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

On XX/XX/XXXX, I submitted a complaint to CFPB complaint # XXXX stating the following : XXXX XXXX is reporting inaccurate information on my credit report. They reported that I have a late payment of 30 days or more for the month on XX/XX/XXXX. I have proof of all payments made along with the dates and also proof of all payments on their site shows that I have never been late 30 days a or more while having this account. I filed a dispute with all 3 credit reporting agencies but the company refuses to update their information. I also called in on multiple occasions regarding this and representatives have told me that they do not see any late payments of 30 days or more on my account and my account is paid up to date and in good standing. Representatives have also put in a request for further investigation into the matter but the company has failed to respond or send any correspondence to me stating that I have been 30 days or more late with a payment. Payment dates since the opening of the account which was on XX/XX/XXXX. Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these payments show paid via my bank account and also on XXXX XXXX account. I am asking that they fix this matter immediately before additional legal action is sought. Equifax failed to review the evidence attached to the original complaint that was filed to show that company is reporting fraudulent information on my credit report. I am again attaching all bank statements with payments dates highlighted to show that all payments were made on time as required.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting by XXXX XXXX XXXX XXXX Dear XXXX, I am writing to file a formal complaint regarding an issue with XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX has negatively impacted my credit report. 
On XX/XX/XXXX, I traded in a XXXX XXXX XXXX and settled the associated loan account with XXXX. Despite this, XXXX has reported to the credit bureaus that I still owe a balance on this account. I have enclosed a copy of the cleared check ( {$31000.00} ), dated XX/XX/XXXX, which confirms that the account has been paid in full. 
I have called three times and emailed a letter with attached documented proof to XXXX to no avail. 
This incorrect information has adversely affected my credit score and caused significant stress. I have contacted XXXX to rectify this error, but the issue remains unresolved. 
I kindly request the CFPB 's assistance in investigating this matter and ensuring that XXXX updates my credit report to accurately reflect the paid status of the account. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts on my credit report due to fraudulent use of my personal information, and I have never had any involvement with these transactions. Understanding the seriousness of the situation, I immediately filed a report with the Federal Trade Commission, expecting a swift resolution. However, despite taking all the necessary steps, these fraudulent items remain on my report, continuing to harm my financial standing. It is incredibly frustrating to suffer the consequences of someone elses actions.
Product: Debt collection

someone opened this account fraudulently my identity was stolen and yet this account has been reported to the credit bureaus and people have tried to collect on it .... i have filed a police report and an identity theft affidavit from the ftc ... this needs to be removed from your records and deleted from all reporting agencies that you have reported it too.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its 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 accounts 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 failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing an ongoing harm to my credit standing I am requesting a media corrective action to remove or amend the disputed accounts as Experian in action, violate my federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

I sent them a complaint on XX/XX/23 requesting all the original documents I signed to permit them to report my personal information to a 3rd party. They refused to send me the requested information. I am requesting the 3 signed documents, I need to sign to give them permission to share my personal information. They can reference the U.S. Code 1681 ( A ) ( 2 ). If they obtain my personal information without my consent, they can reference U.S. Code 1028 ( A ). I am requesting all signed documents that I signed to an agency to provide you with my personal information. It is your agency to provide the burden of proof. If you can not provide the burden of proof, under consumer laws you must remove any information you reported to any consumer reports immediately. This company stated I have to show them the burden of proof they obtained my personal information illegally. I am requesting all signed original documents that are attached with my name on them
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to formally dispute multiple inaccurate and negative accounts being reported by ( TransUnion ) on my credit report. I demand an immediate investigation and removal of the following accounts off of my credit report. Due to these errors, I have suffered severe financial hardship and this has prevented me from securing a mortgage, placing me at risk of homelessness. Additionally, the undue stress caused by this ordeal has resulted in emotional distress, damage to my reputation, and economic loss.
Product: Credit card or prepaid card

On XX/XX/2020 I called Chase Credit Card Analysts to request a credit limit increase where I was instructed I could make the request " online ''. Upon logging into my account and searching for instructions how. It appears I can not make the request " online '' with Chase. Screenshots will be listed below to show this. Call was made at XXXX EST
Product: Debt collection

This debt is past the 7 year mark. Company dropped it from my credit then reaged it as if it were a new debt. Debt is from XXXX and is now being reported that it was from XXXX.
Product: Credit reporting or other personal consumer reports

I Never made these inquiries on my account! PLEASE REMOVE
Product: Debt collection

It showing on my credit report it was removed before then they put it back on there, I have talk to someone because its two accounts one was open XXXXXXXX  and the other one XXXX. I never open an account with them. My identity was stolen before. I havent received the original contract and I would like within 30days
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CHEXSYSTEMS AND I NOTICED SOME DISCREPANCIES ON MY REPORT PLEASE SEE ATTACHED DOCUMENTS FOR REFERENCE AS IT CONTAINS PERSONAL INFORMATION.
Product: Checking or savings account

I have a account with ChexSystems that I was on the aware of this was a fraudulent account and fraudulent inquiries
Product: Credit reporting or other personal consumer reports

I am on a repayment plan agreement and the company ( XXXX XXXX  XXXX ) continues to report my account as negative to the credit bureau even though I have complied with the terms. When the company offered me the repayment plan after coming off of a special program that I qualified for due to Covid, they reported my credit as 120 days late even though I complied with the terms and is continuing to report my credit as 30 days late each month even though I continue to comply with the terms of the signed agreement. This deceptive practice was not explained to me before I entered this agreement. Why would you say that youre trying to help me when youre trying to ruin me at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit file dispute with Equifax ( Confirmation # XXXX ) was submitted onXX/XX/2018 in regards to a wrong address listed on my report of XXXX XXXX XXXX XXXX, PA XXXX. Sent all requested information via XXXX on the date of the dispute as requested. I have never resided at this address at any time in my adult life. Received mailed notice that the address was deleted and the address is still showing on my credit file as of XX/XX/2018. Submitted second dispute today ( Confirmation # XXXX ) requesting that I send requested documentation a second time. Duplicitous request and first dispute was never updated as stated in received dispute results letter.
Product: Consumer Loan

This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting this closed account as if it is still active and being used today. It has been closed and " charged off '' for years yet they continue to add new reporting dates and balances. This is a scam, and this account is predatory.
Product: Credit reporting or other personal consumer reports

TransUnion has inaccurately reported a medical account under the name " XXXXXXXX XXXX XXXX XXXX XXXX XXXX '' with account number XXXX on my credit report. This account includes sensitive medical information, and its reporting constitutes a violation of the Health Insurance Portability and Accountability Act ( HIPAA ), as no written consent was provided to disclose or repo

rt this information. Additionally, this account was not properly verified in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Despite the legal requirements, TransUnion has failed to ensure maximum accuracy in reporting and to conduct an appropriate investigation into my dispute. This negligence has caused harm to my credit profile and financial standing.
Product: Money transfer, virtual currency, or money service

cash app is allowing XXXX  under XXXX to sponsor my XXXX XXXX XXXX daughter and allowed her to have an account that I didn't approve of under her XXXX XXXX XXXX friends account and control and they would remove the account or give me any info to do so. From my understanding it is illegal for a XXXX  to engage in a contract without parental permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX or XXXX of XX/XX/2022 ; I placed a temporary credit lift on my credit file of reference to that with XXXX which is normally locked to look at utilising Affirm which is a distributed payment or purchase-loan affiliation program instituted to aid in payment spreading for larger level purchases associated with that of credit easing. Such was being conducted to examine purchasing bicycle to ensure for freedom of movement to the juxtaposition of local, regional, and national caging associated with organ surrogacy and trafficking related to that of affiliated persecutory actions of relation towards maintaining international relations. Upon unlocking the credit with the actual provider XXXX which is headquartered in the city of XXXX ; access to credit services were intentionally still being restricted by the company Affirm; essentially positioning through the caller support for the later consolidation of the firm and use of the collected audio fraudulently for the purposes of creating the auspices that submitted PII information was obtained by accidentally interacting with a fraudulent vendor and not the company itself. For example asking to submit debit card information upon intial callout when such had not been submitted to the application, nor would be prior to credit ascertations in support of nationally oriented and intentional financial restrictions of direct relation to nationally oriented organ surrogacy. Similarly the representative suggested to call back in 24 - 48 ; stated time window to complete alloted XXXX training, actions which are being detrimentally exerted and manipulated of direct association to national intelligence initiatives guised as policing by family members and localities. Such is entirely being positioned for lateral theft of identity towards that of a family member for the purposes of nationally oriented subjugation.
Product: Debt collection

I recived calls daily from XXXX XXXX I know I do owe them we beening my husband and my self have talked to them with an agreed amount per week now they are filling up my email also will not appily weekly money to principal only interested or late fees I have had as many as 37 calls per day.we need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal actions were taken against Santander Consumer USA regarding their poor financing and reporting practices. I submitted a copy of the Final Consent of Judgement against Santander from the State of Georgia to XXXX on XX/XX/XXXX. The dispute came back verifying the debt was accurate and belong to me on XX/XX/XXXX. 

My prior car loan with Santander Consumer USA Loan was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX. 

Section 16 of the judgement states " Santander agrees to provide notice to each CRA to which Santander reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement, and it is to be removed from my credit file immediately. Santander Consumer USA is not reporting to the other bureaus, but XXXX is claiming validation of the account I am no longer legally responsible for.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent, protect and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I called back about a debt, XX/XX/23 the person gave me extreme attitude and I said it wasn't necessary and they hung up on me. I've called back multiple times ( 5 ) and been hung up on. Can't pay a debt that I can't get info about in a decent fashion.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report and noticed that you are reporting an experience related to a line of credit I have with your company.

Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; The line of credit I have with your company is characterized as utilization on my consumer reports and your company is illegally reporting this experience.

Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. Therefore, you are in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting this experience.

You have 5 calendar days to update my utilization to 0 % and/or delete all utilization from my account. Failure to correct this error may result in legal action and seeking monetary damages.

Thank you for prompt attention to this matter.
Product: Debt collection

In XXXX of 2021 i Tried to get solar on my house I went through XXXX XXXX XXXX they had me do a loan with Mosaic I canceled XXXX with XXXX XXXX  after mosaic put a lien on my house Which I was told that they would only put a lien on the solar panels so they messed up my refinance of my house and to get the lien removed I had to pay {$250.00} I canceled with XXXX XXXX and do the paperwork I also told Mosaic I have canceled and I had told XXXX XXXX  as well it took them till XXXX And constant fighting to have them submit the paperwork to each other that I had closed the solar and wasnt continuing and the loan was not mine finally XX/XX/XXXX I got a letter from Mosaic saying my account was closed and that any money I had given was going to be paid back and since then I have gotten a letter from debt collector Emails saying that I owe money as well as a {$13000.00} loan being displayed on my credit report I tried to dispute it however Mosaic said that is up to date that I still owe I have called them multiple times and nothing changed however in their system and I quote the loan is closed. They are harassing me with a debt i do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX  has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with t he Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my  credit score  at the moment.
Product: Student loan

I filed for a income based repayment plan with Navient XX/XX/XXXX. They stated that they need a signature letter, and proof of income, which I in turn, provided them. I was told in XXXX that this was processed and everything was OK.. 

Yet I get a bill for XX/XX/XXXX payment for FULL amt. I contacted the lender via XXXX, via the advocate, AND via e-mail to the President of the company. 

I have submitted this information to them 5X now, via fax, mail, e-mail and a variety of other means. 

I received a letter from Navient stating that they did NOT receive the information. But, in the SAME e-mail, they sent me the forms, the signature is correct on the form, proof of income HAS been provided, and a copy of the form correctly filled out. 

So, not only do they have the forms CORRECTLY filled out, they have the signature page, AND proof of income ( IRS 1040 form ) ... due to federal rules proof of income WAS NOT REQUIRED to process this form as income for 2016 was NEGATIVE. 

I have two letters from them stating the same thing, and in BOTH letters, they have provided me copies of the completed form, a signature page, AND proof of income. 

I fail to see any logic in this. They have the forms correctly filled out, they have a valid signature on the forms, and they have proof of income ( which is NOT required ). But yet they can not read their own forms. 

Calling them all I get is the SAME XXXX, parroted back to me. We do not have the forms, we do not have proof of income, yet in the next letter, they send me copies of BOTH the form, the signature page AND proof of income as required. 

I am tired of this run around, Complaints with the XXXX, CFPB, Virginia Attorney General Consumer Protection Section, Federal Student Aid Department of Education, XXXX, have all been filed, yet all I can get out of them is like talking to a WALL.
Product: Student loan

I have been making payments totalling {$56000.00} on and off since 1993 on the original federal student loan amount of {$19000.00} with a 9 % interest rate. As of today my principal loan amount shows a balance of {$21000.00}. I have printed out my payment history and adding in all the capitalized interested, fees and other questionable maneuvers on top of the original principal with interests I show I have over paid my loan by {$14000.00} yet they show I still owe {$21000.00}!? When I speak with them they just offer a large monthly payment, nearly the size of my mortgage, that I can't afford, a income sensitive payment option which doesn't change the principal or a forbearance but they can't explain why I can't make any headway. I feel I will never get out of this loan. Please help!
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed information and unauthorized inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Product: Checking or savings account

XXXX issued a refund in the amount of {$300.00} to Wells Fargo the first week of XX/XX/2025 to finalize credit ( s ) for an overpayment of my XXXX account. Although I have verified that this credit was issued to Wells Fargo and should have been credit to my account and I have made made multiple phone calls to Wells Fargo to check on the status of this refund being credited to my account they still have not credited my checking account for the XXXX refund. Per the XXXX agent that I last spoke to? This Credit was submitted to Wells Fargo the first week of this month ( XX/XX/2025 )