23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I called XXXX about a outstanding credit matter, they refered me to attorney XXXX i contacted them on this matter they said this matter was closed XXXX 2014 but its still showing up on my credit report I need this matter resolved as soon as possible
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX  - XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX  - XXXX - Please delete this item immediately. 

XXXX XXXX XXXX- XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have 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 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 or 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 data is inaccurate.
Product: Student loan

In XXXX, I made two lump-sum payments to my loans with XXXX. For this reason, my due date was pushed back to XX/XX/XXXX. However, when my loans were switched to MOHELA for the purposes of the Public Service Loan Forgiveness ( PSLF ) program, they reset my payment date to XX/XX/XXXX. I am filing this complaint because MOHELA should honor my original due date. I should not owe payments last or this year, as I should receive credit for the payments I made ahead. I contacted them about this and they did not offer me an explanation for resetting the due date nor a resolution to this matter. 

In addition, I'd like to make a complaint that as I was trying to work with MOHELA to provide an answer to this issue ( and to the fact that they placed me on the SAVE plan without my consent or request ), they placed my account on the wrong type of forbearance, resulting on XXXX and XX/XX/XXXX not counting toward my PSLF count. I was advised on more than one occasion by customer service representatives that they were placing me on an administrative forbearance and that months during that time would count.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a throughly investigation. This practice violates the fair credit reporting act, is U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act, 12 U.S.C 5536 ( a ) ( 1 ) ( a ) - ( b ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I updated my address, phone and email with all 3 credit bureaus back in XX/XX/year> over the phone with each bureaus customer representative. I requested to have all 3 reports sent via postal mail. I only received XXXX and never received Trans Union or XXXX. I have online accounts with all 3 bureaus and checked to see if the info was updated. The info I gave them in XXXX was updated initially and then somehow changed without my knowledge. My address reverted back to an old address and also listed are random addresses Ive had over the years. This is not the 1st time this has happened. This is constantly happening and it seems to be with Trans union and XXXX the most. I can never get the info I need mailed to me, the info gets altered and not by me and the information becomes very confusing for no reason. This has also happened in my student loan online account and a few bank accounts. I do not know how or why certain addresses are being changed without my knowledge. This has caused me to not be able to keep track of my credit and prevents me from getting any type of credit for anything because the information will not match up. I have had my address changed without my knowledge to places I never lived but walked into like post offices or walked passed like random addresses in whatever area I was in. This is making me feel like I am being XXXX which I have been a victim of in the past. I am not sure how the info is being changed or when it happens because I find out weeks or months later. I have asked when and how the changes happened and none of them have any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notwithstanding allegations of fraudulent charges regarding Capital One account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the XXXX, XXXX and XXXX  consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

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: Debt collection

XX/XX/XXXX account switched to my daughter 's name at the XXXX XXXX store in XXXX, Iowa. Three lines disconnected per my choice. Four lines transferred to my daughter 's new account. Spent 2.5 hours in the store to close old account, verify no late or change over or reconnect fees with XXXX XXXX Customer Service. 
Verified a credit would be issued to by account for end of service in the beginning of XX/XX/XXXX. Credit issued on XX/XX/XXXX bill but also reconnection fees for 7 lines, 3 of which were never reconnected, 4 of which were placed on another account. 
Account was paid XXXX $ XX/XX/XXXX leaving a balance of XXXX . {$99.00} was paid XX/XX/XXXX. Service was cancelled per customer choice on XX/XX/XXXX. Service period was XX/XX/XXXX - XX/XX/XXXX. 
Normal monthly fee is XXXX $ for 7 lines, XXXX $ for new phone payment and insurance. Credits for health care worker brought monthly bill to XXXX. {$99.00} was paid on XXXX. The company is charging XXXX $ for 7 days of service. Absurd. If you take XXXX $ and divide it by 30 days you XXXX $ per day is XXXX plus the XXXX for the insurance and monthly phone payment you get XXXX . XX/XX/XXXX balance due which was XXXX . {$69.00} + XXXX + XXXX = XXXX - {$99.00} = {$61.00} due to XXXX XXXX. Not {$320.00}. Waited for corrected bill to arrive. Called to correct bill. XXXX XXXX  sent to collections. 6 or 7 phone calls later, each at least 45 minutes long, issue still remains unresolved. Convergent stated XXXX XXXX had to fix bill. XXXX XXXX said Convergent has to fix bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Financial SYS added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not validate this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Financial SYS has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit card

I submitted a complaint to CFPB on XXXX XX/XX/XXXX and it was immediately closed regarding this same issue. Why was it closed? 

