23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Debt collection

XXXX, a credit consolidation company has decided to go out of business and transfer debt to System & Service Technologies Inc. 

I registered for their online portal, set my custom password. I was unable to log in, with the web portal stating I need to reset my password. I successfully reset through the online portal, to then fail logging in with the exact password I just reset. 

I called in to SST to have them manually reset my password, which I then tried to use to login, which to no surprise FAILED AGAIN. 

I CALLED BACK TO SST AND THE AGENT HANG UP ON ME.

I have continued to receive email and text communications from the company, urging to pay my loan balance, however, I am unable to given the company CANT RESET MY PASSWORD.

The phone system the company uses, does not verify personal information like the automated IVR says, it transfers you to a human who then tries collecting your social security number and address. 

EVEN THIUGH THE COMPANY GIVE YOU AN ACCOUNT NUMBER, THEY DO NOT VERIFY YOUR ACCOUNT.

The online presence associated with SST is absolutely dirt poor, every online forum I found had many stories of the same occurrences happening to other people, if not worse.

Their website recaptcha does not work either, no SSH certificate on their website, overall I HAVE NEVER HAD CONTACT FROM A BUSINESS THAT SEEMS AS FRAUDULENT AS SST.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Account Dear CFPB, I am writing to follow up on my prior dispute regarding inaccuracies reported on my credit report. Despite my initial dispute, no changes have been made to the reporting of this account, and the erroneous late payments remain uncorrected.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. I am requesting a detailed description of the investigation process conducted for the account in question. 
Account Details : Creditor : XXXX XXXX Account Number : XXXX High Balance : {$430.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$500.00} Payment History : XXXX XXXX A XXXX late payment inaccurately reported for XXXX. 
XXXX : A XXXX late payment inaccurately reported for XXXX. 
Equifax : A XXXX late payment inaccurately reported for XXXX. 
Reason for Dispute The reported late payments are inaccurate, as I have made all payments on time, in accordance with my agreement. My attached payment records clearly demonstrate that no late payments occurred for this account. Despite my previous dispute, the erroneous reporting has not been rectified, violating the accuracy requirements of the FCRA under 15 USC 1681e ( b ).

Request for Investigation and Supporting Information Description of Investigation : Please provide a detailed description of the procedures followed to investigate my dispute, as required under 15 USC 1681i ( a ) ( 7 ).

Verification Documentation : Include all documentation or records used to verify the alleged late payments.

Proof of Mailing Compliance : Under 15 USC 1666 ( b ), provide reasonable proof that each periodic statement was sent to me no later than 21 days before the payment due date.

Reference to PAANL ( Paid As Agreed Never Late ) The account history should reflect a status of Paid As Agreed Never Late based on my timely payments. In the absence of valid and verifiable proof of late payments, I demand that the credit reporting agencies promptly update the account status to reflect accurate reporting.

Legal Compliance As per the FCRA, you are required to conduct a fair and reasonable investigation and respond to my dispute within 30 days of receiving this letter. Failure to do so will constitute a direct violation of the FCRA, and I will pursue further action.

Enclosures Copy of credit report with highlighted inaccuracies. 
Payment records proving timely payments. 
Thank you for your prompt attention to this matter. I expect full compliance with the FCRA, Consumer Protection Act, and Truth in Lending Act. I look forward to receiving your response and resolution within the required timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Several phone numbers were robocallers.They did not give name or whatever. Just a computer voice to call the number but my caller id picked this up. I did the XXXX and found nothing. Scammers is what I call it but this is what my caller id found : Spam? XXXX and this Spam? XXXX they come back to Alliance Recovery. But also found this : XXXX Landline Number Network Operator : NA Location : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX Location : XXXX XXXX, RI I don't know if this is real or a scam. 800 notes also had a lot to say about these numbers also. Thanks
Product: Mortgage

