23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have applied to be on the XXXX income based repayment plan 4 times, once when I consolidated my loans, 2 months ago. ED financial accepted the consolidated loans the next day but did not put me on XXXX plan. I then applied to be on XXXX plan 2 weeks ago, still have not been accepted. I applied twice for XXXX plan on their online portal, still have not been accepted. I have submitted an online form for them to contact me 3 days ago, but have not heard back. I called 3 days ago and was placed in the call back line, but when they called back the next day they immediately hung up without speaking to me. Have been on hold today, was told it would be 85 minutes and am on hour XXXX, still have not spoken to a person yet. Because I have not been able to reach them and they have not received the multiple electronic communications I have sent them from myself and the Student Aid government site, my loans have been accruing interest and I am scheduled to make an astronomical student loan payment that I can not afford. This is absolutely ridiculous that I am forced to do business with this incompetent loan servicer.
Product: Money transfer, virtual currency, or money service

Hello! 

I have been a Chase Bank user since my parents let me get a debit card in High School. While I have had mostly amazing experiences with Chase Bank, today was really hard for me and it makes me think twice about Chase and the fraud protection they offer to their customers. Or, lack there of. 

On the morning of Thursday, XX/XX/XXXX, I went to go buy tickets for my favorite artist, XXXX who would be performing on Friday, XX/XX/XXXX at the XXXX in XXXX XXXX XXXX, Utah. When I went to the website to try to buy tickets, I noticed they were sold out. This scared me, because I knew I couldn't miss the show. So I proceeded to go on XXXX to see if there was anyone selling tickets. Having been scammed by a scam artist one other time, I was trying to be extra careful when looking for tickets. My boyfriend XXXX, and my friend XXXX both wanted to go as well, and trusted me to find the tickets. I came across a girl named XXXX who seemed to have a decent profile and I texted the number she included in her post. I will attach our texting conversation in this thread. I told her I was looking for 3 tickets for me and two of my friends. She told me she had 4, and could sell me 3, for {$45.00} each. I told her I recently was scammed and didn't want another experience like that, and she proceeded to send me the ticket confirmation email as proof. I believed her. I asked my boyfriend and my friend to XXXX me {$45.00} each, and they did. The girl wanted me to pay her via XXXX, which is something that Chase Quick Pay owns. I had her email, and her phone number, so I thought even if this was a scam, I would be okay, since Chase has all of their information. Right? Wrong. I paid the girl, and she told me she was sending me the tickets. Well, they never came. I never got them. I called the girl, call rejected. She blocked me. She deleted her XXXX, so I wouldn't find her. 

I called XXXX, sobbing. {$130.00} down the drain. How do people do this to others? Is this what they do with their lives? Does this make people happy? When I told them what happened, the lady over the phone said " There's nothing we can do. '' I'm sorry, what? You literally have a phone number AND and email attached to this person 's account, and you can't track them down and flag them? It was just a simple NO. How could Chase Quick Pay own XXXX and work with XXXX if they can't find a way to track down scammers? I am not putting up with this.
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Re : Account # XXXX To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

To clarify this matter, please provide the following : 1. Creditor Information : The name and address of both the original creditor and the current creditor.

2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt. 
XXXX. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers. 
Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records. 
Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report. 
Permissible Purpose Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim. 
If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 
Best regards, XXXX XXXX
Product: Credit reporting

I worked for XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX through a temporary agency XXXX XXXX, XXXX XXXX XXXX, XXXX, Fl XXXX. My credit report from XXXX XXXX in XXXX XXXX XXXX says under the collection information that I owe the city of XXXX, {$650.00}. I only worked for them from XX/XX/XXXX - XX/XX/XXXX through the temp agency. I never borrowed money from them. I only lived about XXXX blocks away and they had my address if there was anything wrong why did n't they contact me or the temp agency. I did file a complaint against them through the Equal Employment Opportunity Commission but the complaint did not fall under their statutes. the dates are XX/XX/XXXX/XX/XX/XXXX almost the same dates as I worked for them.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX BANK XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX INTERACT XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  DIR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
PERMANENT GENERAL PROSPER XXXX  PROSPER XXXX XXXXK UPGRADE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX APPLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXXXXXX XXXX XXXX XXXX XXXX OF XXXX via XXXX XXXX OF SO XXXX XXXX XXXX XXXX USED CARS via XXXX USED XXXX XXXX XXXX XXXX XXXX  XXXX VIA DEALER XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action on this matter.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 


