23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There was a fraud collection account from Virtuoso sourcing group that hurts my credit score. It claims that I have a missing payment of {$60.00} since a year ago. This was out of nowhere. I called them in early XX/XX/XXXX to remove the fraud account and issue a proof that this was not my account. They checked my ssn and name. They said there was no record me owing them money. However, when I requested a proof : there is no collection with my ssn, they refused and claimed no action they could do to help me. They asked me to " settle '' or more of " blackmail '' with a high payment price to clear it off my account. I refused because I never owe them anything at first place. I insisted and wanted to escalate the case to legal level. They claimed the cell signal was off, and hang up. It was the worst company and customer service I have ever dealt with. Someone needs to take some actions to stand for the justice.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft i submitted all the necessary documents regarding the account XXXX XXXX on my consumer report. This account was once deleted due to identity theft but now it has reappeared.

15 USC 1681 c-2 Block of Information Resulting from Identity Theft states, ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I ask that you govern this issue and demand this company to block and delete this account from my consumer report as the law states.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, son XXXX, dob XXXX cfpb complaint has been file to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you Experian reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate information, consists of a personal loan from XXXX XXXX XXXX credit card opened on XX/XX/year> and account number ( XXXX  ) XXXX I do not recognize the aforementioned account or collection account. this account that is reported by Experian was not made, initiated or opened by me. the aforementioned account is a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint #, XXXX XXXXXXXX of from the FTC that this account is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

I am disputing the XXXX, XXXX XXXX XXXX XXXX collection referencXXXX XXXX XXXX XXXX vs. XXXX XXXX. 

Attached are the following documents to demonstrate that this account is well passed the Statues of Limitations. My last rent payment to XXXX XXXX XXXX, the landlord to XXXX XXXX XXXX, XXXX XXXX, CA XXXX, was XX/XX/XXXX. 

1. Addendum 1 : Request To Set Case For Trial dated XX/XX/XXXX. Please refer to the highlighted section on page 2 of 2. 

2. Addendum 2 : NOTICE THAT YOU HAVE BEEN SUED dated XX/XX/XXXX. Please refer to the highlighted section on page 3.

3. Addendum 3 : After Court Judgment dated on XX/XX/XXXX. Please refer to the highlighted section on page 1 of 2. 

Clearly the evidence shows the collection efforts commenced in XXXX, shortly after the last/final payment was made to the Plaintiff XXXX XXXX XXXX XXXX XXXX which ultimately sent this account to collections. 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the four years Statutes of Limitations to collect such debt, and thus should be removed.
Product: Credit reporting or other personal consumer reports

Again tonight apartments reasons I known services and similar names that I did not authorize I have not ever use mortgage loans. Im not even at that stage of my life you miss information.
Product: Credit reporting or other personal consumer reports

They sent me a letter several weeks later, but again the number did not work. Their system is broken. It acts like it takes your number and recognizes unfreeze and refreeze dates, then asks Again to mail a letter for a new number.

Trying to unfreeze online, it doesn't recognize my login. when I try to sign in another way, it says it will send a verification, but one never comes through.
Product: Student loan

I have a Federal Supplemental Loan XXXX that was originally from XXXX XXXX but is now with Navient. For the last 2 years I have tried working with them on several issues and with each issue I am given information/instructions that I follow, only to be told later I need to follow different rules, etc. I have tried 2 times ( following their instructions ) to have the cosigner released, I have asked to have an income based plan and/or a rate reduction plan, etc., only to be told my loan is at a fixed payment amount that can not be changed. I have asked for a copy of the Master Promissory Note showing that payments can not be altered and have not received it. In addition, since my 2014 Bankruptcy my account has shown {$0.00} due - I have asked several times why this is so and when it will change only to be told sometimes it is being resolved, and other times they can not discuss it with me due to the bankruptcy proceeding ( discharge was in XXXX 2014 ). However, even though {$0.00} is due I finally had someone admit I would incur penalties, interest and fees if I did not make payments! 
In summary, Navient customer service tells me different information each time I call, does not supply the information/documents I request and refuses to work with me to lower my payments. Please help. Thank you -- XXXX XXXX.
Product: Credit reporting

We asked them to remove my sisters accounts off of my credit report because they were not mine. I am in jeopardy of losing my property and earnest money due to waiting almost more then a month for a response with no response back yet. I have continuously contacted them to get this resolved and they continuously just keep blowing me off and telling me to wait
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service, I am writing to submit a formal complaint in regards to the permanent limitation that has been placed on my PayPal account with the email address XXXX. I believe this decision was made in error, and I would like to appeal this decision. 

