23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX Account Number : XXXX This is a charge off account why is it showing on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report. 

XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$540.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX This is a charge off account why is it showing a still on my credit report, This is seriously damaging my credit scores. Please delete this inaccurate XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported w/o valid evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 a secured loan were open in the {$2500.00} and I disputed these such action and the account was removed and a false name wasn't removed AS I DISPUTED SUCH NAME, XXXX XXXX AND FALSE ADDRESS WAS DISPUTED AND WASN'T REMOVED AS WELL AT XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been trying to get my XXXX XXXX XXXX XXXX count updated for my account for a few months. MOHELA  has not been clear on deadlines nor dates about when this will happen. I have been told from them to call Department of Education. After talking to the Department of Education. I have been told that MOHELA is the ones to oversee this. This is completely unacceptable.
Product: Payday loan, title loan, personal loan, or advance loan

I am disputing the information reported by 800 Loan Mart for Incorrect Reporting of Account Status.

The account status is reported as Paid, Closed/Never Late, and the 37-month term has passed. However, there may be discrepancies regarding how the account is being reported. The loan was paid off and closed properly.

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, I did not provide written consent for the company to continue furnishing or reporting my information after a specific date. I believe that 800 Loan Mart may be reporting information beyond the agreed period, which I dispute. I did not consent to the company reporting this information on my record until XX/XX/year>. 

Incorrect Address Reporting : As shown on my credit reports, a few incorrect addresses are being reported for desperate loans by the same company. I request you investigate and correct this information based on my address. Please let me know if you require documentation to verify the correct address that corresponds with the address used at the time of the loan ( s ) ( such as utility bills, lease agreements, etc. ). 

I have asked XXXX to investigate this matter thoroughly and make any necessary corrections to ensure the information on my credit report is accurate ; instead, it just reflects as a status update.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I notice fraudulent accounts that I didn't authorize. These fraudulent inquiries were not authorized by me and they are in violation of my FCRA rights. 

These are the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My personal information has been breached. Along with many others in the XXXX. Im constantly receiving emails, phone calls, and text messages from who I believe to be scammers. They all seem to be coming from outside of the XXXX I am tired of all the inconvenience Plus XXXX XXXXXXXX XXXX  and their parent companies illegally charged upfront fees and engaged in deceptive, bait-and-switch advertising for credit repair services in violation of the Consumer Financial Protection Act of 2010 and the Telemarketing Sales Rule.. I the removal of all negative accounts that is causing all the phone calls, emails and texts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I requested credit freezes I did not ask for, be removed...
Product: Checking or savings account

My complaint has to do with Comenty Direct, their policies and customer service. I couldn't access my account for three weeks because of a glitch in their secondary verification process. I kept calling and kept being told that someone would get back to me in 3 to 5 days. This in itself is outrageous -- three to five days when you can't access your account. In any case, I eventually got lucky and the customer service person on their main number was able to solve the problem ( after two other had failed ). 

That was issue # 1. Issue # 2 : I wanted to transfer XXXX from my savings account to another financial institution. When the website wouldn't allow it ( bizarrely limiting withdrawals to XXXX! ) I called and was told I'd need special permission and that it would take ( guess what ) XXXX to 5 days. To make matters worse, the person I talked to on XX/XX/XXXX put in the request but failed to enter the amount ( XXXX ) and therefore it wasn't acted upon. The person I spoke with today ( XX/XX/XXXX ) resubmitted with the correct info, which means I should be getting an answer in ( wait for it ) three to five days! 

In my opinion, this is intolerable behavior on the part of a financial institution. When you have funds in a savings account you expect the funds to be available without having to ask permission and then wait for someone to get around to acknowledging your request. My impression is that they don't take either their fiduciary duties or their customers seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX acount that is on my Experian report was to be removed as it was a fraudulent account. and I was found not responsible and to have it removed from all three credit beaures.
Product: Prepaid card

I am XXXX of the XXXX effected by the rushcard scam or whatever happened that they took everyone 's money for 2 weeks and my account was messed up and caused bills to pile up and bills to bounce and I have late fees and missing money from my direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a 6 year relationship with my ex girlfriend, we lived together and her vehicle got totaled infront of our house one night while I was working a 24 hour shift. We immediately got a loan from the XXXX/LOCAL government credit union I banked at. I was the cosigner due to her poor credit and not being able to get the loan herself. Fast forward to her cheating on me and getting XXXX, I was told I was the father but after everything I got a paternity test and found out I was not the father. I then made 3 months worth of payments to make it current. I then asked her to go refinance with her current bf, future husband. She was denied. I tried asking the lending company to allow me to take over the vehicle but my ex wouldn't turn over the vehicle and by law I had no right to it ( I wouldn't risk my career by just going and taking it ). Again nothing happened and she went delinquent ..by 5 months this time before I caught wind. I then tried yet again to get taken off as the cosigner. She was married by this time, and current husband wouldn't cosign. So after all of this, I am still the one getting penalized with her lack of responsibility. The vehicle was in repossession and she was driving it around for 3 months still. I went in and asked again to remove me, or repossess the vehicle and allow me to take it over and bring the payments current. Again I was told that wasn't a option. I then asked when they would get the vehicle, they were trying with no luck. This was due to them having my address as her home address and she hadn't lived there in almost a year at that point. I had no idea where she was staying, but gave her employer address which they also did not have. All this time I was in the process of moving from XXXX  to XXXX. They finally repossessed the vehicle 2 months after i moved, and a year later. I am the one paying for it. My credit is shot due to lenders not allowing me to do anything to prevent this situation. I would like my name removed completely from this repossessed account. Her name has changed, so doubt it effects her as it does me. That is besides the point, I tried on numerous occasions to figure a way to make this work and even gave them the information to repossess the vehicle. There has to be a better way of protecting the cosigner after a fall out with the primary. This is absolutely absurd that I have to air my grievance like this. Do the right thing and fix it please
Product: Debt collection

This debt is not mine I disputed my other Midland account and they removed it from my credit bureau account but did not remove this one I was a victim of identity theft and want this debt removed immediately
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX Balance : {$120.00} XXXX  XXXX XXXX : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1400.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Debt collection

The debt collection agency Direct Recovery XXXX has indulged in repeated predatory, fraudulent and illegal methods of communication concerning a debt I have never owed. They have text me and leave messages constantly beginning this year.
Product: Student loan

I enrolled at XXXX University 2008 ; I inquired with XXXX about cost, ways to reduce cost, ways to complete school faster. The intake person was not completely honest ; she said I would graduate in two years using transfer credits and life credits. This was not accurate. She failed to tell me that life credits are not free that they must be paid for out of pocket, and that I did not have enough credits to graduate in 2 years. Once I discovered the fallacies I was already in for almost 2 years, so felt I should continue. Once I graduated I had a debt of XXXX and my loans serviced by XXXX XXXX, now Navient. I called them repeatedly for assistance in repayment options ; they kept putting my loans in forbearance or deferment, without letting me know that interest was accruing. My student loans are now at XXXX ; I will never be able to pay this off. We will have to sell our home to help pay this off so we do n't take this into retirement. I am so disappointed that I was not given accurate information and assistance from the beginning. Is there any recourse for this ; I am more than willing to pay for my original loan, but all the interest has doubled the amount. I am not sure how to even begin at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Credit card account used to apply fraudulently for a line of credit for a loan from the US Gov small business association and opening a credit card account with XXXX XXXX
Product: Checking or savings account

On XX/XX/2025, I received an email from SoFi bank saying my account was being restricted and I couldn't access any of my funds or use my debit card. I tried to contact the bank for further information for almost XXXX weeks and was never able to get in contact with anyone on the internal review team. Yesterday on XX/XX/2025 I received an email from XXXX stating my account will be CLOSED, leaving me with no access to almost XXXX dollars and I can't pay my rent or bills and am in danger of getting evicted
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX XXXX - XXXX XXXX : XXXX XXXX - XXXX
Product: Debt collection

A {$75.00} collection charge from enhance recovery collection company from XXXX XXXX XXXX was charged to me. This was an account that was in my wife 's name and had nothing to do with me
Product: Checking or savings account

The XXXX XXXX  has sent my account into the red more than XXXX on multiple occasions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian explaining that I have several inquires that I have not authorized them to have access to my credit report. This information is fraud and I have attached the FTC report to have this information deleted from my credit report.
Product: Vehicle loan or lease

Credit Acceptance Corporation charged me with an excessive finance charge. The finance charge of an {$8000.00} vehicle, I was charged a finance charge of {$6300.00}. With a 22.99 % interest rate. Plus I had a XXXX month extended warranty, and had a bad alternator during the first week and had to pay out of pocket for the entire repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the correspondence sent to ERC and Credit Agencies this morning. ERC continuously attempts to collect invalid debts. I have received several notices from them, and each time the debt is later removed. I am asking that they be reviewed based on the CFPB guidelines with regard to consumer debt/collections. They continue to violate my rights, and I want them to cease ALL COLLECTION AGENCY IMMEDIATELY. 


Good morning, I am requesting that the collection activity for this account cease immediately. I have not had XXXX XXXX in Several Years. When I did have the service through XXXX XXXX ; all bills were paid, and all equipment was returned. I had a remarkably similar issue through your collection agency regarding XXXX ( another Cable Company ). That was removed immediately at the direction of XXXX XXXX, Senior Vice President of Operations, as the collection was not VALID. Again, I asked that you remove from your collection activity. If you can not do so, please have Mr. XXXX contact me directly at XXXX. 



Confirm New Collections Account A collections account from ERC was added to your credit report on XX/XX/XXXX 
CREDITOR INFO ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT TYPE Collection Account DATE OPENED XXXX XXXX, 2020 BALANCE {$200.00} ORIGINAL CREDITOR 11 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters in regards to errors on my credit reports .... They have not responded to my request ....
Product: Mortgage

In or around XX/XX/XXXX, I fell behind on my mortgage payments due to testing positive for XXXX. This resulted in forced time off from work which resulted in the loss of household income. On XX/XX/XXXX, I applied for a XXXX XXXX loan modification with Cross Country Mortgage. 

For the next ten ( 10 ) months, Cross Country Mortgage kept my client on a proverbial hamster wheel of document submissions in which I was repeatedly asked by the mortgage company to submit the same pay stubs and bank statements over and over again by telephone. Over the span of ten ( 10 ) months, Cross Country Mortgage issued XXXX ( XXXX ) separate requests for pay stubs and bank statements and I promptly replied by providing these documents each time. 

On XX/XX/XXXX, after having received XXXX ( XXXX ) separate document submissions of pay stubs and bank statements from me over a ten ( XXXX ) month period, Cross Country Mortgage denied me for every loan modification which the XXXX XXXX had to offer. In its denial letter, Cross Country Mortgage made a series of false representations designed to delay and frustrate the loan modification review process. First, Cross Country Mortgage deliberately excluded any mention of the XXXX Refund Modification for which I, as a veteran, was entitled to be reviewed for as of XX/XX/XXXX. Second, XXXX XXXX deliberately excluded any mention of the Streamlined loan Modification for which I, as a veteran, was entitled to be reviewed for without having to submit a loss mitigation application as of XX/XX/XXXX. 

On XX/XX/XXXX I was informed by XXXX XXXX 's foreclosure lawyer that a foreclosure auction could be scheduled on my home as early as XX/XX/XXXX and that they were only waiting on the XXXX XXXX moratorium to end. I want to apply for a loan modification in XX/XX/XXXX and I need the CFPB to contact Cross Country to help me stop the foreclosure so my loan modification application can be reviewed. I have a wife and children and we have no where to go if XXXX XXXX takes our house. Please help.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX 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

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX reported my MasterCard as over-the-limit on my last statement. Subsequently, they reported this information to all three credit bureaus. This information is inaccurate. On XX/XX/XXXX, I made a payment of {$180.00} to prevent my account from being sent into over-the-limit status. In fact because I did that, XXXX Mastercard 's computer system rebated me interest charges and fees ( see below ). 

XX/XX/2021 *INTEREST CHARGE* PREV CYCLE PURCHASES $ XXXX XX/XX/2021 PREVIOUS CYCLE DEBT CAN FEE $ XXXX However, they still charged and reported to all three credit bureaus for being over-the-limit. I want to them to correct this mistake and report accurately that I was not over limit and report the correct balance to include the {$180.00} payment which would prevent my account status from being changed on my credit report. I have a screenshot of my account activity for XX/XX/XXXX with this evidence highlighted that supports my position. 

Attempts were made to resolve this issue through the individual credit bureau online dispute process, but their websites keep crashing every time I click the Submit button. Someone might want to reach out and reprimand the web-development team.
Product: Credit card or prepaid card

I applied for a Blue Business plus credit card on XXXX XXXX and XXXX XXXX and was denied because Amex said they obtained my XXXX score from XXXX and used it in making the decision to deny me. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.Code 1691c and is Pursuant to civil liability under 15 U.S.Code 1692k. Amex is subject to criminal liability for violating 15 U.S.Code 1691 as I have proof that i was descriminated against by AMEX due to the response I received. AMEX is in violation of 15 U.S.Code 1642 .15 U.S.Code 1681m and 12 CFR 1002 because I, the consumer mad an apllication in good faith, but credit was not issued.