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

I am writing the CFPB once again because the last case was closed without an amicable solution when I wrote you previously, I provided an immense amount of evidence showing that the negative information that is being reported by XXXX XXXX XXXX for a creditor named XXXX XXXX with Account # : XXXX in the amount of {$320.00} is being illegally reported to my credit file that Equifax records has on my credit profile. 

Additionally, Equifax has deleted this same creditor in the past under a different investigation with the CFPB which I will also attach once again. 

Furthermore, XXXX has taken the matter of the investigation I had with them very seriously and immediately deleted the illegal records of this creditor and others on XX/XX/2020 from my credit request and I am asking Equifax to do the same. 
Please review the evidence attached. I'm in the middle of applying for a mortgage and this account this is listed on my credit report that is not mine is holding me back from being able to apply for a mortgage. 

I need to have this account remove as soon as possible as you will see that XXXX  took this matter seriously and deleted this account and others quickly because they're not mine. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX Please govern yourself accordingly.
Product: Credit card or prepaid card

I filed an dispute with Bank of America XX-XX-2017. Advised, Bank of America to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised Bank of America that they are allotted 30 days to provide disputed results to me. Never received correspondence from Bank of America.
Product: Debt collection

I received a letter from XXXX XXXX stating I owed {$1700.00} for a XXXX from an account that was opened in my name. I don't own a XXXX, and I never opened an XXXX XXXX account. Now, the account has been turned over to collections to a company called Sequim Assets Solutions, LLC. And they sent a letter.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Opened On : XX/XX/XXXX Balance : {$500.00} Issue : Incorrectly reported as a charged-off account with a balance due. 
Request : Provide proof of the charge-off, update the balance to {$0.00}, or delete the negative payment status. 
XXXX XXXX Credit Card Account Number : XXXX Opened On : XX/XX/XXXX Balance : {$710.00} Issue : Incorrectly reported as a charged-off account with a balance due. 
Request : Provide documentation supporting the charge-off, update the balance to {$0.00}, or delete the negative information. 
XXXX XXXX XXXX XXXX Credit Card Account Number : XXXX Opened On : XX/XX/XXXX Balance : {$0.00} Issue : Disputed missed and late payments. 
Request : Please provide statements or records of all payments made and missed since the account was opened. If documentation can not be provided, I request deletion of the negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$170.00} to XXXX XXXX with Affordable Financials/XXXX And XXXX XXXX  for Credit Repair and  Restoration that was never completed then she stopped responding to my emails and phone calls. Not mention she got my credit report locked causing such a headache.
Product: Credit reporting or other personal consumer reports

I will never stop refilling complaint to the REVVI-XXXX XXXX for allowing the fraudulent account and for not taking corrections on my credit report despite the multiple request I sent on the following dates XX/XX/year>, XX/XX/year> and XXXX XXXX. I have my dispute letter dated XX/XX/year> alongside with this complaint is the identity theft report number XXXX allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report the fraudulent account still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Debt collection

I don't recall having a contractual relationship with AMSHER COLLECTION SERV Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this May Concern :   XXXX     I sent out letters to all three bureaus pertaining to a bankruptcy on my report. I asked the bureaus to send me documentation with my signatures and how they verified this information. The bureaus stated that the courts verified this information to be true and accurate. I got a letter from the court stating that they do not verify nor submit any information to the credit bureaus it goes through 3rd party companies such as   XXXX   XXXX   which is against  Federal Law   XX/XX/XXXX    the bankruptcy was removed from my equifax report then later it was placed back on. I need to speak with someone about having this information removed from my  Public Records
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I tried to Zelle somebody I Knew {$850.00} but by mistake Zelled her old number, When I contacted XXXX  they told me they couldnt do anything about it! I never got that money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to ELIMINATE a portion of the data in my credit file that came about because of a FRAUD yet I have certain accounts passed on that should be deleted. Per FCRA segment 605 you are expected to clear any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX  XXXX Balance : {$190.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$89.00} ; XXXX XXXX Balance : {$160.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}
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. Also I'm victim of true identity theft, and the listed accounts below don't belong to me. 

I directed XXXX, Transunion, and XXXX to reinvestigate these accounts, I even sent certified mail, and spoke to countless people at all three reporting agencies sent over all of the requested correspondence that I believe was disregarded. To be clear these accounts don't belong to me, remove them expeditiously. 

XXXX : Account # - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : DEPARTMENT STORES XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Loan was paid off to XXXX XXXX XXXX XXXX but still shows an unpaid/charge off. Letters onXX/XX/2018 were send to XXXX, Experian and XXXX to update and or delete the information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint as i have attempted to dispute the late payments on my credit report with Experian as they have impacted my credit worthiness as a consumer of the United States. As of the FCRA 15 USC 1681B my rights have been violated as Ive NEVER given written consent to the credit bureaus to furnish those transactions as well as FCRA 15USC 1681a is another right of mine that was violated as this transaction was supposed to be exclusive between me the consumer and the creditor. Experian has repeatedly sent me inconclusive responses simply stating they verified the disputed items but they have not sent me conclusive verification that Ive requested in the attached method of verification. Documents attached.
Product: Debt collection

This debt is originally to XXXX for {$830.00}. I have been trying to correct this with them for over a year now. Credence RM is the current collector for this debt. I have conteacted them on numerous occasions. I was directed to contact XXXX directly because there was nothing the collector could do for the fraud. XXXX then directed me back to the debt collector. I have gone back forth multiple times. I received a letter from Credence RM that the account would be deleted and not pursued any longer. However, it has never come off of my credit reprts and continues to damage my credit. I was the victim of identity theft and have the documentation stating so. But these companies refuse to take the account off even after filling out all the required documents and receiving proof of deletion. I do not know how else to resolve this issue with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and Equifax after receiving notification there were some changes made on my credit report. There almost XXXX inquiries that I do not recognize that are adversely affecting my report. I was told they could not be removed for XXXX years.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I reached out to our mortgage company in the month of XXXX about deferment plan on our account with XXXX Mortgage. a loan specialist looked into our account to see if we have eligible for a deferment plan. He said that my wife and I was eligible for a deferment plan. He told account for the defer months will report our credit report for those months and also will not report late as well. he our account specialist was on the phone and he will setup a call back time for us. our account specialist did try to call me, but she said the call wasn't going through and she was putting in three months deferment for us. We did receive a letter in the mail, and it said the same exact thing the loan specialist said over the phone there will be any late payments on our credit reports. My wife and I receive alert from TransUnion saying the is a change on our credit report. Upon looking at the change the change was XXXXXXXX XXXX XXXXXXXX number XXXX reporting late and drop my credit score XXXX XXXX. as of now it's only on TransUnion not the other credit bureaus as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received letters regarding denial of credit applications which I don't recognize, on XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX  ( Crysler capital ). These financial companies are recorded in my credit reports but the letters indicate that someone used my identity for a fraudulent credit application. 
On XXXX XXXX, the dealer, XXXX XXXX XXXX has confirmed that they submitted the applications to total 8 auto finance companies and these two finance companies ( XXXX and Crysler ) are part of 8 companies. 
Any application submitted by or via the dealer, XXXX XXXX XXXX, is fraudulent, and I was never involved any of the transaction or associated communication. Therefore, I'm not liable.