23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I obtained a student loan in XX/XX/XXXX as a teenager on my own in order to go to art school. I completed and graduated from art school in XX/XX/XXXX and was successful in my field early on, but the technology changed quickly and my skills were soon outdated.

I originally borrowed approximately {$20000.00} for a two year program, but not long after graduation, I was no longer employed in the field and my school did not honor its promise that they would continue to help with employment after graduation. 

I was employed, but struggled to continue to pay my student loans and my XX/XX/XXXX, I had defaulted and lost everything. I moved back home and was able to get back on track paying my loans and decided to go back to school at University XXXX XXXX XXXX. None of the credits I had earned at XXXX XXXX XXXX   XXXX were transferable to XXXX, so I had to start completely over on my XXXX degree, even re-taking the prerequisites. While I was a student at XXXX, my loans were on deferment, gathering interest for 6 years while I studied for my XXXX degree. I did not use student loans for my XXXX degree at XXXX. 

I graduated from XXXX in XX/XX/XXXX and had a baby in XX/XX/XXXX. Needless to say, that making my student loan payments was the least of my worries. I defaulted on the loans with Sallie Mae and was able to get back on track with my payments after my divorce in XX/XX/XXXX. But by that time, my loan balance had grown from my original {$20000.00} to almost {$80000.00}! 

I am paying my student loan now under the income based repayment plan, and I am a single parent, so it is based only on my income. But, I have not managed to make a dent in the loan after all these years, and I will be paying for this mistake until I am at least XXXX years old. I can not buy a home because Sallie Mae is still reporting on my credit report, even though they no longer service the loan. 

I requested my original loan documents from Navient from when I first signed back in XX/XX/XXXX, but Navient could not locate them. I have tried before to settle this matter and reduce the debt so that I could eventually pay it off, but my requests fell on deaf ears. I have been wronged and not given ample resources to pay this off. It seems incredibly unfair to try and repay over {$60000.00} in interest charges. I know that I made some mistakes in my youth, and I am willing to pay what I originally signed up for, but I am sick of being punished!
Product: Credit reporting or other personal consumer reports

Went to apply for XXXX  XXXX was denied when I pulled my credit report to find out what was going on and it contained false personal information reported the Id theft and put in disputes for all the wrong information reported but it's still on my report to this day
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed some billing mistakes. The late payments shown don't reflect my regular payment history. Please fix these and update my account.
Product: Debt collection

company MIDLAND CREDIT MANAGEMENT LLC has been harassing me for the past 2 years with phone calls and letters in the mail about 2 different accounts said owed. and now they are suing me without properly serving me as a scare tactic. I've asked for full proof of validation of the amount owed. asking for account numbers dates and names and addresses and reason for the money owed and they have failed to provide that to me. 

amounts claimed owed are {$5600.00} and {$1000.00}
Product: Bank account or service