Firstly, I would like to clarify that I have not violated any PayPal policies. I have been a loyal and active user of PayPal for several years, and I have always followed the terms and conditions outlined by PayPal. Therefore, I am certain that this limitation was not warranted. 

Furthermore, I am requesting that PayPal re-investigate my case and review my account thoroughly. I am confident that upon a closer inspection of my account, it will become clear that there has been a mistake in the decision to permanently limit my account. 

Lastly, I am respectfully requesting that PayPal restore my account if possible. As an individual who relies heavily on PayPal for online transactions, it has been a great inconvenience to not have access to my account. Therefore, I would greatly appreciate it if my account can be reinstated, and I can continue using PayPal services without any further interruption. 

I would appreciate a timely response from PayPal in regards to my complaint. Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

A XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX WILL NOT STOP CALLING MY PLACE OF EMPLOYMENT ..I HAVE REPEATEDLY TOLD THEM NOT TO CALL MY EMPLOYMENT AND TO CALL MY CELL PHONE ONLY..THEY XXXX ME TO THE POINT I DO NOT EVEN ANSWER MY PHONE..AND BLOCK EVERY SINGLE NUMBER THAT IS UNKNOWN TO ME..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2025 I attempted to make an online purchase from XXXX for XXXX XXXXXXXX XXXX XXXX. When I entered my credit card information to make the purchase my card was declined. I checked to see if I had entered the information correctly. Once I confirmed that everything was correct and the card was still declined I closed out the web page. I never completed nor confirmed any purchase. It wasnt until later on that I saw that my credit card was charged XXXX. I immediately called my credit card company ( XXXX XXXX XXXX at XXXX XXXX ) and explained what happened. I also called the ticket company ( XXXX ) and questioned as to why they charged me when my card was declined. They told me all sales were final and that they would help me sell the tickets to a 3rd party ticket agent. I felt this sounded fishy and reported this to my credit card company. They told me I did the right thing. They told me to dispute the purchase in writing. I followed their instructions but my dispute was denied. The credit card company told me it was my fault. They told me they couldnt take my word for what happened because I had no proof. They told me I should have taken a screenshot of the card declined message ( which I did not do ). I feel like I was scammed.
Product: Debt collection

This complaint is from XXXX XXXX, a consumer/natural person. I am submitting this on my behalf and there is no third party involved. I notice that the company affirm is still reporting information on my report and continuously updating negatively causing harm to my credit profile. I also did not give written consent for them to furnish anything on my credit report. This is a violation under federal law pursuant to 15 USC 1681b ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit report that do not belong to me in accordance with The Fair Credit Reporting Act.
Product: Credit card

I have told the bank over and ove again : Purchases are STILL being made by someone other than myself. There is NO ONE else who is supposed to be on thie card except for me. I am the only one on this card and yet someone is still charing it, even today. I have complainted about this over and over again and Chase still FAILS to address. They need to FIX THIS NOW!!!!! 

They SHARD my information with Chase XXXX XXXX with someone who has Chase XXXX XXXX, BUT I DON't! How did that happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is Reporting on My Credit Report with all 3 Bureaus # 1. False Information. Such as partial Account Number I can not look this Account up to See who it Belongs to with just a Few Numbers. # 2 Balance that they state is Owed to Them. # 3. How did they Get My Person Information I did not authorize this I Do not know who XXXX XXXX  Is. I have never had A Account with this Company XXXX XXXX XXXX. Account Number. - XXXX. - {$650.00} balance -and listing XXXX $ asa High Balance stating Factoring Company Account. I Contacted XXXX XXXX XXXX  that they have listed on my Credit Report as a Collection and they stated they are not Collecting for them that they do not have the Debt nor any Debt with my Name. 
XXXX XXXX XXXX Has added A Statement stating FCRA Dispute on my account after they stated it was Verified by the Credit Bureau to be Legal and Verified but would not tell me How or whom it was That they Verified with or how they Verified. I asked for all paperwork Containing to this Debt and it wasnt provided by XXXX or Transunion or XXXX. Why would they post a Balance and a High Balance on My Credit Report before Verifying that with me. Then a Few numbers as a Account Number that I cant look up. That is not Right at All. 
# 1 There is No Account Number for me to Investigate for my Self. # 2. Balance and High Balance listed as {$1000.00}. States XXXX XXXX. Whom states they do not have any information on this Debt. My Credit is Very Important to me and they Have Violated my Rights under FCRA. If I can seek Judgment for Damages I Would like to do So. This has Been Mentally and Physically Exhausting to Research and Again Damaging to my Livelihood and Mental Status
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2016 A credit collection Agency by the name of XXXX XXXX XXXX placed a fraudulent account onto my credit report for the amount of {$1900.00} with XXXX XXXX, which is not mine. I 've disputed this account numerous times with XXXX and XXXX. I 've done my research on the company and I 'm not the only victim. This caused my credit score to drop dramatically. I 've contacted the company only to be placed on hold and never returned to.
Product: Credit card or prepaid card

