23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called last year in XXXX to try to lower my payments. I was told that they couldnt lower my payments. They offered me {$15.00} cheaper but my interest rate would be higher and it will add 2 more years to pay it off. I told them that it was too high and that is insane to pay {$15.00} less and have 2 more years added to pay that off so I stuck with the higher payment but shorter year. I also told them I was in school so do I get a forebearance because of it. They said no. I felt like no one tried to help and they were going to make me pay no matter what.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX2025, I received a notification from XXXX XXXX stating that XXXX XXXX XXXX had reported late payments for the months of XXXX through XX/XX/XXXX on my credit report. However, this reporting is inaccurate. 

On XX/XX/XXXX2025, my electronic virtual mailbox system through XXXX notified me that I had received a Right to Cure letter from XXXX XXXX XXXX. This letter explicitly stated : " If you pay the AMOUNT NOW DUE ( {$950.00} ) by the LAST DAY FOR PAYMENT ( XX/XX/XXXX ), you may continue under the above-referenced agreement as though you were not late. If you do not pay by that date, we may exercise our rights under the law. '' Upon receiving this notification, I immediately took action and made a payment of {$950.00} the same day, XX/XX/XXXX2025, bringing my account current before the stated deadline. Despite following XXXX instructions and resolving the issue promptly, my account was still reported as late to the credit bureaus, negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple accounts that started last XX/XX/2019. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.
Product: Debt collection

Hello ; To whom it may concern, I have been in an uphill battle with Hunter & Warfield ( XXXX XXXX ) which has described themselves as a debt collection company base out of Florida. Their address is XXXX XXXX XXXX XXXX, XXXX FL. XXXX. I have contacted this company several times in regard 's to a collection that I have no knowledge of other than it being listed on my credit reports, when I saw this listed I immediately contacted this company by certified mail only to receive no reply. I have been sending this company letters since early XXXX, I even called only to get a voicemail and no response. The company says that I owe them {$2500.00} and I do not know where this debt came from nor do I owe them anything. Each month they add {$5.00} to {$15.00} dollars to the account on my credit reports to show that I have not paid and to keep the debt current. I have tried to contact this so called creditor ( XXXX  XXXX ) and they are no longer in business because the property was sold by a Management company called XXXX XXXX XXXX, property management company ( XXXX XXXX XXXX XXXX, XXXX Georgia XXXX ). This company was called and I spoke to a representative and they advised that the property was sold and have no records of me having any debt with their company because all that information would be with XXXX XXXX. 

I have tried effortlessly to talk with someone at Hunter & Warfield and to no avail has anyone responded, or has the company made an effort to correct this issue. I have also told them that my identity was stolen when my home was broken into and I placed fraud alerts on all my credit reports due to a lot of inquiries and several accounts open on my credit file. This situation with this company has tarnished my credit badly and they still not have responded after at least 12 letters sent to them. This is a clear case of Credit collection bullying!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Balance : {$3900.00}
Product: Debt collection

Ad Astra is showing increase in a collection account. Which by law, no collection account amount can legally increase.
Product: Credit card or prepaid card

American Express has a " Reward Dollars '' program which in the past has been paid to me, the cardholder, by check. I called their " Customer Care '' line last week, and I was told that I could get a check after my auto-pay payment came through on Friday. Unfortunately, I did not take the representative 's name because I THOUGHT American Express was an honest company. Today, ( Monday, XX/XX/2022 ), I called their Customer Care line and spoke to a representative named XXXX. He told me that American Express never issued checks for Reward Dollars, although I have received checks from them in the past, and I was told that I could get a check if I called today. I asked to speak to a supervisor. I was connected, after being on hold for several minutes, to a man named XXXX, who said he was a supervisor. ( Although, I found it strange that It took him several minutes to find for me the corporate address, and he did not know what agency regulated the credit card industry. ) XXXX told me that the only way I could get the dollars that are supposedly mine was to apply them to my account. He said that the representative that I spoke to last week gave me incorrect incorrect information. To my way of thinking that previous agent was lying or incompetent. XXXX told me that, if I closed my account because of their policy, my dollars ( almost {$700.00} ) would be forfeited. If this is my earned rewards, how can they just take it? 
I believe, and I told XXXX, that their Reward Dollars program is a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent off an certified letter to XXXX XXXX to validate an debt. They sent me back an letter stating that the debt was indeed valid however there is no contract showing my signature where i agreed to pay any outstanding balance and they have violated my rights according to the FCRA In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

usc section 1681 along with section 609 of the fcra state that there must be signed authorization for any inquiries made from creditors there are several on my profile that ive never authorized and am not even aware of this is illegal practice and my next step is to persue legal action
Product: Mortgage

In XXXX my wife an I have learned that she will be having a reduction in hours at work. I started to research my options by trying the following : -Refinance with another bank -Refinance with my existing back as they have been overwhelming me with offers.

When I when through the process of refinancing and had my credit pulled they offered me a rate that is not only over 3 points higher than the market rate but is 2 points higher than my rate. So i turned down their offer. Since then i have been trying to do a loan modification.