I was divorced in the XXXX  of XXXX. During the divorce I contacted all credit card companies and our banks to remove my ex wife from the account, or close all of the accounts. The military Star card through The Exchange Credit Program is the only credit card that did not close my account as requested through their consumer phone number to close accounts. 
I went XXXX  for work shortly after for 4 years, came back to the U.S. In XXXX I notice my credit score had dropped to below XXXX. The military star card was used by my ex wife, military star card did not close the account as required. I contacted military star card and asked them to cancel the card, close the account, they only sent the original documents and nothing else, they also refused, did not close the account. 

Once again, this last month, my ex wife has been delinquent in her charges and caused my credit to slip. 
This is absolutely wrong. Military Star did not follow their obligations to close this account, and initially you have refused to look into this. Your my resource for issues such as this. Cant you at least contact Military Star card The Exchange Credit Program and have them have my wife keep her own account and free me from this? What is the reason you would refuse?
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX XXXX on XX/XX/year> permission to pull my credit report. This is a fraud inquiry on my XXXX Credit Report.
Product: Student loan

During my time at the University of XXXX at XXXX XXXX, I was a low income student who qualified and participated in work study programming and I was also a pell grant recipient. My loans recently went up {$15000.00} within a months time totaling over {$130000.00}. I am disputing the amount of loans owed to XXXX XXXX because the information which they are reporting is not accurate. The loans that they are claiming which were disbursed to me are not accurate as I utilized pell grants and scholarships which I was a XXXX XXXX XXXX recipient. I graduated owing the university XXXX in student loans. I know this to be true and I feel that some fraudulently activity has taken place with the both the University and Fedloan servicing as they have continue to handle me as a number by way of my social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/XXXX, which XXXX  received on XX/XX/XXXX. I have not received any response to my disputes requesting a signature that I owe the debt. I sent follow up letters on XX/XX/XXXX, which were received on XXXX. I have not received any communication regarding these disputes requesting a signature that I owe the debt nor did I receive anything from the listed creditors. Also to add, I've disputed directly to XXXX and their address on my credit file is incorrect so there is no way I can reach them by mail. I provided evidence of this, but no action has been taken yet. These issues are preventing me from getting a house and a car, which I can't do until these issues are resolved.
Product: Credit card or prepaid card

A company Barclay has reported late payments. it says XXXX rewards. says I have a card open in my name as an authorized user, but I never bought anything through them
Product: Debt collection

I have sent this company police reports, FTC affidavit, I have called them repeatedly and they never fix the problem. I have been talk to you rudely, I have been hung up on, I have been told it is never going to come off my credit report unless I pay. I've been called a liar. This company is ruining my credit and they need to remove what they have on my credit report because it is identity theft and I have proven it to them time and time again
Product: Vehicle loan or lease

{$680.00} Westlake financial Services Since XX/XX/2017 XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

While trying to apply for a credit card I was denied to due errors on my credit. It appears that Experian is reporting bad erroneous debt in my credit profile. 

Ive reached out numerous times via there online dispute option. Each time they respond that they already researched this dispute. 

Ive advised each time that this account does not belong to me and Im unaware of this account. Ive asked for proof which they are never able to provide. 

Ive disputed this account again today XX/XX/2023 and immediately received an automatic denial to investigate. 
EXPERIAN says it wont process a new dispute without me providing evidence. I do not have evidence as this account is not mines nor do I have any paperwork to provide as I dont own this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$200.00}
Product: Debt collection

Dear CFPB Complaint Department, I am filing this complaint against Sunrise Credit Services for its relentless, unethical, and obstructive tactics in handling my account. This company has shown a blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) and demonstrated practices that, in my view, warrant a thorough investigation and immediate corrective action. 

1. Harassing and Boiler Room Tactics Sunrise Credit Services operates with a high-pressure, boiler-room mentality, which involves repeated, aggressive attempts to intimidate consumers into accepting alleged debts without offering any proper verification. They contact me incessantly, with representatives that employ high-pressure language, trying to bully and force me into compliance, which is both unprofessional and unlawful. 