Two different times, XXXX different Capital One Bank 360 customer service representatives misled and misinformed me about applying for a Capital One Bank 360 checking account overdraft line of credit. The first took place on XXXX XXXX, 2016, and the second took place, a day later on XXXX XXXX, 2016. I specifically asked both Capital One Bank 360 customer service representatives, on two different occasions, if me having a security freeze on my XXXX credit file would affect/stop Capital One Bank, in any way or form, from receiving my credit score and both times, both different Capital One 360 customer service representatives confirmed with and assured me that the security freeze would n't affect/stop Capital One Bank from receiving my credit score from Equifax. Well now I have XXXX inquiries from Capital One Bank on my XXXX credit file and both of those Capital One Bank inquiries are now unfairly lowering my credit score. Capital One Bank never received my credit score from Equifax because of my security freeze. Capital One Bank then also totally denied me a XXXX checking account overdraft line of credit and is now also refusing to remove both inquiries ( XXXX XXXX, XXXX XXXX, 2016 ) from my XXXX credit file but this time Capital One Bank 's 360 customer service representative are recommending that I contact XXXX directly so that I can have XXXX lift my security freeze temporarily so that I then once again reapply for another Capital One Bank 360 checking account overdraft line of credit but before I do that I need the XXXX previous inquiries totally removed from my XXXX credit file because I refuse to add yet another Capital One Bank related inquiry on my XXXX credit file so that my credit score is lowered even more and especially when the XXXX Capital One Bank related inquiries that are already on my XXXX credit file, are there because of me being totally misled and misinformed by Capital One Bank 's 360 customer service department and/or representatives!!!! I do want and need an overdraft line of credit on my XXXX checking account. Also in both of the denial emails I received from XXXX was there ever a mention about my XXXX security freeze causing XXXX any type or form of problems or delays, whenever XXXX requested my credit file or score from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint sent to you requesting for your assistance to reach out to the Credit Agencies in connection to my previous written letters which I have sent through certified mail about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX. I have not heard any feedback or response from any of the credit agencies with regards to my request of removing this fraudulent account from by credit report. The said issue with this account has been addressed multiple times but no one have ever responded. I have been doing my research in connection to this and I found out that the Fair Debt Collection Practices Act and Regulation F requires that all credit agency should notify the consumer in specific forms of communication prior to reporting. Also, the Fair Credit Reporting Act requires that the credit agencies should provide a 100 % accuracy in all of the information. Considering these two laws, the credit agencies failed to observe both requirements.
Product: Checking or savings account

I received a active debit card in the mail from M & T Bank that I never applied for. I called the fraud help line and spoke to XXXX who acknowledged the fraudulent account was opened on XX/XX/year>. He then subsequently closed account at my request
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial XX/XX/XXXX Inquiry - I wrote this company advising them I never applied for credit and never received a response back XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry- I wrote this company advising them I never applied for credit and never received a response XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company advising that I never applied for credit and never heard anything back.
XXXX XXXX XXXX XXXX  XX/XX/XXXX- inquiry, XXXX advised me they would send a letter to the credit bureau to remove and has not been completed.
XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company on XX/XX/XXXX advising I have never applied for credit and never received any response.
XXXX XXXX XXXX XXXX XX/XX/XXXX- I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment on my Capital One Card. I received comfimation that the payment was posted. I made the payment online and verified my correct account information. today Sunday XX/XX/XXXX and I received an email saying I am now 2 months behind and go to my account. Last time this happened Capital One had tried to process with the incorrect account number ( their error ) I have confirmed today with Agent XXXX ID XXXX at Va call centre that I processed the payment on XX/XX/XXXX with the correct information and I have confirmed sufficient funds are in that account. 
XXXX is saying they dont see the message that I am getting avboiut an email saying overdue payment. ( this was what happened previously at first they ere not seeing the error or reject message ) This is very frustrating it will negatively impact my credit profile erroneously and I have to waste my vaulable time chasing this up.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because inaccurate information is being reported on my credit file, including an incorrect bankruptcy record and accounts that are currently in litigation. These errors have negatively impacted my financial standing and are a direct violation of the Fair Credit Reporting Act ( FCRA ).

Description of the Issue : On XXXX XXXX, 2025, I identified an incorrect bankruptcy record appearing on my credit report.

The bankruptcy information is inaccurate, and under federal law, courts do not directly report bankruptcies to credit bureaus.

Instead, third-party sources gather this data, leading to reporting errors and misinformation.

This inaccurate bankruptcy has remained on my credit file for years and continues to cause financial harm.

Additionally, several accounts currently under litigation are being reported incorrectly, despite the fact that legal disputes are still pending.

Actions Taken : On XX/XX/year>2025, I submitted formal disputes to XXXX, XXXX, TransUnion, XXXX, and XXXX XXXX, requesting the removal of this inaccurate information.

I cited FCRA 15 U.S.C. 1681b and 1681e ( b ), which require that all credit report data be accurate, verifiable, and fairly reported.

I demanded the immediate deletion of the bankruptcy record because it was not reported directly by the courts and instead originated from an unreliable third-party source.