I purchased my home in XX/XX/year> in XXXX using a XXXX loan - serviced by XXXX XXXX and XXXX XXXX XXXX  ( which is actually located in XXXX ). I was also apart of the downpayment assistance program in XXXX. On my deed " riders '' and " ballon causes '' were added and not explained to me. I later learned these " riders '' two seperate XXXX XXXX agreements governing the same property. After being notified of non-payment to the two XXXX XXXX I was sent letters from the Law offices of XXXX XXXX, threatening me to either pay the XXXX fees, interest, and attorney fees of the XXXX or they would file a lien aganist my property. I subsequently entered into a payment agreement with the XXXX XXXX who claimed that they were taking these payments on behalf of my XXXX. I later used the maryland land records database and learned that this law office still filed a lien on my property after payment and I was never notified. This has caused me extreme financial difficulty, XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally b/c I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete there illegal accounts from my credit report.
Product: Checking or savings account

Hi. I 'm lodging a formal complaint against m & t bank. I made XXXX mobile deposits. XXXX for {$480.00}, and another for {$490.00}. The next day M & t puts a hold on my deposit, no problem. The problem is I had {$120.00} available which they held also. That money was for my son daycare now I 'm losing money at work because I have to stay at home and watch my son. I am requesting m & t close my account immediately and mail me my funds! I do not want to do business with a bank that will jeopardize my family because they XXXX XXXX  put a hold on my entire account instead of just holding the deposited funds.
Product: Vehicle loan or lease

On or about XX/XX/XXXX. I paid off my XXXX XXXX XXXX XXXX. I overpaid by one monthly payment and a couple days of interest. Rather than send me a check for this overpayment Chrysler Capital refunded this overpayment via 2 debit cards. One in the amount of {$370.00} and a 2nd in the amount of {$24.00}. I put these cards in my wallet and forgot about them and they had expired XX/XX/XXXX. 
On or about XX/XX/XXXX, I called Chrysler Capital to request that they replace these cards and they agreed. I received the new cards and they are now debit cards in the amount of {$120.00} and {$24.00}. With the explanation on the reduction being it is a service charge. 

I do not think that Chrysler Capital has the right to retain my overpayment for a service charge. What service did they provide me? I overpaid my car loan, never asked for a debit card, would have preferred a check and then I simply asked for a new card that was not expired.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I signed up for a Macy 's credit card. I made a purchase in the store without my card for approx {$67.00}. I never received this card. I made the full payment of {$67.00}. I received a bill for late fees. I called and emailed them about this. I am now getting a vill of almost {$300.00} for late fees on an item I paid for in full. 
I still have not gotten a credit card. 
My daughter is having the same problem with Macy 's.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/ 2025 XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Student Loan Due to FERPA Violation and Unauthorized Third-Party Access Dear XXXX Loan Servicing, I am writing to formally dispute the validity of my student loan ( s ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. FERPA strictly prohibits the disclosure of student educational records without written consent, yet I have reason to believe that my personal and financial records were unlawfully accessed by unauthorized third parties, including XXXX XXXX and XX/XX/XXXX) -related entities. 

Upon investigation, I have found that : 1. Unauthorized Third-Party Access : My personal and financial student records appear to have been improperly accessed, shared, or utilized by individuals and/or organizations with whom I did not consent to share my information. This includes entities affiliated with XXXX XXXX andXX/XX/XXXX 


2. Breach of Privacy Rights : I was never informed of, nor did I consent to, the release of my educational data to these third parties. This is a direct violation of FERPA regulations.

3. Compromised Loan Agreement : If my student loan was issued or influenced by parties who illegally obtained my educational data, then its legitimacy and enforceability are in serious question.

Requested Actions : In light of this FERPA violation and unauthorized third-party access, I demand the following immediate actions : A complete audit and review of my student loan records, including how my data was obtained and whether it was improperly shared.

A written response within 30 days acknowledging my dispute and detailing the steps you will take to remedy this violation.

If my records were accessed in violation of FERPA, I demand the immediate cancellation and discharge of my student loan ( s ) as they were obtained under legally questionable circumstances.

If this matter is not resolved promptly, I am prepared to escalate my complaint to the U.S. Department of Educations Family Policy Compliance Office ( FPCO ), file a formal legal complaint, and pursue further action against the involved parties.