2. Rude and Obstructive Customer Service The customer service representatives at Sunrise Credit Services are consistently rude, unhelpful, and unwilling to provide even the most basic assistance. They have ignored my requests for documentation and verification of the alleged debt and have responded with hostility when I attempt to obtain this information. Their interactions are unprofessional, and their representatives make it abundantly clear they have no interest in consumer rights, only in extracting payments, regardless of legitimacy. 

3. Obstruction of My Rights and Refusal to Provide Accurate Contact Information When I requested the correct address for submitting a formal dispute and debt validation request, Sunrise Credit Services purposefully provided inaccurate information, obstructing my ability to exercise my rights under the FCRA. This tactic seems designed to frustrate consumers and prevent them from submitting proper legal disputes. 

4. Violation of FCRA and Potential Fair Debt Collection Practices Act ( FDCPA ) Infractions By refusing to verify the debt and by failing to provide me with the correct address for dispute submission, Sunrise Credit Services is in direct violation of the FCRAs requirements to report only accurate, verifiable information. Additionally, their aggressive and unprofessional tactics may constitute violations of the FDCPA, as they appear to engage in deceptive practices aimed at discouraging consumers from defending their rights. 

Formal Request for CFPB Investigation I urge the CFPB to launch a comprehensive investigation into Sunrise Credit Services practices and to impose any necessary sanctions to prevent further consumer harm. Their relentless harassment, unwillingness to provide clear contact information, and use of boiler-room tactics have caused significant stress and financial disruption in my life, and I believe many other consumers may be suffering similar abuses at their hands. 

This complaint serves as a formal request for the CFPB to take immediate action against Sunrise Credit Services to hold them accountable for these unlawful practices. Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Debt collection

Columbia Debt Recovery is trying to collect a debt that does not belong to me, the information they provided me is that it is a fee charged by an apartment complex to verify housing application. I do not live in XXXX XXXX and have never lived in XXXX XXXX. 

When I spoke to request information, the company suggested that I need pay the debt because no one was going to be able to help me with that debt. I consider it a method of extortion and harassment on the part of the Collector, they did not even have my information on where to collect the debt from me, until the moment I contacted them, they began to send me emails with the charges.
Product: Student loan

I was approved for the income driven repayment plan for 1 year and I am to reapply yearly. Nelnet AND XXXX credit bureau are inaccurately reporting my program as in deferment which is inaccurate and bringing my credit score down XXXX plus points. I have contacted Nelnet, credit bureau regarding this matter and received letters from both entities that it was resolved but it 's worse. I have been paying student loans for 10 years for a certificate degree with no late payments and finally approved on a program and now my credit is messed up from both branche 's with no resolution. I 'm in worse shape. I 'm complaining against Nelnet for innaccurate student loan reporting and XXXX for poor reporting, bad customer service and failure to verify information which has been submitted by myself and Nelnet.
Product: Credit reporting or other personal consumer reports

I see numerous fraudulent inquiries in my report. i have been disputing these since last year. I know my right. You are violating my right to accurate & fair reporting. Remove these inquiries as soon as possible. 

XXXX  inquiry date XX/XX/XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : 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 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

I discovered this XXXX  that there are unauthorized inquiries on my credit report, and I have no idea why. I was doing my routine check, and suddenly, there were inconsistencies that werent there before. I even tried refreshing the browser to see if it was a technical glitch, but it wasnt. The inquiries remained, and now I am asking for a thorough review of the documents I sent so this issue can be fully resolved, and I wont have to worry anymore.
Product: Debt collection

Over the past year etc, i have tried to get them to lower my payment, when i bought the house in XX/XX/2011 was mainly cause i needed a first floor apartment or house as i am XXXX. My money ran out finally this year and all i have is the social security check every month which is currently {$1500.00} a month and my mortgage payment is {$1200.00} a month.

I have asked for a lower payment for some time. I finally got a lawyer ( to pay him {$750.00} every 3 months ) to get my payments lowered. One job alone was 33 pages, and 8 pages of Bank statement IRS statements copy of light bills then money started running out etc,.

I can not live on the street, i have nowhere to go.

I would gladly pay pay Wells {$700.00} to {$850.00} a month starting now!!!!!