23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit report from XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX, OH, XXXX, and phone number XXXX. It shows the account was opened XX/XX/2017. It says the original creditor was XXXX XXXX XXXX XXXX XXXX XXXX and the amount is for {$1100.00}. The issue is that there is no original account on my credit report from XXXX XXXX XXXX XXXX XXXX. I think this MAY have been an old credit card, but all the information related to this account has disappeared from my credit report and therefore, I do not know when this account was open, what the balance was/is, and if it is past the statute of limitations because all of the information related to this account is NOT on my report. It was my understanding that old accounts of 7 years or more fall off your report and then collection companies can not collect on those, but this collection is showing as a new account opened in XX/XX/2017. Since there is not an old account showing this debt that was closed ( as is supposed to be on my credit report when the collection company buys it ) I reported these errors to Experian, but their investigation came back and nothing was changed. Since the original account is not on my credit report, I have no idea of what the dates are, and all of this information is incorrect and the collection company should not be able to have this on my report. I am requesting that the credit reporting bureaus remove this account from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lawyer put a lien on my home and its stopping me from sale it. I called speedy cash and the state that they dont know who this is. The only people that can collect is XXXX XXXX XXXX
Product: Student loan

Have tried to get forgiveness. Set up payment plan mohela but can't make payments. Owe {$97000.00}
Product: Checking or savings account

I opened a checking account on or around XX/XX/2022. I received a debit card shortly after from navy federal credit union. I deposited {$200.00} in my checking account using my debit card. I then extended credit to navy federal credit union and was denied credit for no reason as their reasoning did not make any sense as my credit score was a non negative factor, my ability to payback was a non negative factor nor was my history. I believe this is a result of XXXX discrimination. I was then denied access to my account and blocked from withdrawing my funds and access to my funds pursuant a Identity verification. Which this verification was unwarranted and a unnecessary encumbrance. For 3 weeks daily, I have called navy federal credit union and each time for over two hours no live man nor woman answered. I have these calls recorded and are willing to testify. I simply want my funds released back to me, I would also request that a line of credit requested is made available to me immediately. I would also ask that my account be restored. I have incurred damages and financial injury in this matter and have now given notice of this error and opportunity to cure.
Product: Mortgage

Relevance to your posted article : Orders NewDay USA to Pay {$2.00} XXXX for Illegally Luring Veterans and Military Families into Cash-Out Refinance Loans NewDay USAs deceptive tactics came amid XXXX  XXXX XXXX XXXX scandal XX/XX/XXXX I am a XXXX XXXX  who did a refianance loan with Newday USA XXXX XX/XX/XXXX and I am a victim of the NEWDAY USA XXXX CHURNING SCANDAL. I lost XXXX XXXX dollars in equity and my mortage payment went up over XXXX dollars. I have XXXX and was fully taken advantage of by Newday USA 's crooked scheme.
Product: Credit card

I lost my job on XXXX they charged me every month for credit card protection and I'm XXXX XXXX XXXX  I file for a protection claim and give them all them information they needed. My credit card is getting charged and they are not trying to protect my credit, I sign up for the credit card protection claim and nothing. They are doing nothing. So what can I do they about protecting my account and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions attempted to resolve this issue of false reporting with the company ( XXXX XXXX XXXX ) and the consumer reporting agencies. 
XXXX XXXX These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX {$10000.00}, XXXX XXXX  {$10000.00}, XXXX XXXX  {$1100.00}, XXXX XXXX {$3300.00}
Product: Student loan

This agency Immediate Credit Recovery is falsely reporting on my student loans and causing me to stay into default because they will not release the LVC and they are reporting that I am being garnished and I am unemployed with no income and trying to consolidate muy loans and they are denying that process to take place. Please recall my account from this agency as they are not properly servicing it.
Product: Credit card or prepaid card

In XX/XX/XXXX, I purchased tickets for XXXX festival using Affirm, which is a virtual loan service. The total cost was {$720.00}. The festival was to take place XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, a week before the festival, the whole festival was cancelled. I have been reaching out to XXXX for months to no avail. XXXX has not responded to any outreach about refunds. On XX/XX/XXXX, I received an automated email from XXXX stating that if I do not receive my refund from them within 90 days, that the credit card company can process the refund. I have been going back and forth with Affirm for months now. It is way past the 90 day mark and they are still refusing to refund me. Affirm is telling me that since I did not dispute within 120 days, they cant help me. I keep asking them how was I supposed to dispute it within 120 days when the purchase was made in XXXX, and the festival wasnt cancelled until the end of XXXX. Even after I let Affirm know that the festival was cancelled, I still had to pay the remainder of the balance for the tickets. This is a lot of money and I should not lose it due to something that is completely out of my control.
Product: Money transfer, virtual currency, or money service

