23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was a XXXX wireless customer. I had 4 voice lines and a connected tablet. I ported my services to XXXX and paid off all of my remaining phone balances with XXXX. Confirming with an agent that my services were disconnected, and they were paid in full. I was assured it was. Fast forward approximately 3 months later and I notice via a secondary email that XXXX is still billing. When I called in and spoke with an agent they said " I notice the problem '' when you ported out your voice lines, you did not port your tablet data line, it became a new data only account and has been billing you. I explained that the tablet is no longer used, I want services cancelled. The agent apologized and transferred me to someone who could disconnect my account, that 2nd agent assured me I would be receive a credit, nothing was owed, and the account would be closed. Fast forward about 60 days and I receive yet another notice, this time from XXXX collections stating I owe money still. After 3 calls and the collections department refusal to let me speak with anyone else, I finally just paid the balance. 30 days later a paid collections shows up on my credit report. This should not have been a collection, XXXX created a data only account without notification, XXXX made commitments and gave false information.
Product: Debt collection

Jefferson capital I have attached my police report as this alleged debt was removed from my name from XXXX years ago. XXXX received the police report and my fraud claim several years ago and approved the fraud claim and the debt was removed from my name. Immediate removal of all credit reporting is needed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted Identity Theft affidavits via the FTC to Equifax, the documents were signed for on XX/XX/2018. In detail it referenced all accounts that were fraudulent. Both XXXX  and XXXX followed proper protocol per Section 605 ( B ) of the FCRA ... but Equifax claims that they don't have to follow those same consumer protection laws that states within 4 days of receiving the proper documentation that all of the accounts in question should be blocked from he consumer credit profile ... .I spoke with 2 separate agents that stated and I QUOTE 'EQUIFAX DOESN'T FOLLOW THE SAME GUIDLEINES AS THE OTHER 2 CREDIT REPORTING AGENCIES ... .now last time I heard the laws should apply to all the same way. Equifax is the worst, and they lie and cheat the consumers daily because they get paid BIG BUCKS by these companies to damage credit profiles for financial gain.
Product: Credit card or prepaid card

There is no way I can pay this bill off when every time I make a payment they turn around and charge outrageous interest charges. My bill payment fluctuates from month to month, so I never know what I will have to pay until I get notice through my statement. I have never missed a payment and it's a complete struggle to make these payments and never get ahead, There have even been times when I've made the requested payment and then, after receiving my payment they will charge so much interest that it takes my account over the limit. Outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

icant getmy free creditreport
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to place a 90 day fraud alert hold on my credit with Equifax for 7 days now ( starting on XXXX/XXXX/XXXX ), and each time I get a generic error : " Our system is currently unavailable We are currently unable to add initial 90 day fraud alert or XXXX XXXX alert to credit file online. Please try again later or click here to print a request form. If you need to install XXXX XXXX click here ''
Product: Debt collection

I found out about this debt after I got my credit report. I asked them to validate this debt with information and they have yet to supply me with it. I told them it is unlawful to try to collect a debt which includes reporting it on my credit report but they are ignoring my request for validation and neglecting the law by reporting it on my credit report.
Product: Checking or savings account

Ally Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX ) denied my application for a savings account based on information from a bank history report by XXXX. 

Although banks may reject applications for checking accounts based on bounced check history or account closures this isn't the case for savings accounts. In fact, establishing a savings account is suggested as a way for unbanked people to gain the trust of major banks. 
https : //www.bankrate.com/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RENTDEBT AUTOMATED COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$6200.00} Open balance Original creditor XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX, TX XXXX Opened XX/XX/XXXX ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual I am a victim of family XXXX and by law I was allowed to break the lease without penalty as Texas law allows me to do. I am a victim of family XXXX. I was brutally attacked, XXXX, beaten by 3 members of my family. I decided to file charges against these people and was told by the detectives and Texas XXXX victim advocate that I would need to move into XXXX county and out of the home I was renting at the XXXX XXXX XXXX at the time. My attackers were family members and knew where I lived and would be likely to retaliate against myself and my year old daughter at the time. These people have protective orders filed against them in XXXX county and as of today XXXX only one of the 3 have been arrested on the charges. I did inform the manager at the time that I would need to leave after everything that had been done I could not continue to live there. My attack happened at the end of XXXX however formal charges were made against them until XXXX when I agreed to press charges and was relocated for my safety and my daughters safety. The manager there did not care the still file eviction against me and have now put it on my credit record. Section 92.016 of the Texas Property Code gives victims of family XXXX the right to vacate and avoid liability. This means a victim of family XXXX may break her residential lease without penalty and in some cases without notice. Landlords who do not allow the tenant to break the lease or who attempt to place barriers, conditions, or restrictions on the victim are breaking the law and are subject to a civil penalty of one months rent plus {$500.00}, damages, and they must pay the victims attorneys fees. I want this removed from my credit immediately. This needs to be removed within the next 30 days at minimum. I know for a fact I submitted the documents to the front office there and I took picture of the documents on the day they were delivered to the front office. I have emailed the collection company and sent through the mail all police reports and all evidence to have this removed. No one will return my attempts to reach and I have disputed this on several occasion and each time they allow this to stay on my record. I have all the documents including emails to file civil lawsuits against this company. To charge a victim of family XXXX violates the law making the landlord liable for damages to tenant. As of right now I want the item removed from my credit ASAP. It is common knowledge and against the law for a landlord to create a lease that does not allow a a victim of family XXXX to break a lease for safety reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to get this inquiry remove off my credit report
Product: Checking or savings account

I ve been banking with Wells Fargo for XXXX  years almost and on and off in the past. Its sad to find out after you ve started the process to buy a home, that because of an honest mistake I m held accountable for the bank allowing a check to be cashed. On XX/XX/2025 I came across a check I thought I lost, so I went ahead and did a mobile deposit on XX/XX/2025 the XXXX XXXX was available in full. Before the funds became available I believe Wells Fargo should have not allowed the deposit to go through with funds available the next day. On XX/XX/2025 I get a call from Wells Fargo that my account was being closed because of this, truly an honest mistake. I believe Wells Fargo should be held Accountable because the system allowed the check to process. Not close my account, I ve never had issues with any deposits or checks going into this account. How is that fair when again it was an honest mistake on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested a re-investigation with " EXPERIAN '' on the alleged accounts on my consumer reports. I Challenged these same accounts with " EXPERIAN '' and they stated all accounts had been " verified, complete, and accurate '' on my consumer report. I also still requested the " METHOD OF VERIFICATION '' with " EXPERIAN '' with no response or information on this matter. 



15 USC 1681e ( b ) Compliance and procedures
Product: Debt collection

I have a new negative account that has shown up on my credit report and it says the original debtor was XXXX, and it is now being reported by Jefferson Capital System. I have never had any association with or done any business with XXXX or any affiliated company. This account states it was originally opened in XX/XX/year>, but is already in collections three months later. I've already tried filing a complaint through XXXX with no answers. This is not my debt.
Product: Student loan

I have enrolled in the Income Driven Repayment Plan through Navient. I have struggled with this company since 2013 to repay my loans. I have gone into forbearance, deferment, and multiple Income Driven Repayment plans. I am a XXXX XXXX and attempting to repay my loans to the best of my ability. I am now enrolled in a XXXX XXXX/month repayment plan and have been been paying XXXX XXXX/month in order to put more towards my principle and pay off my debit faster. My recent payment of {$200.00} was posted and ALL of my payment was put towards the Interest! How is anyone capable of repaying a debt when nothing is going towards the Principle? Also, I have been attempting to raise my credit score ( as I am looking to purchase a home ) and after Navient posted my payment, my credit score drastically dropped as my total loan had RISEN {$110.00}! When researching how to get help with these loans as I went to school for XXXX XXXX ( which the job field was projected to rise ), I stumbled across four class action lawsuits and multiple borrowers who are also facing the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I pulled my credit report and notice a nuremouse amount of blaten inaccuracy being reported on this account. 
XXXX XXXX XXXX # XXXX. I have contacted Transunion to get the inaccurate information remove. They said they verified it as being 100 % accurate. How can this be possible, if the account is showing 3 diffrent last active dates Transunion has XXXX, XXXX shows XXXX and XXXX is showing XXXX as last payment. 
According the the FCRA, all information in a Consumers file must be reporting accurate or it must be deleted immediately. I have inclosed proof of the inaccuracy and it is still being reported on my consumer account as verified and accurate information, which is a definite Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX informing me that they had lowered my credit score by XXXX points. When reviewing the alert, I found that on XX/XX/2023, FACTUAL DATA, XXXX XXXX XXXX XXXX, GA, XXXX, I passed my credit twice, one by XXXX and the other by XXXX for said score, a fact that I do not recognize or authorize under any circumstances and I do not know said company and its origin, for which I consider a fraud for myself, considerably affecting my score credit, which I manage correctly and satisfactorily. 
I took the action of calling XXXX by phone to notify said fraud to which they told me to contact FACTUAL DATA, to directly solve this situation with them, which I did not achieve because they did not attend me. Then I called XXXX again and they told me to file the fraud complaint with you, and then send them proof of the claim.
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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't received any investigation results.
Product: Money transfer, virtual currency, or money service

XXXX scammed me for {$1000.00} on XX/XX/22 for payments required to receive a payment owed to me for furniture sale. I contacted Wells Fargo that same day and they opened a case. 
I received two letters on XX/XX/22 that were dated XX/XX/22. One letter said Wells Fargo would continue to try to assist me with resolution of the issue. The other letter said Wells Fargo was unable to stop or reverse the funds and they are closing the claim. I contacted Wells Fargo the same day the letters were received. They said they created a claim with XXXX last XXXX for refund from the financial institution. I continued to monitor my account for reimbursement but didnt see any reimbursement and hadnt received any communication from Wells Fargo XXXX so I called again on XX/XX/22. Wells Fargo said they didnt have an update.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX USA has Violated my rights. 

15 U.S.C 1681 section 602 A. States i have the rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have OLD accounts that has been closed for more than 7 years on all 3 of my credit reports XXXX, XXXX and Experian. There are still accounts open that suppose to be closed. I have reached out to all 3 credit reporting agencies filing disputes. I dont understand why after 7 years these accounts are still on my reports. I dont understand why accounts the closed isnt closed! According to the Fair Credit Reporting Act, old accounts that are more than 7years should be removed from a consumer credit report. I have closed accounts on my credit reposts that is 7-11years old, why??
Product: Checking or savings account

I was informed by email that Chime was closing my account on XX/XX/. They closed it that day and said I would be receiving my funds by paper check within 30 days. I contacted them that same day and asked if there was any way I could retrieve the funds before closure. I was told no by the first rep who seemed to be reading from a script and didn't care. I was told by the second that he would send an escalation and someone would contact me within 24 hours. No one contacted me and I have received neither check nor any communication since. This has really messed up my finances since I have all my money in this bank and must now wait for them to decide to send MY money to me when they feel like it. Today is XXXX and I still have nothing.
Product: Student loan

Nelnet took over servicing my federal parent plus loans in the middle of the XXXX. I started paying back XXXX of the loans after my son graduated from college in XXXX. We never stopped paying during the deferment period, until Nelnet took control of the loans from Great Lakes. At that time, Nelnet was not set up to allow us to continue to make payments ( which should not have been acceptable by the department of education ) You should have been able to make payment if you wanted. My complaint is, that when my daughter graduated and I needed to start repaying my loans, I noticed my number of payments on the loans I have been paying was reset to XXXX. My older loans have smaller balances and should not require XXXX more payments to pay them off. Resetting my number of payments is adding more interest to my loans. This should be viewed as illegal. I have requested a statement from Nelnet on XX/XX/XXXX showing all payments made on the loans since the start of my repayments. The only response was sorry for delay in our response. Never an actual response. I logged into my Nelnet account on XX/XX/XXXX and my balances were wiped out. The next day, it was back to the XXXX payment. I have tried to login to my account at Great Lakes from XXXX different devices but I am getting a message that the connection is not secure and it will not let me see my information. What a disaster.
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 my ability to obtain credit. It is my understanding that youll investigate these items for me to ensure accuracy Here is the item I am asking to verify as accurate : XXXX XXXX : Account Number Ending XXXX Opened On : XX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

was preapproved for a lower interest rate then the rep tried upping the interest rate to over 30 % almost a 15 % jump XXXX  these bait and switch companies will be filing a complaint. Terms were double the interest and fees waste of credit inquiry should be illegal business practices. Want the company to offer an apology and to remove any credit inquiries from all credit reporting agencies. Would also request for all my personal and financial information to be removed from their databases and to stop bait and switching applicants.
Product: Student loan