Discover Card is reporting a 30 day late on my credit reports. I have asked for a good will removal of this late payment several times since it is adversely affecting my credit and it was only a bit later than the 30 days. I have consistently made my payments on time prior to and after this late payment. They refuse to remove it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report, which were established without my authorization following a recent data breach. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am exercising my right to have these items removed from my credit file. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

incorrect information on my credit report XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I asked Navient to provide MPN for my student loans that they service. After sending several certified letters I filed a complaint with CFPB. Navient has responded to the complaint through CFPB. However, the information they provide to the CFPB complaint vs the loan details of my account with them are inconsistent. In the complaint they state that they service 16 federal stafford loans disbursed to the University XXXX XXXX and one Federal consolidation loan. None of the loans from my Navient account have the University XXXX XXXX  as the school money was disbursed to ( see attached ). My account indicates that loans were disbursed to The University XXXX XXXX  Navient also has 2 consolidation loans on the account, but in the response to CFPB say they have one ( see attached ). However, Navient has incorrect information and details about my loans.
Product: Debt collection

My mother, my youngest sister and I have all received harassing and repeated phone calls regarding a debt my other sister owes. None of us have cosigner anything and she is an adult who doesn't live with us. In addition, we have never provided our contact information to this company and are all being called on our personal cellphones.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I disputed with Experian on XX/XX/XXXX. To this date, I have not received any response from Experian regarding the following account : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} The reported information suggests that this account was late, which is entirely inaccurate. I can provide substantial evidence to demonstrate that this account was consistently paid on time. Therefore, I kindly request Experian to correct this erroneous information on my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a claim to Sun Loan regarding an account that I do not agree with the amount and the dates reported, and from my last complaint Sun Loan stated that they were not reporting the XX/XX/2015 loan to any other credit bureau besides XXXX. This month when I refreshed my credit report, it shows that this account is reporting to XXXX and is hurting my score. I would like for the company to honor their word and remove this account from reporting immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. XXXX, XXXX and Transunion have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

Bankruptcy Dismissed - XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting Under the Doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I May Presume THAT no Proof of the ALLEGED DEBT, Nor Therefore ANY SUCH DEBT, In FACT EXISTS
Product: Credit reporting, credit repair services, or other personal consumer reports

If, upon completion of your investigation, you find that any of the disputed items are inaccurate, incomplete, or unverifiable, I request their immediate removal from my credit report. Furthermore, I ask that you provide me with an updated and corrected copy of my credit report once the necessary revisions have been made. 

I have enclosed copies of the relevant documents and supporting evidence that substantiate my claims. Should you require any additional information or supporting materials, please inform me promptly. I appreciate your attention to this matter and anticipate your prompt action to rectify the inaccuracies on my credit report. I trust that, in doing so, you will ensure fairness, accuracy, and compliance with the applicable laws governing credit reporting. 

Thank you for your cooperation and prompt response. 

XXXX XXXX
Product: Vehicle loan or lease

Equifax has not updated my auto account in 4 months with XXXX XXXX bank as current and paid on time XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Experian for reporting inaccurate information on the listed account below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EXPERIAN to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the item. 

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

This morning, I found an unauthorized inquiry on my credit report that shouldnt be there. Refreshing my browser didnt help, proving its not a glitch. Im incredibly frustrated and need your team to thoroughly review my documents right away to prevent further worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00}