Won't let XXXX connect to my pnc account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I submitted an Identity Theft Affidavit to Experian, because someone had opened up and account with XXXX XXXX XXXX XXXX XXXX Account # XXXX ). I was sure to include my ID and proof of address for identification and residence verification. I never received a response back from Experian nor XXXX regarding my dispute FCRA 605b ( 15 U.S.C. 1681c-2 ) 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I looked up my credit report today XX/XX/XXXX and seen that there still has not been an investigation per my right to request an investigation. This has been injurious to me, causing me mental and emotional distress. I was denied credit and opportunity to purchase a vehicle because of something that was not my fault. This is unfair to me as a consumer and a unwarranted defamation of my credit worthiness. I am providing proof that no investigation was conducted in order to correct this inaccurate information being reported about me. 
I AM RESENDING WHAT HAD BEEN SENT ORIGIONALLY BACK IN XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and there are inquiries that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I did apply for the XXXX payment plan and i was approved but i checked my student loan account with aidadvantage for over two months now and its says my account is " Awaiting Form Administrative Forbearance-Ends XX/XX/XXXX Repayment Plan Saving on a Valuable Education - Ends XX/XX/XXXX Repayment Start Date XX/XX/XXXX '' meanwhile, my interest keeps going up each day and i believe i am being fraudulently being charged. i also tried to setup auto pay and the system would not allow me
Product: Debt collection

I, along with my father who consigned, took out a XXXX  student XXXX Loan, disbursed XX/XX/XXXX, reflected an original principal balance of {$11000.00}. in the The student loan account serviced by XXXX XXXX XXXX ( XXXX ) on behalf of the holder, the XXXX XXXX XXXX XXXX XXXX ( XXXX ). My father and I started making payments on the loan on XX/XX/XXXX. Total we paid over {$15000.00}. Last we heard from XXXX XXXX XXXX XXXX XXXX was on XX/XX/XXXX through a court order. As of last week my employer received a wage garnishment from the Rodenburg Law Firm out of XXXX, ND regarding the XXXX student loan. I never received information regarding the court hearing date regarding this debt. A judgement against me was issued on XX/XX/XXXX and my wages are now being garnished which is the first I have heard about the judgement being reissued. My father has previously tried to contact the Rodenburg Law Firm in XX/XX/XXXX for information detailing chain of custody, loan application and monthly history of all amounts paid. This has been asked for before that with no response. He received no response again. Even with the payments made totaling over {$15000.00} the judgement is showing listed for {$27000.00}! With no explanation as to the balance or the DRASTIC difference in value. In XXXX, If you seek the validation from a debt collector, then the debt collector must discontinue all attempts to collect the debt until such time as the debt collector provides verification. We have never received such verification. Also the statue of limitations in XXXX should have a bearing on the debt collection according to XXXX Annotated Code TITLE 30. TRADE AND COMMERCE CHAPTER 3. UNIFORM COMMERCIAL CODE NEGOTIABLE INSTRUMENTS Part 1. Short Title, Form, and Interpretation En. Sec. 3-122, Ch. 264, L. 1963 ; R.C.M. 1947, 87A-3-122 ; amd. Sec. 105, Ch. 410, L. 1991.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit file, I noticed several inquiries that I did not authorize, and I request that they be investigated and removed immediately. 