They sent me an application and i submitted all the documentation required. This started a long process that went in the following order - On XX/XX/XXXX I received a call stating that my application was complete just my name was not clear - Sent in revision that same day XXXX was received a letter stating they needed a hardship letter even though it was not required if i submitted a bank statement according to their application. I sent everything same day. 
XXXX was sent another letter sating that they are missing my paystub and bank statement which i sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I submitted everything. I was told that they have everything they needed. 
XXXX another letter stating missing paystub. 
I called the bank and they said the file is not clear. Which is not possible. This document is a digital file that i have submitted in original digital format, scanned as PDF, faxed, converted to XXXX doc, XXXX, screenshot and have confirmed on multiple computers that it was clear. They keep asking for the same documents over and over to then say " thank you we received everything but unfortunately it expired, please send us updated documents. 

I am trying to act in good faith and pay my mortgage on time but now i am forced to make decisions on whether or not i can provide the proper nutrition to my children or pay this mortgage, all while they are playing this document game. 

I have attached some of the emails i sent to them with document to show that they are all clear. I would upload everthing but there is a 10 MB limit
Product: Debt collection

ERC is fraudulently reporting on my credit reports claiming that I have a debt with XXXX in the amount of XXXX. This phone acct was fraud under my name as I did not open this account After numerous attempts with ERC as well as the credit bureaus, they have not provided me with proof such as my actual signature in opening this such account therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the four major credit reporting agencies. I recently disputed a charge-o for {$1000.00} from XXXX XXXX XXXX XXXX on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unveriable debt from my report as of XXXX According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXXXXXX 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 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXXeported : XXXX. XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX XXXX
Product: Checking or savings account

In a XXXX, I have a recurring bill payment that goes out monthly as follows : XXXX : XXXX XXXX XXXX : XXXX} This payment is for the purchase of property he sold me on a XXXX contract. Due to a problem with this payee XXXXXXXX XXXX ( XXXX or XX/XX/2022 ), where he claimed he did not receive payment and my bank stopped payment and re-issued the check, I watch for his check to clear my account monthly and verify it is endorsed. 

Today, I noticed the monthly check ( XXXX XXXXXXXX ) coming thru NOT endorsed. I requested my bank NOT pay it, rather return it as " Endorsement Missing '' because, without his signature ( or an endorsement guarantee stamp by his bank ), I can't prove he received payment. Upon noticing this today, I immediately contacted my bank via text message rather than phone as I have learned to " CYA. '' : - ) They were USELESS, full of excuses, pass the buck, etc ... at the end you'll notice, they wouldn't even provide me the requested address! Attached to this complaint are an image of the check in question, as well as a transcript of my conversation with my bank moments ago.
Product: Credit card or prepaid card

I am an  XXXX   XXXX  military member that signed up with the   XXXX   XXXX   XXXX   on   XX/XX/XXXX  because they offered me 0 % Interest and {$0.00} Annual Fee for life of the ac count as long as I am on  XXXX   XXXX  status. During the application process they required me to verify my  XXXX   XXXX  date which was    XX/XX/XXXX  by having me send in my  XXXX .
 XX/XX/XXXX  BARCLAYCARD sent   me a letter contradicting what I original I signed up for and is now going to force me to pay {$990.00} starti ng on  XX/XX/XXXX  or I Cancel the account both options do not work.      -They state in the letter after review of  XXXX   records  I was already on  XXXX   XXXX  prior to application of the account and they wont extend the benefits anymore. This is outrageous since the military department  (   XXXX   )  verified my  XXXX   XXXX  date wa s in  XX/XX/XXXX . I t was the sole driver of my eligibility.     They also state in the letter they just extended certain benefits to my account at account opening based on their policy. This was not mentioned nor the case. I was told I will have 0 % and {$0.00} Annual fee for life of the account as long as I am on  XXXX   XXXX  and to contact them when my  XXXX   XXXX  status stops so they can discuss options.     I can not afford a {$990.00} annual fee and canceling my credit card will greatly affect my life since I rely on it heavily. Canceling the account will also crea te credit   score repercussions. This is either a classic Bait and Switch Tactic or Barclaycard is leaving me to deal with their mistake on the benefits th ey offered me up. I signed up only because of what they offered  XXXX   XXXX  members for the life of the  XXXX   XXXX  status. This was not a promotional offer that I expected to change after a year.     I have called numerous times wasting hours on the phone trying to resolve this. They have not offered anything to resolve the situation and are strong arming me into Canceling the account or Paying this new {$990.00} fee both options do not work. I am a loyal customer and would like to resolve this.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX XXXX XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ON MY CREDIT PROFILE AND CONSUMERS REPORT AFNI , INC . 
Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$78.00} Balance updated XXXX XXXX, XXXX  Original balance {$78.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$78.00} past due as of XXXX XXXX. 
Status updated XX/XX/2023 Contact info Name AFNI , INC . 
Address po box XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT