23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called Aidvantage about a CARES Act refund of payments on XX/XX/XXXX in the mount of {$27000.00} for payments made after XX/XX/XXXX. I have called back weekly for updates and get a different answer from customer service every time. First call, they said my refund request was approved on XX/XX/XXXX and would be processed in XXXX weeks. A few calls later ( XX/XX/XXXX ), I called and the representative said they just submitted the request for a refund and now to wait XXXX weeks from that date. I tried to email their customer service with more details and they claimed refunds are now taking XXXX weeks. I have seen no evidence that my refund request was actually submitted, as my student loan balances on both Aidvantage and through studentaid.gov have remained unchanged since first calling on XX/XX/XXXX. I'm at a loss for what to do, as I get different information seemingly every time I try to settle this with Aidvantage, and no one can even give me a straight answer as to when my refund request was submitted or how long it will take to process.
Product: Credit reporting or other personal consumer reports

accourding to my consumer rights and FCRA law 15 usc 1681 you are required by law to provide me a signed contract that this account belongs to me
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Bankruptcy Reporting in Error To Whom It May Concern, I am writing to formally dispute a bankruptcy account that is inaccurately reporting on my credit file. This account does not belong to me and appears to be associated with another individual named XXXX XXXX. I have never filed for bankruptcy in my life, and this incorrect information is damaging to my credit profile. 

On XX/XX/2025, I visited the United States Bankruptcy XXXX XXXX XXXX XXXX California, located in XXXX XXXX, CA. I spoke with a clerk named XXXX, who verified that my name does not appear in their system as having ever filed for bankruptcy. She confirmed that this information is being reported on my credit report in error. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are obligated to maintain accurate and verifiable information on consumer credit reports. Reporting a bankruptcy that does not belong to me is a direct violation of the FCRA.

I am requesting the following actions : Immediate removal of the erroneous bankruptcy information from my credit file. 

A detailed explanation of your investigation process and the source of the inaccurate information. 

Written confirmation that the bankruptcy has been permanently removed from my credit report. 

Failure to address this error and comply with federal law could result in further action, as I am entitled to accurate reporting and protection from harm caused by false information. Please resolve this matter within the legally required 30 days from the date of receipt of this dispute. 

Thank you for your prompt attention to this serious issue. Please provide me with written confirmation once this matter is resolved. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was in XXXX for almost 3 years and someone fraud my credit theres several inquiries on my credit report that u never request or did. Thank you for your help
Product: Student loan

I have IDR through Navient and have for 10 years. Why income driven repayment plan is way beyond what I can afford. However I can not contact Navient. Their only source of contact is XXXX XXXX XXXX. It rings once then automated voice says we can not answer this number for reasons beyond our control. Are they even a company anymore? The internet says XXXX  bought them but XXXX has no record of me. What am I supposed to do??
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a letter addressed to the Credit Bureaus on XX/XX/XXXX with complete attachments of my personal information as well as the IDTHEFT REPORT I receivied from the FTC for reporting the theft of my identity. I have read that all these attachents are required for the removal of the fraudulent items being reported on my Credit File. I Under the FCRA, the Credit reporting agencies are requirede to remove any account and information that resulted due to Identity theft. But despite all my efforts and undertanding of the Federal law, the Credit Bureaus are still reporting these items without proper verification. I am submitting this complaint to protect my rights under the FCRA which is clearly being violated by the Credit Bureaus. If the Credit Bureaus continue to report the disputed items without proper verification, I will be forced to take legal action and sue the Credit Bureaus for the damages I acquired from the Credit Bureaus indifference. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered multiple inaccuracies that are negatively impacting my credit profile. These errors include unauthorized credit inquiries, an incorrect derogatory account, and inaccurate personal information. These inaccuracies are misleading and must be corrected immediately to ensure my credit report accurately reflects my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my checking account on XX/XX/XXXX and M & T bank is reporting to XXXX XXXX XXXX that my account was closed on XX/XX/XXXX My phone number on the report are incorrect as well.
Product: Debt collection

I filed a dispute with XXXX on XX/XX/XXXX, I had already sent my documents and a cover letter to XXXX on XX/XX/XXXX, and I have to send also a copy of my ID. 

The Company that the Dispute is against, Jefferson Capital System is an collection for XXXX stating that I owe them {$1200.00}. 
I never owned an XXXX phone, I am a value customer with XXXX XXXX since XX/XX/XXXX. And I am still a value customer. 

My old/previous was : XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX. 
Those other addresses are not mine nor lived at. 

I am requesting that those other addresses be removed from my credit report. 

My current address is : XXXX XXXX XXXX XXXX, XXXX, VA XXXX.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report Trans union company changes my address every month. However i never change my address from 2 years and there are many unknown credit card accounts that does not belongs to me are showing on my report .some of them they removed and there are 3 accounts that are still showing on my report and continuously damaging my credit history. I called the XXXX XXXX, XXXX  XXXX XXXX   about those accounts that are belongs to them but they did not do anything. I have attached the account information of the credit card accounts that are unknown for me
Product: Credit card

Bank of America has a section on its website where you can " check for customized offers. '' I did and based on the wording, the website made it seem as though the bank was pre-qualifying me for a credit card, and with this confidence I applied and was denied adding a hard inquiry into my credit report. The wording for the " check customized offers '' section makes it seem as if consumers searching for credit are pre-qualified for the credit cards listed because one is not able to see the credit cards until entering information such as name, social security number, date of birth etc. This is very misleading for consumers and costing them a hard inquiry which then affects their credit score! Bank of America must stop this misleading practice, essentially billing a " customized offer '' as a pre-qualification offer of sorts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are unauthorized hard inquiries in my ( 3 ) credit reports XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I contacted Chase to report money missing out of my account. I informed them that my card was missing, and a total of three ATM withdrawals had been made. These withdrawals amounted to {$2000.00}, with one being for {$1000.00} on XX/XX/XXXX, another for {$800.00} on XX/XX/XXXX, and the third for {$200.00} on XX/XX/XXXX. Initially, when I spoke to a Chase representative, they assured me not to worry and promised to take care of recovering the {$2000.00}. They mentioned providing me with provisional credit within 24 hours or 1 business day, but I never received any further communication from them and did not receive no provisional credit. When I reached out to inquire about the status, and about the provisional credit I was told to wait. I did wait, a week went by and I called them and to my surprise I was told that my claim had been denied due to the proximity of the geographical area. This came as a surprise to me. I trusted Chase to manage my money and now they are refusing to give me my money back. I have been a loyal customer of Chase for six years and have made several calls to address this issue. Chase requested that I send them the proof by fax to prove that I was not at the branch chase when this occurred. I asked them to provide me the time the transactions happened. I am willing to provide proof that I was at work during the time this happened. They mentioned it would take 24-48 hours for a response after I sent my documents. I expected them to call me back like they said they would and they didnt, I was told they would be in contact with me in 24-48 hours after sending documents. I sent the fax on XX/XX/XXXX, and reached out to them again on XX/XX/XXXX, I was told to wait until the end of the way day I did. On XX/XX/XXXX, I call them again and I am told they have not received my documents that I will have to sent them again. I sent them again and waited a few hours, I was told by a representative that it would take 2-3 business days for them to receive my fax. Even after I told him that I was told it only takes 24-48 hours for chase to get in contact with me after receiving my documents. Despite their promises to make it right, Chase continues to disappoint me. They denied my claim based on the geographical area, and said I authorized. I did not. At this point, chase keeps brushing me off. I am writing to formally lodge a complaint regarding an unauthorized transaction on my bank account. On XX/XX/XXXX and XX/XX/XXXX a sum of {$2000.00} was taken from my account without my knowledge or consent. I have diligently reviewed my records, and I can confirm that this transaction was not authorized by me. I understand that such incidents require investigation, and I was more than willing to provide any additional information or documentation necessary to expedite the process. I have already contacted the customer service department, but the matter remains unresolved. Therefore, I kindly request that this issue be given the utmost attention and urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Equifax and XXXX through certified mail. Tracking # XXXX to XXXX. Tracking # XXXX to Equifax. It was received XX/XX/XXXX and XXXX. In the letter I stated I had a filed an FTC Identity Theft report for a fraudulent item on my credit report. A XXXX XXXX Account was fraudulently placed on my report. In the certified mail I included a copy of a completed FTC Identity Theft Report, letter stating the issue, Copy of Social Security number and Copy of Driver 's license to verify my identity. I called to ensure delivery of items. According to sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. The account should have been blocked and deleted. Equifax and XXXX has failed to comply with the law.
Product: Money transfer, virtual currency, or money service

Back in XXXX I use XXXX as a form of payment for my business. When I had a customer send me money back in XX/XX/XXXX they sent the money to the wrong person and I never received my payment for the service I provided for them due to them not getting a refund. Another time I use XXXX XX/XX/XXXX I sent money to a vendor to receive supplies for my cleaning business and I sent the money to the wrong person because I typed XXXX wrong number and I could not receive a refund and I spoke with customer service at the bank and XXXX. This happened multiple times where I send money and the money doesnt process right away
Product: Credit reporting or other personal consumer reports

Equifax is reporting duplicate accounts with the same account number from the same creditor both have inaccurate information that has been altered as i have proof of before and after the alterations. The altering in information has hurt my credit score and eligibility to pursue credit. And since its a duplicate account it has hurt me two times over. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Complaint against TransUnion : I am experiencing ongoing issues with TransUnion 's website that prevent me from accessing my account and utilizing their free credit freeze services. Specifically : The website consistently fails to recognize my valid username and password. 
After resetting my password as prompted, the login page remains non-functional. 
The online chat service only provides automated responses and does not connect me to a human agent for assistance. 
I have had to fix my username and password multiple times in previous years, indicating a recurring issue. 
These technical problems are preventing me from thawing my credit for free, a service TransUnion is required to provide. 
I have followed all troubleshooting steps provided by TransUnion, but the issues persist. The difficulty in accessing the free credit freeze services, contrasted with the availability of paid services, appears to be an unethical practice. 

These ongoing website malfunctions are causing significant inconvenience and potentially harming my ability to manage my credit effectively. I believe this may violate consumer protection laws that require credit bureaus to provide free and accessible credit freeze services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
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 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: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX You are in Violation of The FCRA You must supply to me the method of your investigation and VALIDATION not verify everything. 

You must remove the Fraud alter from my credit profile!!! 

You must remove the inquiry for XXXX XXXX from my credit report!!!!! 

You must remove the inquiry for XXXX XXXX XXXX from my credit report!!!! 

I request the method of verification, under the FCRA section 611 ( a ) ( 7 ). 


Escalate his call to a supervisor do not use the XXXX. System You must update my credit score!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX 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 an account without my written instructions
Product: Debt collection

I opened a XXXX/XXXX account with XXXX XXXX XXXX for my son. He lost his job and canceled service before contract ended. I made arrangements with XXXX XXXX XXXX/XXXX to pay out the contract and made monthly payments, paying the final payment on XX/XX/XXXX. In XX/XX/XXXX a report was made to all 3 credit reporting agencies of a collection due against me opened XX/XX/XXXX by Franklin Collection Services.  This has damaged my credit and dropped my credit score up to 80 points. I disputed this with all 3 credit reporting agencies and contacted both Franklin Collection Services and XXXX XXXX XXXX. XXXX XXXX XXXX has told me multiple times over the phone that all my accounts with them have been paid and nothing is owed for this bill. I also have a statement from XXXX showing a XXXX balance on this bill. I also told Franklin Collection Services that this bill has been paid and emailed them a copy of the statement. This bill was paid in XX/XX/XXXX before XXXX XXXX XXXX ever reported this as a collection but they refuse to remove it from my credit report and have continued to send requests for payment. They state that XXXX XXXX XXXX still shows this as due, even though XXXX XXXX XXXX has verified multiple times to me that there is no balance owed. So either XXXX XXXX XXXX or XXXX XXXX XXXX is giving false information and it continues to damage my credit. I have been trying for 4 months to get this resolved.
Product: Debt collection

Yesterday evening I received a call from my employer notifying me that there was a wage garnishment order from a law firm by the name of XXXX XXXX XXXX. The order is requesting more than 25 % of my check, as a single mother during COVID this seems excessively XXXX and perplexing. Perplexing because it claims the debt is from an agency by the name of Cavalry. I have never heard of Cavalry or XXXX XXXX XXXX in my life, have no idea who they are or why they claim that I owe them {$7000.00}. They have also claimed that I was served with this order, however, I have not lived in the address they have on file for over two years now. I contacted the law group this morning and they claimed that because there was a settlement on the suit and an order made to garnish wages that there was no recourse or opportunity for me to settle the matter. However, again, I have no details for what this debt is for. Need urgent help on the matter.
Product: Debt collection

I have chargeoffs that are inaccurate amd a direct violation of my rights under 604 15 USC 1681 B XXXX. XXXX XXXX XXXX. Santander Finance .XXXX. XXXX XXXX XXXX XXXX ( XXXX accounts )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX