23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX, there were XXXX isolated fraudulent credit card charges on my Chase credit card account, an account which I opened in XX/XX/XXXX. At that time, I contacted Chase about the charges, and Chase replaced my card. I subsequently contacted XXXX to request that a security freeze be placed on my account. I did NOT dispute the Chase account, but XXXX contacted Chase and required that my account be closed. Further, my 11 year Chase credit history was entirely removed from my credit report without my consent. On XX/XX/XXXX, I contacted XXXX and spoke to XXXX, a Supervisor in Special Handling. She looked at my security freeze request and verbally acknowledged that XXXX was responsible for the error. She stated that I would need to contact Chase to have the account reinstated, and then XXXX would update my credit history. Chase, however, refused to reinstate my account, even though I had paid in full for all charges other than the XXXX fraudulent charges in XX/XX/XXXX. Chase told me that once all XXXX credit reporting agencies instructed them to reinstate my account, they would do so. After much back and forth between Chase and the credit reporting agencies, none would take action ; I was then placed in a " Catch-22. '' Because XXXX had made the original error, I filed a complaint against XXXX with the CFPB to request that they contact Chase to correct their error. XXXX replied that they had re-inserted the item on my credit report and sent it to Chase for approval. Chase refused to reinstate it, and XXXX now states that, " Chase has removed the account as verified fraud by credit grantor. '' Chase has clearly made an error. If my entire account had been fraudulent, I would not have been paying my bills in full on the account since XX/XX/XXXX. Only the XXXX charges disputed with Chase were fraudulent. In fact, even though I never received a bill for some of my charges in XX/XX/XXXX after they unexpectedly closed my account, I voluntarily contacted Chase in order to determine the balance due, which I then paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( collector for XXXX XXXX XXXX ) is reporting collections on my transunion report that was included in a bankruptcy that was discharged on XX/XX/2019. I disputed with transunion & it was updated to include a statement that it was included in bankrutpcy, but that is insufficient as it still is showing as an active collection account that is impacting my score. I need this account removed. It is not an active collection account
Product: Student loan

In XX/XX/XXXX, I was told by my loan holders that I could apply for loan forgiveness if I consolidated my loans. I asked who I need to consolidate them with in order to get the loan forgiveness and was told there are several loan companies and the one they recommended was XXXX. 
Once I consolidated to XXXX, I asked how to get student loan forgiveness and was told my only option was that my loan would be forgiven after 25 years in repayment but I could apply for income-based repayment ( IBR ). 
I applied and was approved for IBR and was fine with 25 years because the amount that I needed to repay was something I could NEVER afford. 
I was in school for XXXX  XXXX XXXX but in my last year of school was given a XXXX  and not allowed to return to school. My appeal was denied. I then had the loan of a XXXX  with the income of a XXXX. 
Because so many things bad happened, I came to realize 25 years was better than never having the loans off my back. 
THEN, I heard about public service loan forgiveness so I had my employer send in a verification of employment and was told I did not qualify because my loans needed consolidated. I told them that I had my loans consolidated but then was told the loans needed to be with DirectLoans. 
I IMMEDIATELY sent in my application to consolidate with Direct Loans and am now on the right track. 
BUT, my complaint is the numerous times that I was misdirected by the loan companies. In particular, I had a time period from XX/XX/XXXX-XX/XX/XXXX where XXXX told me I was in the loan forgiveness program and in fact, I was not! 
It was not until I read an article that OTHERS were also DUPED that I realized this is happening to more people than just me. 
It must be understood that I went through a traumatic experience when I was kicked out of XXXX XXXX. I was preyed upon by these loan companies because my loans were HUGE AMOUNTS!! 
I now owe over {$340000.00} in loans that are held by XX/XX/XXXX ( {$320000.00} ) and XX/XX/XXXX ( {$16000.00} private loans ). 
I have written several politicians with no response. I've even written the President of the United States of America. 
I need help and will give you all information you need! I will attache the documents I have readily available. 
I trust you are the one that can direct me to a solution! 
* ( Please note : I attempted to acquire previous loan information from XXXX, XXXX XXXX, XXXX, NelNet, XXXX XXXX XXXX, and all other lenders that my loans were transfered between, but was told there were no records under my social security number. ) Thank you for your time! 
Kindly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX this FTC adavit to report several separate fraudulent accounts appearing on my consumer FICO credit report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDPCA laws. 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: Student loan

When my initial payments began I was still in XXXX - I got the loan to study a XXXX at the University XXXX XXXX and XXXX. I 've been planning to build a life there since it was better than my home XXXX. At the time I could n't pay the monthly payments because my savings were low and I did not have a job despite numerous job applications. I 've had to use XXXX XXXX/Navient 's forebearance which has upped my monthly payments since interest accrued. They tell me that due to my Smart Option Loan, I can not apply for Interest or Monthly rate deduction, that I can only have it reduced if I go back to school or find a job. I am still in the process of that, day after day. My cosigner, my elderly grandfather, can not afford to pay forever. Simply put, I wish for them to cut my monthly payments in half, which would be a lot more manageable for me and my cosigner, so I could breathe easier whilst I search for a job. I have called them numerous times, explained my situation in detail, my lack of money, my time dealing with XXXX to stay in XXXX and since returning home, I 've been diligently trying to find a job, to no positives yet. While I can understand terms and conditions of what one signs, it seems irresponsible of a lender to not want to help a borrower when they make claims that they can or will do so.
Product: Credit reporting

Hi, I have a XXXX account # XXXX, which I have disputed with Experian for since XXXX XXXX, 2015. Please find attached the police report for your reference. Please note that this account resulted from identity theft and due to an error on the police report where this account was listed as a XXXX account instead of an Experian. This account never existed on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to XXXX and Equifax on XX/XX/2022, respectfully requesting to be provided proof of alleged debt accounts reporting falsely on my credit report, specifically requesting the contracts, notes or other instrument bearing my signature of accounts submitted and no proof was submitted to me. The results came back as " Updated or Verified '' only with no proof so I am filing a complaint for their failure to comply with my request under federal law FCRA 609/611 provisions.
Product: Debt collection

On several occasions in XXXX of 2023 I got a call from XXXX from XXXX. I tried calling the number provided but it was out of order, the voicemail was intelligible and I had several family members call me and tell me that they have received multiple calls from this agency. 

I did get a hold of this person but their system was down and could not verify my information or the debt issuer. I told them they contacted my family and they denied this even though they retained voicemail regarding my debt thinking my mother and sister were both my spouse. 

I told them to cease calling my family and the individual denied ever calling them. I also requested to verify the debt and they could not.
Product: Credit reporting or other personal consumer reports

There are inaccurate inquiries on my Equifax credit report that do not belong there. Please remove them from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 Accounts XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX-Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Tennessee XXXX Acct # XXXX Capital One CAPITAL ONE, XXXX XXXX  XXXX XXXX XXXX, VA XXXX CC : Consumer Financial Protection Bureau XX/XX/2020 To Whom It May Concern, I am making a formal complaint regarding your credit inquiry process. 

I am distressed that you have reported excessive hard credit inquires to my credit report when it was communicated to me by your representatives that Capital One offers via XXXX XXXX were soft inquires and therefore would not appear on my credit report at all. It was also communicated to me that once I already had credit card from Capital One that any additional loan inquires would only be soft inquires. 

There should be only one hard inquiry on my credit reports for Capital One. As it stands today my XXXX XXXX and XXXX credit reports each shows multiple hard inquiries from Capital One which negatively impacts my credit rating. This is especially distressing because I was a great customer and always made my payments on time. I did this with the thinking that Capital One would definitely see me as a great customer ; however its a slap in the face to see that my great stewardship and diligence to build a positive credit trade line ends up actually hurting my credit score. 

Therefore I contend that Capital Ones processes for credit inquires exceeded expectations and was performed without properly informing me, the customer that these were hard versus soft inquires to my credit. I also contend that Capital One should do more to properly educate their representatives and potential customers on the difference between hard versus soft inquires as it was clearly not communicated to me that obtaining and properly paying on a Capital One account would be negated due to excessive inquires. Had this been properly communicated Im quite sure I would not have applied at all. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Product: Credit card or prepaid card

At the time, I was going through financial hardship. I wasn't making enough money and missed my Wells Fargo Credit Card payment. The company did not work with me which resulted in my credit history being affected. I made the payment a few days late and there was nothing the bank can do.
Product: Credit card

Called the credit card company to inquiry on account number, after being explained that they couldnt give me the number i said i wanted the account closed and the associate asked to confirm the closure for which i didnt give an answer to since i was doubting myself if i should do it. after a nasty attitute from the associate, i was going to say to leave the card open and she said she had closed the account already without giving me the chance to confirm my choice or giving me the required the disclosures. i found out later that i needed to reapply again and have another hard inquiry on my credit in order to get the card again.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

They ( Performant Recovery , Inc. ) are repeatedly calling my workplace, and are going to get me fired. My employer does not allow any calls period, except family emergency calls. The actual name of the person is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the Credit bureaus for the correction of the Disputed erroneous accounts being reported on my Credit File, and yet the Credit Bureaus have done nothing! I sent a letter to the 3 Credit Bureaus last XX/XX/2022, to update these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINTs, and I'm including it again. Please have the following items fixed at the earliest possible time : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote and mailed a dispute letter to Equifax delivered per US Certified Mail ( attached ) XXXX XXXX, XXXX. XXXX XXXX after waiting more than 30 days as instructed I had not received a response and reached out to Equifax customer service. I was advised that my dispute had been complete, that all accounts in question had been verified by the creditors but provided no documentation or evidence. I advised the representative that per my dispute and rights afforded to me by FRCA I was due copies of the original contracts to verify the accounts added to my credit reports or the information was to be deleted. The representative advised that they had heard that before but the companies were not required to provide them the information and they would not delete the records based on FCRA information provided. The representative said they mailed out my results on XXXX and i had to wait. I reached out to Equifax again after XXXX only to be told again they would not delete the records again and that i they would send me a copy as promised before and i would need to wait for it to arrive. After attempting to work with Equifax on several occasions, being denied on multiple occasions, my next step is to start litigation against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been desperately trying to correct my credit report after XXXX Bank and XXXX XXXX made entirely false reports of missed payments on accounts that were never late. The Credit Bureaus have illegally neglected to follow the law. In distress, I signed up for Credit Saint. Their offer was to refund the fee if the issues are not resolved within 90 days. They scammed me for money from me and have not addressed the false reporting from XXXX and XXXX XXXX. My XXXX  XXXX XXXX credit card has flagged them as fraud. I can not believe how injust this entire situation has become.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report I noticed that there are inaccuracy on the late payments, on the month of XXXX XXXX and XXXX  has no data provided but XXXX  has it 30 days late payments which is clearly inaccurate.
Product: Credit reporting or other personal consumer reports

An XXXX XXXX XXXX credit card under XXXX with XXXX  address and phone number appearing on my credit file as a collections. when I try to call XXXX XXXX they say they do not have my account and are no longer associated with XXXX however they are reporting it as late every single month when I call XXXX they say I need to call XXXX. I have no one to resolve this with yet XXXX continues to negatively hit my credit every single month. I was recently victim of identity theft as well
Product: Debt collection

In XX/XX/XXXX, I had an accident with a car rented from XXXX. My insurance company paid the claim. XXXX, however, contended there was additional damage that I did n't cause ( was n't noted on the accident report and appeared to be damage caused to the bumper from towing ). In a discussion held in XX/XX/XXXX, a XXXX rep agreed I to not charge for the damage I did n't cause. However, they continued to seek damages for loss of use, even though the repairs to the original damage should n't have taken nearly as long as claimed. When my insurance company and I tried to connect with the XXXX collection department on several occasions to try to resolve the issue, we received no response from XXXX. Then in XX/XX/XXXX, I was contacted again by XXXX with a demand for both the damage I did n't cause and the loss of use. 

Finally, I contacted the customer experience team at XXXX with my complaint and received a response that the claim would be dropped ( see attachment " XXXX email string '' ) and that the collection agency would be advised to drop the claim. However, in XX/XX/XXXX, I received a collection notice from Viking Client Services ( see " XXXX '' ) seeking payment. 

I am registering this complaint because the XXXX collection area has been singularly unresponsive to earlier communications, so I am concerned that the matter will continue to go unresolved unless sufficient pressure is brought to bear to get their attention. Ultimately, I just want to make sure that a ) the complaint is dropped and b ) the complaint and attempted collection is in no way reflected on my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note this is not a debt validation request. This is a request to be removed from credit reporting according to the consumer laws noted.

( 15 USC 1681 ) According to the U s consumer laws I have a right to privacy.

I request for all of the disputed accounts to Cease Desist credit reporting.

I repeat, I invoke my privacy under the consumer laws to cease credit reporting on the disputed accounts.