I submitted Feedback Case # XXXX on XX/XX/XXXX to FSA regarding incorrect counts towards PSLF. I have been employed at nonprofits since XX/XX/XXXX which all has been certified to FSA and Mohela. It seems that the months of XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX are missing in my counts. My loans are currently serviced by Mohela due to PSLF and they are in administrative forbearance forced by them and they claim they didn't receive my change in income documentation that was submitted to FSA when I applied for an IDR plan, which I have resubmitted. I do understand that they are extremely busy with loans going back into repayment after the pause, but it is stressful. I have attached all of the employment certifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORT ON BOTH OF MY XXXX XXXX XXXX   ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Debt collection

I received a collection notice from True Accord, Corp. XXXX XXXX XXXX. The amount is {$590.00}. The creditor is XXXX and XXXX. 
I called Uplift to ask what this debt is as I have no idea, they refused to tell me unless I provided personal information, birthday/ss # etc. I refused to give this info. 
In XXXX of 2021 I noticed that XXXX had been taking {$51.00} a month from my XXXX account. 
I immediately contacted XXXX and informed them of fraudulent withdrawals. XXXX stopped the withdrawals and I was refunded 3 payments. I thought this was resolved until I recently got the collection notice. 
I have been unable to get any clarification from XXXX or True Accord as to what this debt is, therefore I assume this is a fraudulent claim.
Product: Student loan

My school loan is overpaid. AES ' defense, " It just looks like we charged you twice ''. No, I was charged twice and the mistake happened when the loan was consolidated. Their records show that and my records show the same. Thus far I have paid {$87000.00} and owe another {$2300.00} which will equal around XXXX on a loan that was originally XXXX. They have a balance of {$69000.00} because they charged me twice. The interest paid from XXXX to XXXX is {$11000.00} on XXXX NOT XXXX at a supposedly 3.25 interest rate but was actually charging me 6.5 on a fixed rate. The department of education has no record of this because AES never reported my information. However, other lenders/servicing companies sent all my school loan information. They were so transparent they can't be questioned -- but not AES. 

So, why hasn't AES refunded my money. Simply, stating " It just looks like I overpaid doesn't cut it because it's OVERPAID. Also, I received a promissory note that I never signed which is fraud. AES has misapplied and misappropriated my loans for years. AES is just as bad as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Equifax for reportin g four  accounts on my credit report that do not belong to me. They were all opened in   XXXX   and they appear to be medical related debts. What I do n't understand is that they are only being reported on Equifax at this time. There is n't even a name to identify where they are coming from!     I am attaching a section from a recent report which shows how only Equifax is reporting them to my credit. The first account has an account number of  XXXX  with a balance of {$870.00}. The second account has an account number of  XXXX  with a balance of {$1200.00}. The third account has an account number of  XXXX  with a balance of {$4800.00}. The fourth account has an account number of  XXXX  with a balance of {$1000.00}.     According to the notes on my report, they are coming from someone else 's overdue hospital bills but they keep getting placed on my credit! Where and how is Equifax coming to the conclusion that they belong to me?     They are compromising my personal information by reporting someone else 's accounts on my credit and the worst part is that they are refusing to remove them because they are concluding that they belong to me. This can not be possible. The credit reporting agencies have reported other persons ' accounts on my credit before just because we have a similar name. This is what is happening now and I suffering unjustly because of it.     To this date, nothing has been done to properly substantiate and remove these accounts from my credit. I am in the process of filing a police report to help address this issue because I am not responsible for any of these debts.     This is a request for validation and supporting documentation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate adequately. They inform me that recovering my funds was impossible and that tracking my transactions was not a possibility. The CFPB findings indicate Zelle has neglected to protect consumers and have left many vulnerable to scams. The lack of transparency and accountability raises concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.