The unauthorized inquiries in question are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  I have not applied for credit with these companies, nor have I given permission for these inquiries to be made. Unauthorized inquiries can negatively impact my credit score, and I take this matter very seriously. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inquiries be removed from my credit report unless you can provide documentation proving that I authorized them. Additionally, I request that you send me a written confirmation of the results of your investigation.
Product: Credit reporting or other personal consumer reports

Based on a review of my credit report, under the FCRA ( Fair Credit Reporting Act ) 15 USC 1681 and the Privacy Act of 1974, for the purpose of maintaining the consumer report in premium standard, the following partial account # XXXX  should be removed Account # XXXX XXXX XXXX, XXXXXXXX XXXX  Accounts # XXXX, # XXXX, # XXXX. These accounts are considered charged off and closed accounts with a security interest certificates of indebtedness, which are taxable income for sold debt for which I have a security interest in, as per 26 CFR 1.61-12 of the Internal Revenue Code, Subchapter A, and 26 CFR 1.108-2. The treatment of value for market value of indebtedness by the creditor/debtor partnership, as equal to the liquidation value of the debt for equity interest, is for the purpose of determining the tax consequences of the debt for equal exchange. Any and all power of attorney duties and responsibilities have been removed from all original creditors and third-party debt collectors regarding any certificates of indebtedness owed to my estate. Thus they have no permission to report any private income to my public accounts on my behalf. 

Third-party collectors with account numbers and transaction history are to be removed as they are charge-offs from the original creditor and are considered XXXX certificates of debt, which is income per 26 USC 61 where gross income is defined. This income can not be reported as it is a violation of financial transactions and is considered non-public personal information, and should be removed immediately. 

12 CFR 332.10 limits on the disclosure of non-public personal information to non-affiliated third parties. ( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any non-public personal information about a consumer to a non-affiliated third party unless : ( i ) You have provided the consumer with an initial notice as required under XXXX. As I was not notified prior to the recording of any accounts or transactional history, prior to the violation, it is to be removed.
Product: Vehicle loan or lease

On XX/XX/2025, I contacted GLS by phone and was informed that my past-due late fees totaled {$210.00}. I explicitly requested that my payment be applied to cover these late fees. However, GLS misapplied the payment, and the late fees were not cleared. As a result, I now have a past-due balance approaching my next car payment date, in addition to the same late fees that should have been resolved.

When I contacted GLS again on XX/XX/2025, at approximately XXXXXXXX XXXX, the representative I spoke with was unhelpful, remained muted for long periods, and refused to allow me to speak with a supervisor. She also stated that it was unlikely GLS would review the recorded call or correct the misapplied payment, despite my clear instructions on XX/XX/2025. 

This issue was not due to any fault of my own. I clearly and repeatedly stated how I wanted my payment applied, yet GLS mishandled it. I am now being unfairly charged late fees that should have already been covered. 

Desired Resolution : I request that GLS correctly apply my payment to the late fees as originally requested or waive the late fees, as this error was due to their representatives mistake, not mine.
Product: Credit reporting or other personal consumer reports

According to the FCRA XXXX  account # XXXX has violated my rights. 

FCRA section 605 B. It is illegal to report information on my credit report without my permission.
Product: Credit card

Hello dear, I saw 2 weeks ago that my credit card Apple Card is restricted, they restricted my card and I tried many and many times everyday to solve this issue and never happened, they said my account is under review and no estimate time to get it back, I tried like 20 times sending complaints and expedited that and never get any results, I told them I need to use my card and they said you have to wait for complete the review, but they never finished that XXXX XXXX
Product: Debt collection

Me and my wife were living at XXXX XXXX XXXX  for almost a year starting around XX/XX/2015. In that time we never missed a payment nor was late on a payment. By XX/XX/XXXX we had received no notice of a change in rent but I did know the lease was coming up soon so I went to talk to leasing office about resigning the lease for another year. I was then told by leasing office our rent was going up over XXXX dollars due starting next month with no type of notice at all. The rent was too much for us so I put in a written notice saying we will have to move out next month. After we moved I was called by apartment saying we owed money which wasn't true because we paid that last month we were there. We even went back to the apartment and tried to explain but they said they would not remove it and the balance had to be paid. Months passed and i see a debt collection from the apartment for XXXX   dollars. When I tried to dispute it with XXXX they did not remove it. In conclusion we were not given notice of our Rent changing so drastically and a written notice was given so we should not have had a debt at all.
Product: Debt collection

Portfolio Recovery has been calling me everyday for the last year on a time barred debt that is approximately XXXX years old. I also was made aware of a voice mail left on my ex wife 's machine and we divorced over XXXX  years ago. On XX/XX/year> I sent them a certified letter asking them to stop communicating with me and/or 3rd parties. According to tracking number XXXX, they had the letter in their possession on XX/XX/year>. They called again today and I do not want to communicate with them any further. They have my address so if they need to tell me what will happen next then they can mail it by XXXX.