the first notice from Bank of America about two accounts opened on my name using my social security number, my date of birth and my address on XXXX XXXX, I have contacted the Bank of America customer service centers, made identity theft report to the FTC ( FTC report number XXXX ), Fax all required documents to the Bank of America as demanded ( Fax number XXXX ). Without progress, the Bank of America kept sending statements on the reported fraud account. I filled one more complaint with the FTC ( FTC customer complaint number XXXX ). Following my letter to the Bank of America Corporate Center dated XX/XX/2020, I received a letter from the Bank of America on XX/XX/2020 with a case number XXXX for an account ending inXXXX ( full number known as XXXX ) telling me to call Risk Account Closure at XXXX for assistant with account status. I called the given number XXXX on XX/XX/2020 from XXXX to XXXX without result and was advised to call XXXX. I called the number XXXX at XXXX XX/XX/2020 then the call was cut off by Bank of America without answering. The recent statement letter received from Bank of America is an XXXX XXXX account ( account number XXXX ) which show a negative balance of {$100.00}. The Bank of America has had all of my documents they needed for my identity theft claim ; they desperately make thing easy for thefts to open account online without physically verifying. Moreover, they would know from their processing where the deposited fund came from and who owns the money account which used for depositing at opening, and where the end point is for the withdrawals to reach, plus who the owner of such receiving account is. However, Bank of America just keeps going after me as an identity theft victim for their loss because they failed to retake the lost money back as they could. The Bank of America should learn the respected way the XXXX XXXX  works in my case. The theft on my case opened four accounts at the same time at the end of XX/XX/2020 ; two with Bank of America and the other two with the XXXX XXXX. After being contacted and receiving all my required documents since XX/XX/2020, the XXXX XXXX  sent me a letter dated XX/XX/2020 saying they confirmed that I did not open the account.
Product: Credit card or prepaid card

XX/XX/XXXX - Using a Capital One credit card, I bought an airline ticket for travel abroad through XXXX for {$310.00}. Purchased " priority customer support '' because the airline I was booking through has only XXXX language customer service and I needed English language customer service. 

XX/XX/XXXX - Called XXXX for customer service to help change the date of travel. After being hung up on twice, the representative told me that XXXX could not help and that I needed to speak with the airline directly. This was impossible because I do not speak XXXX and I never would have bought the ticket but for the promise of " priority customer support. '' I never used the ariline ticket and I told the XXXX representative that I would be unable to use the ticket. She did not care to help. 

XX/XX/XXXX- Capital One sent me a letter saying that my dispute was denied but inviting me to send additional information in support of my dispute. 

XX/XX/XXXX - I sent additional information to Capital One explaining how I was promised a service that was never provided to me and how I never would have bought the airline ticket through XXXX  but for that promise of " priority customer support. '' XX/XX/XXXX- Capital One notified me that it had not received the additional information needed and that it was therefore charging me for the service that I never received.
Product: Credit card or prepaid card

On XX/XX/XXXX I was notified by XXXX that a Capital One credit card was fraudulently opened in my name using my SS number via an online application. As advised by XXXX I immediately called Capital One demanding they close the account immediately and asked for a written report on who, what, where, when and especially WHY this fraudulent activity could take place. Not receiving any written documentation, I then sent them a formal letter on XX/XX/XXXX, as recommended by the IdentityTheft.gov website. It is now been over seven weeks and I have yet to hear back in writing from Capital One.
Product: Debt collection

This is in reference to debt with American Credit Bureau account number XXXX collection was opened on XX/XX/2020 for {$600.00}. This debt was originally with XXXX XXXX XXXX who initially failed to provide me an emailed invoice of charges as requested. I initially had dental work which was told that I was able to get because insurance covered it and allowed the number of cleanings done to my teeth. These charges need to be investigated and an invoice needs to be provided to me so I can proceed with verifying these charges as legit charges. I wasnt given enough time to dispute the charges as they appeared onto my credit report immediately. I was also affected by COVID-19 when this was added into report.
Product: Checking or savings account

Random unknown transactions were being taken out of my account that I didnt authorize. Unable to contact anyone for further help so I stopped using the account
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Dear CFPB, I am writing to formally request your assistance in addressing a critical issue regarding inaccuracies in my credit report, which have severely impacted my ability to obtain new credit, achieve financial stability, and pursue the goal of purchasing a home for my family.

I have attempted to resolve these discrepancies with the credit reporting agencies, but the issue remains unresolved. I believe that these errors, which have been unjustly reported, are causing undue financial hardship. Therefore, I am seeking the CFPBs intervention to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld and that my credit report is corrected promptly. 

Thank you for your attention to this matter. I look forward to your assistance in helping restore my financial standing and enabling me to achieve stability and homeownership for my family. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, pa, XXXX. 
XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted several letters disputing inquires in my credit, there are still there 1.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX BYMAILONLY 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and several accounts and inquiries reported on my credit report are fraudulent and do not belong to me. As such, I am requesting that these fraudulent accounts and inquiries be immediately blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below is a list of the accounts and inquiries that I request to be deleted : Fraudulent 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

I XXXX XXXX ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CHRYSLER CAPITAL ON XX/XX/XXXX. A CONSUMER CREDIT TRANSACTION IS A TRANSACTION IN WHICH A FINANCE CHARGE IS INVOLVED. PURSUANT TO 15 USC 1605 A FINACE CHARGE IS THE SUM OF ALL CHARGES IN A CONSUMER CREDIT TRANSACTION. BECAUSE I KNOW THE FINANCE CHARGE IS THE SUM OF ALL CHARGES I WAS NOT EXPECTING A BILL. ON XX/XX/XXXX CHRYSLER CAPITAL MAILED ME A BILL WHICH IS A VIOLATION OF 15 USC 1692B.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent this company a letter about some errors on my credit report, but it's been over 30 days, and I still haven't received any response from the company. I was informed that they may be violating the FCRA law for not complying. Please take a look at this matter, as those errors on my credit need to be cleared as soon as possible.
Product: Credit card or prepaid card

Chase refused to refund a disputed transaction based on evidence that had nothing to do with either me or the merchant.
Product: Mortgage

On three consecutive business days ( XXXX XXXX,XXXX, and XXXX ), XXXX XXXX of Fay Servicing or his representative showed up physically at my property at XXXX XXXX XXXX, XXXX, GA XXXX and taped the identical letter, dated XXXX XXXX, XXXX, on my door on each of those consecutive nights. The letter requested that I call him directly at ( XXXX ) XXXX in order to " verify my current information and to discuss how [ we ] can work together to improve [ my ] mortgage situation. '' I called him at this number on XX/XX/XXXX at XXXX XXXX and my phone call went to his voicemail. I left a message reassuring him that I had received his letter, requesting that he not post it on my door anymore, and that I was calling him as he had requested. I asked him to call me back that evening or the next day ( XX/XX/XXXX ) between the hours of XXXX XXXX and XXXX XXXX, when I would be available to take his phone call. As of XX/XX/XXXX and I had not yet received a phone call back from him, so on that date I emailed him at the email address he provided asking that he reply to my email with specific instructions as to how to submit my Loss Mitigation Application. It is now XX/XX/XXXX and I still have not received a return phone call or email reply from him or Fay Servicing.