I also requested the removal of all accounts currently in litigation, as reporting them while legal proceedings are ongoing is misleading and unfairly damages my credit profile.
Product: Credit reporting 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.
Product: Credit reporting or other personal consumer reports

recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT 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  I was never been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced acount and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

On XX/XX/2023, I applied with StudentAid.gov for their Income Based Repayment program and was automatically enrolled in their SAVE program. 

I also applied with their Public Service Loan Forgiveness Program, to which my school is eligible. 

In submitting my paystubs, my retired husband 's w-2, and given access to our tax return documents, the site stated in the screenshots taken that my repayment was {$0.00} until XX/XX/2048. 

Navient asked for the SAME documents about 2 weeks later to which I submitted. Then, in a document dated XXXX, they're stating they need my RETIRED husband 's most recent W2. He is RETIRED, he only gets that document ONCE A YEAR for filing our taxes. Here 's the kicker, if they can't get a recent w2, they need a letter dated and signed from me self-certifying that is what he makes. I can't. If they can't accept official government documents what good is letter from me? If StudentAid.gov doesn't need me to self certify a letter, Navient doesn't get one from me. 

I am so LIVID with Navient, all they do is give me stupid delays and meanwhile, I am getting charged late fees on my account. This is not the first run around they've given me but what more document does this company need when the organization that says I'm qualified for debt forgiveness and a {$0.00} payment is stating such.
Product: Mortgage

On XXXX XXXX at XXXX I made a cash payment for my mortgage account in the XXXX, California Branch office personally. 
On XXXX XXXX I received a letter from US Bank that my check has insufficient funds. 
they charged me {$15.00} returned item fee for my cash payment. 
I called them put on hold for hours than I went back to the branch and the manager try to call for other 2 hours with no results. 
It is impossible to solve this problem with phone call or with personal presence. I need help!!!!
Product: Credit card or prepaid card

Every month, I pay off my balance in full, but I forgot to make a payment this month. As a result, I was charged a {$29.00} Past Due fee by XXXX on XX/XX/2021 and then assessed {$1.00} in interest on XX/XX/2021. However, XXXX 's ONLY communication with me alerting me that I missed a payment came on XX/XX/2021. Immediately upon discovering my XXXX account was past due on XX/XX/2021, I immediately called XXXX to address the issue. They offered to waive the {$29.00} past due fee, but they declined to waive the 16.99 % penalty interest that was incurred from this late payment and upon payment in full of my balance, XXXX said they would keep the penalty 16.99 % APR indefinitely ( as opposed to the 11.99 % that was on my account prior ). 

I believe it is an UDAAP violation to wait 9 days ( XXXX ) after charging me a late fee until notifying me that I missed a payment. The fact that they let an extra 9 days of interest accrue before alerting me of the missed payment and then refused to waive the interest is particularly galling.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a {$600.00} deposit in my checking account that I didn't sign any loan agreements for. I emailed the company and told them I will return the {$600.00} by check but I don't want any withdrawals made from my checking account because I am afraid they will just keep taking payments even if I return the money. I will wait until after the date they were going to take a payment because I am afraid I will lose the payment plus the {$600.00}.
Product: Credit card or prepaid card

I was informed via Email that my card would be put on a security freeze while they verified my identity. It had been over 2 weeks since I went through the required steps that Discover asked and I'm still unable to use my card. There was no indication this would be done otherwise I would have opened another credit card to use. This is a bad practice and as I said there was no indication from Discover that this would be done.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX Number.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XXXX XXXX XXXX AMOUNT {$21000.00} ACCCOUNT # XXXX XXXX XXXX AMOUNT {$2900.00} ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX. 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. 
XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( a ) of the FCRA requires XXXX CRA to XXXX a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days. I haven't received a response and verification 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible. I am enclosing copies of the XXXX complaints I used a template that I found on one of the CFPB sites I hope this will suffice in getting you the CFPB to act on my behalf.
Product: Student loan

Worthless customer service. Wronfull reporting of payment history, overcharges on intrrest, when i request indormation they never send it. Plase help me with this nightmares im sure they have recording of my endless calls
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}