23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX at approximately XXXX XXXX EST, I contacted Navient in regards to reducing my monthly payment amount for all 8 of my private loans. The first representative offered no options so I asked to speak to a supervisor. After speaking to a male supervisor, he also offered minimal options and before the call was over he said to me that I should find gainful employment so that I could be able to pay back my student loans. As a consumer, that was totally unacceptable as he does not know my situation. Also, his tone was rude and he offered no real solution to ensure that my accounts remained in good standing. I have always paid my Navient loans and would consider myself a good borrower. After reviewing the Navient website, it offers Extended Repayment and Rate Modification/ Extended Repayment options for private loans but I was told i am not eligible for either. As the phone call continued and the more frustrated I became, I did state that I'm better off letting the account go into collections. According to the supervisor I spoke to, even though I stated I will still pay Navient what I can afford, the supervisor stated I would still go into collections then default. How am I able to go into default if I still would be making payments but I just am unable to pay the full amount? Navient does not offer any working solutions for a borrower like myself to effectively manage their student loans. Their company rather send you to collections and destroy your credit rather than to help you stay current. Currently, my Rate Reduction Program is extended until XX/XX/2019 but I want Navient to offer me a better long term solution to repaying my student loans such as the Extended Repayment for the life of the loan. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the XXXX XXXX XXXX XXXX XXXX account, with the original creditor being XXXX at XXXXXXXX XXXX XXXX and account number XXXX, be removed from my credit report. This account was opened fraudulently and I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I have sent multiple letters that have gone without response causing immeasurable stress.
Product: Debt collection

Please send me the contracts that I allegedly signed for each of these accounts. I know that you didn't legally investigate these because if you had, you would have known that I had never signed anything at all. I contacted these collectors and was notified that you did not reach out to them. In addition, when I sent my debt validation letter to them, they failed to send me legal validation. So, what is it that you have to verify if you didn't contact them, you don't have anything that I've signed and no one has any proof? Please remove these accounts for failure to verify : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly.
Product: Credit reporting or other personal consumer reports

Dear, BANK OF AMERICA I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditor is violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to this company notifying you guys that this listed account is fraud. My information isnt protected, and this credit bureau and company isnt honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this company, this company did not honor my rights or acknowledge my supporting documents regarding identity theft. This account was open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from this creditor, and assisting to furnish a wrong, and fraudulent account. I demand this account be removed ASAP. 

How dare you claim these allegations towards me sending a letter of what perpetrators did to obtain this FRAUDULENT AUTO LOAN, make payments, and try to secure more loans in my name without my consent while I was incarcerated, lets prove this matter in court BANK OF AMERICA. I was incarcerated for 10 years, and I cant even use my credit because this company along with the perpetrators opened and secured a FRAUDULENT AUTO LOAN in my name. Ive reach out to you in good faith and once I fully pursue litigation in court due to a failed secure identity system BANK OF AMERICA fails to maintain to keep consumers protected, you guys will pay for false accusations, violating my consumer rights, and deliberately ignoring my claim. These guys created fake documents, and partnered with BANK OF AMERICA to open, and maintain a fraudulent auto loan.
Product: Student loan

My lender, Discover, issues an email message to me monthly to notify me that my current statement is available to view. However, Discover did not notify me in XXXX regarding my statement for the payment due on XXXX XXXX, XXXX. In addition, Discover has not notified me or even created a statement for me for the payment that is supposed to be due on XXXX XXXX, XXXX. I typically make my monthly payment the date I receive notification that a statement is available, so I have incurred additional interest as a result of Discover 's recent procedures. In addition, from my understanding, these are Regulation Z violations. I called Discover and spoke with a customer service representative, but I have not received any assistance regarding this matter. My account number is XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX  XXXX Account name XXXX XXXX  XXXX Account name : XXXXXXXX XXXX XXXXXXXX. XXXX Account name : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

15 U.S.C. 1681S-2 ( a ) ( XXXX ) 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Account is reflecting late but was paid off by insurance comapny
Product: Debt collection

On XXXX XXXX, 2025 I reviewed my credit report. I noticed a lot of incorrect information reporting on my consumer report. There are XXXX collection reporting on XXXX XXXX and XXXX that I have not given permission to have my personal information. Sunrise Credti Solutions, Account Number XXXX, XXXX XXXX XXXX- Account Number- XXXX and XXXX XXXX XXXX - Account NUmber XXXX violated my right for privacy for reportin non public personal information without my permission, I am demanding for these collection agencies to cease and desist All communications written, phone, email text and reporting on XXXX XXXX and XXXX . 

I need these collections to permanently remove the accounts from my credit report and their system based on violations of federal law and my rights as a consumer
Product: Credit card

On XX/XX/2023 I went to purchase an item from Harrods for roughly {$1000.00}, the transaction would not go through even though I completed an online purchase verification 4 times with the texted code I had received. I called an agent who verified my identity through text verification and he assured me it would work. It didn't. I went to XXXX 's and was trying to make a purchase of about {$1000.00}, the card got denied I got on with an agent and he said to verify that he would need to call me back ... ..he never called back, in the meantime I called Citi again XXXX and was able to get an agent who stayed on the phone and she verified my identity by keeping me on hold and calling me back on a different line, I was able to complete the purchase and she assured me that everything was going to be ok and that she would put a note that I would be doing individual purchases up to {$4000.00}. When I got home I did see an alert in my email from Citi Fraud department, I called and they said no issue it probably came over earlier. I tried to make another purchase from XXXX for roughly {$2000.00} and the card was denied. I called Citi and she said she would have to verify my identity by sending a letter that would be received in 5 to 7 business days. Are you kidding me, this is the same company that Fraudulently signed me up for a promotional program that requires spending {$10000.00} instead of {$7000.00} over 3 months which I was really upset about but now that I am well on my way to meeting the requirements of that promotion and I sent a complaint about that which was closed out all of a sudden my card doesn't work even though my identification has been verified 3 times. So basically I will be without the use of my card for a week during peak buying season for XXXX, all of those purchases that would have went towards my {$10000.00} promotional requirement can't be done. I find it hard to believe that none of this is connected. I have had many credit cards over my lifetime I have never seen anything like this. One of the agents before the last one told me that I could also go into a branch to clear all of this up and when I told this to the last agent she said that was no longer an option. I have absolutely had it with Citi, I transferred the money I had in my checking and savings accounts and now I this which makes no sense that I can't even go into a Citi bank and verify my identity. Why is my card still not working after talking with 5 representatives and my identification being verified 3 times. What's next I get the letter give them the code and this whole thing starts over again as I HAVE ALREADY VERIFIED MY IDENTITY 3 TIMES!!!!! They are not only the worst bank, customer service, credit card service they are the worst business I have ever dealt with!!!
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of incorrect accounts from my credit report. Could you verify the documents, as some of the listed accounts contain inaccuracies in their reporting? Swift removal of these accounts is necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX acct # XXXX, XXXX XXXX Bank acct # XXXX, XXXX acct # XXXX, XXXX XXXX Department acct XXXX XXXX, XXXX XXXX acct # 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.
Product: Checking or savings account

I don't have all the information but wells Fargo is always doing this and taking money I constantly had to call them to figure it out
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am submitting this formal dispute regarding the account listed on my credit report as follows : Creditor : XXXX XXXX XXXX Balance : {$500.00} Account # : XXXX This account is not mine and has been determined to be fraudulent. Moreover, the original creditor, The Bank XXXX Missouri, through its account servicer XXXX XXXX XXXX, entered into a settlement agreement with me acknowledging that this account was opened fraudulently and is not valid. 

Description of What Happened : I discovered this account on my credit report and identified it as fraudulent. After extensive investigation and legal action, the original creditor reached a settlement agreement with me, acknowledging the accounts fraudulent nature. Under the terms of the settlement, the creditor agreed to : Delete all tradeline information associated with this account from my credit report. 
Waive any claim to collect on the account. 
The attached XXXX XXXX and XXXX of Claims, signed by both parties, demonstrates that the account is not legitimate. Despite this resolution, XXXX XXXX XXXX, as a third party, continues to report this invalid account, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Actions Taken by Me : Reported identity theft and disputed the account with the original creditor. 
Reached a settlement agreement with the original creditor acknowledging the accounts fraudulent nature. 
Filed disputes with credit bureaus to remove the invalid account. 
Requested Resolution : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request the following actions : Remove this account from all credit reporting agencies and ensure it is no longer associated with my name or credit file. 
Cease all collection attempts and communication regarding this account. 
Provide written confirmation that the account has been permanently removed and that no further action will be taken regarding this matter. 
This fraudulent account is causing unnecessary damage to my credit profile, despite the attached legal agreement confirming it is invalid. I expect a prompt resolution to ensure my credit record accurately reflects my legitimate financial history. 

Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking into my credit report last month ( XX/XX/XXXX ) I noticed many incorrect names, addresses, and credit accounts linked to my credit profile I have disputed some of them and they have been removed but there are quote a few that remain to this day that are incorrect see the below some are reporting to all 3 bureaus Experian, XXXX, XXXX incorrectly XXXX XXXX- open XX/XX/XXXX amount {$700.00} XXXX XXXX- open XX/XX/XXXX amount {$1600.00} XXXX XXXX- open XX/XX/XXXX amount {$1900.00} XXXX XXXX- open XX/XX/XXXX amount {$66000.00} XXXX XXXX XXXX- open XX/XX/XXXX amount {$520.00} XXXX open XX/XX/XXXX amount {$1400.00} XXXX XXXX XXXX open XX/XX/XXXX amount {$10000.00} XXXX open XX/XX/XXXX amount {$150.00} XXXX XXXX XXXX XX/XX/XXXX amount {$1100.00} XXXX XXXX XXXX- open XX/XX/XXXX amount {$1600.00} XXXX XXXX XXXX open XX/XX/XXXX amount {$1900.00} XXXX XXXX- inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX
Product: Debt collection

For every Bill I received I have made a payment. About a year ago I stopped receiving bills, and have not gotten a phone call email or letter about this debt. I did not know this debt still existed until I found out from my credit report that I have an account in collections.
Product: Debt collection

On XXXX XXXX 2017 I contacted this company in regards to a debt in which I hold no contract with which resulted in damages to my credit report and future finances. Immediately when I noticed the alleged debt on my credit report I turn to the company to resolve this yet my request has been denied to remove all negative information from my credit report. This company holds no original contract to prove that the amount owed belongs to me. All correspondence from the company are n't sufficient enough at all I received was photocopied information that does not prove nor deemed that I am liable for this debt. As stated before I demand that this company remove all negative information reporting against my SSN immediately.
Product: Credit card or prepaid card

My complaint might seem strange. All I want to do is pay for what I charged on my HSBC card. 
In XX/XX/2018 I applied for, and received a credit card from HSBC. I made two charges on the account totaling about {$200.00}. Since I have incurred the charges, I have not received a single statement or communication from HSBC. They have not allowed me to access the account on their mobile app.. I have tried to contact the company on numerous occasions to try to pay the account balance. I have spent in excess of five hours on the phone trying to get this situation resolved. At their request I have sent multiple emails ( copies attached ) trying to obtain a statement. I get no reply and they wont communicate with me, but they have no problem communicating with the credit agencies to report my account delinquent. I have never missed a payment on any account in over 50 years and now my XXXX   score has dropped from XXXX to XXXX. Needless to say Id like to get this resolved. 
Thanks for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these fraudulent accounts from my credit report as they are not mine and I have no knowledge of them. I am invoking my right under USC 1681g to have these accounts deleted from my credit report within 15 days. Kindly refer to the documents attached for verification.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my previous attempts to address these inaccuracies, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

Round Point Mortgage LLC assumed servicing of our loan XX/XX/2023. At that time I had a perfect payment history. Despite making my payment to Round Point LLC each of the subsequent months since, they have continued to report foreclosure started each month to XXXX. Each month I have had to contact them and file a dispute with XXXX. This is the 3rd consecutive month they have falsely reported my home in foreclosure. Their negligence in accurately reporting our mortgage as an open, active, current, and never delinquent has caused my and my wifes credit scores to drop damaging our good credit. 
See attached files. Round Point states this is an issue they are having with XXXX.