I expect a prompt and fair resolution to this issue. Please provide a written response by XX/XX/ 2025. You may contact me at XXXX or XXXX if you require further details. 

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

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I never gave your company consent to use my consumer report to furnish unauthorized hard inquiries. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted
Product: Credit reporting or other personal consumer reports

ExpeRIAN has Failed to fulfill his Legal OBLigation under The FaiR Credit Reporting Act ( FCRA ) to conduct a Reasonable Reinvestigation of disputed information on my credit report Leaving inaccurate or unverifiable account unresolved The consumer Financial Protection Bureau ( CFPB ) has Recently Filed a lawsuit against Experian alleging Systemic Issues such as Failing to Forward Consumer- Provided Evidence to Furnishers accepting unreliable Responses. and falling to adequately notify consumers of dispute outcomes These Failures align with my Experience where Experian has neither corrected nor remove disputed items despite the evidence, I Provided causing ongoing harm to my credit Standing lam Requesting Immediate corrective action to Remove or Amend the disputed account as Experian 's Inaction violation Federal Law and my Rights as.consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to 3 Three Credit Bureaus to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The account is still reporting to my credit file held by them. This account is opened fraudulently. I informed them of the issue & provided them with the required documents to correct the account via FCRA. They have failed to verified the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account be corrected by the bureaus from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint against CAVALRY PORTFOLIO This company may be improperly collecting on a debt/ REPORTING an authorized account. I am thus seeking further proof of the debt allegedly owed. 
To help you identify me, my name is XXXX XXXX. My date of birth is Date of Birth : XX/XX/XXXX. My Social Security Number ends in SS # : XXXX Please forward this complaint to the agency mentioned above. You may reply to this complaint or written mail
Product: Debt collection

I checked my credit report on XX/XX/XXXX, 2017 and discovered an error by a collection company named Amsher Collections. I contacted the company and was informed XXXX XXXX placed the account with this collection company and the account was then transferred to another collection company named XXXX XXXX XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX , XXXX XXXX XXXX , XXXX and spoke with XXXX XXXX, who was very rude and verbally abusive to me when I informed him that I never initiated an account with XXXX XXXX, nor have they ever provided cable services to me. Apparently this is a case of identity theft, but this employee was very unprofessional and refused to assist me in resolving this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : 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 XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX  XXXX on XXXXwith a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX 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: Credit reporting or other personal consumer reports

XX/XX/year>2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA There should only be XXXX address in my report, which is : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only XXXX correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX XXXX XXXX XXXX XXXX Therefore , I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Debt collection

Portfolio Recovery Associates calls me 4-5 times daily, every single time on a different number, so blocking each number is pointless. It's incredibly distracting as I'm on the phone a lot for work and expecting real calls, so it needs to stop. I've already asked them to stop and they simply refuse to handle this by mail as requested.
Product: Credit card

I received a pre-selected Chase Sapphire Preferred credit card offer in the mail. I accepted the offer through my cell phone on XX/XX/year> and was approved for the credit card and its benefits. I used it one time with success via XXXX XXXX XX/XX/year>. The next 3 times I attempted to use the credit on XX/XX/year>, with my XXXX XXXX it was rejected. I contacted their customer service same day and I was passed around to 3-4 different representatives and no one was able to tell me why my credit card was declined and one of their female security representatives was very rude. I spent over 2 hours talking to customer service and chase security team on my cell phone and they asked me many questions but could not provide any answer to why my card was declining. With such a bad experience I requested to cancel my credit card to the customer rep. and they did not allow me to do so either. They said I have no access to my own credit card. So I am unable to use my credit card, I am unable to take advantage of the introductory benefits and I am unable to cancel my credit card. I also spent 2 torturous hours with their customer service team with no resolution.
Product: Debt collection

My car was repossessed it was from usauto sales i tried to work it out with westlake but git attitude and my car gone. Now XXXX going to lose my job because i have no transportation
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XX/XX/XXXX