23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am left questioning the legitimacy of your verification process, as other reputable credit reporting agencies have acknowledged the fraudulent nature of the accounts and taken appropriate action. To my bewilderment, your response indicated that you were able to verify the disputed items without providing any valid verification or supporting documentation. This is both perplexing and disconcerting, as the other credit bureaus have acknowledged the fraudulent nature of these accounts and promptly removed them from my credit history. 
XXXX XXXX XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 
I demand a thorough and transparent investigation into the verification process undertaken by your bureau, as it seems to deviate from the standards set by the law. I urge you to rectify this situation promptly by re-evaluating my dispute and providing a detailed explanation of the verification process that led to the denial of the removal of these fraudulent accounts.
Product: Debt collection

Sorry but my exact situation was not available in the selection process. 

In XX/XX/XXXX, my mother had a severe XXXX. In XX/XX/XXXX I moved from XXXX  to XXXX  to help my sibling care for her. I had to break a lease contract and had fees to pay. It went to collections at XXXX XXXX - XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. In XX/XX/XXXX, I called the company and was told if I paid the two charges in full, they would be removed from my credit. And if I didn't pay in full they would be put on my credit report as refusal to pay. So I paid in full close to {$3000.00}. I do not dispute the debt was mine and correct. I have called multiple times. I have emailed every person listed as management on their website over the last 10 months. I was directed to a manger Mr. XX/XX/XXXX who was very rude and told me he would make sure it was never removed from my credit report. The account for {$2300.00} is showing as paid to XXXX, XXXX  and XXXX  on my report but it has not been removed. The account for {$550.00} is showing paid to XXXX  and XXXX  but not XXXX. I have disputed this 3 times and it has not been corrected. I have exhausted every means available to me and need your help please. I ran my credit report on FICO site and as of yesterday it is still there. 

Sincerely, XXXX XXXX
Product: Debt collection

According to the Fair Debt Collection Practices Act : Account : XXXX XXXX  Account number : XXXX I received a copy of my credit report from XXXX and Experian. They are reporting inaccurate information about this account. This charge-off account is reporting I have a past-due balance of {$2600.00}. Also, I disputed this account Experian XX/XX/year> Report number : XXXX and XXXX XX/XX/year> File Identification number XXXX. As attached below I received an email from XXXX stating I paid {$11.00} on XX/XX/year> to XXXX XXXX, this is misreported. According to the FCRA, I have the right to an accurate credit report. Please remove this from my credit report and provide me with a new report reflecting this account removed upon completion.
Product: Credit reporting or other personal consumer reports

When i opened an account with XXXX XXXX XXXX i started an autopay service with them. On XX/XX/year> they turned off the service and did not notify me thus resulting in me missing a payment. Once they called me to collect i was shocked to find out that i missed a payment and was told that everything will be fixed and they removed the late fees and told me they would send a letter correcting the credit report. I then recieved a letter saying they were right and inwas wrong and they arent going to do anything. I then spoke to XXXX rep and they told me that i never had autopay, then another rep told me i did but it was only for 6 months. Every single rep tells me something different.
Product: Credit reporting or other personal consumer reports

This is my third notice of the XXXX XXXX XXXX  XXXX XXXX # XXXX inaccurate information. 15 U.S. Code 181 I, credit reporting is required to conduct a reasonable reinvestigation. I have asked for the reinvestigation and there was nothing done about the inaccuracy on the account. I have attached proof of the inaccurate information.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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: Student loan

I took out a student loan with Sallie Mae in XXXX for the amount of {$14000.00}. The first disbursement occurred on XX/XX/XXXX for the amount if {$7100.00}. After the disbursement I opted into Sallie Mae 's option to pay {$25.00} a month while in school to keep the accrued interest down. Upon receiving the second disbursement of {$7100.00} on XX/XX/XXXX I discovered I only needed a small portion and paid {$6000.00} back on XX/XX/XXXX. After that repayment in XXXX of XXXX Sallie Mae stopped including the {$25.00} for that specific loan in my monthly billing / payment. As a result, since the last payment in XX/XX/XXXX my loan has accrued {$3600.00} in interest. 

I began making full payments to Sallie Mae in XXXX of XXXX. The Sallie Mae app provides you with a total " current amount due '' for your whole loan portfolio each month. In XXXX of XXXX I decided I wanted to begin paying more than the suggested amount. Upon doing so realized that the loan I had taken out in XXXX said " no current amount due ''. After looking at the detail of my payments I noticed that out of the suggested amount I had been paying each month for the past year, none of it had been going towards that specific loan ; allowing it to accrue {$1200.00} in interest over this past year. 

Upon reaching out to Sallie Mae for an explanation as to why the app was not applying payments to my highest interest rate loan, they stated that because I paid that {$6000.00} in XXXX my loan was now considered to be in " prepayment ''. As a result, and WITHOUT MY KNOWLEDGE, the suggested payment amount from that point forward no longer included that loan even though the loan was still accruing interest. It was not until I decided I wanted to pay more than the suggested amount that I was able to decipher that the " current amount due '' for that loan had been XXXX even though it was accruing mass amounts interest, ultimately growing to a balance that is now {$3500.00} more than when I initially repaid the {$6000.00} to a total of {$11000.00}. 

I called Sallie Mae and spoke to a representative who even agreed with me and said that they see where I was misled to believe I was still paying on all of my loans, and that they see how the app itself can be misleading. Even still I was told that there is absolutely nothing that they can do. 

I find it wrong that even though I have been making the required monthly payments to Sallie Mae I am now worse off than before because they failed to inform me that a prepayment would excluded that loan from my monthly payment. I believe Sallie Mae should be held responsible for these actions in some way. Please help.
Product: Debt collection

I would like to dispute the collections account from CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX XXXX ) This account was created as fraud, and should be removed from my account. I have no idea what this is and
Product: Vehicle loan or lease

On XX/XX/XXXX, I discovered that the title on my truck still had a lien against it since XX/XX/XXXX. I asked the Texas Department of Motor Vehicles for a number to call. The number they gave me was XXXX XXXX. XXXX told me they had no records or information on my vehicle. They then gave me the number for ALLY FINANCIAL XXXX. I called and spoke to XXXX ( no ID # available ) and explained that I needed a clear title to my car. She said she could mail one that I would receive in 3-5 days. I told her this was unacceptable because I was in financial need and needed my title asap. I requested the information be XXXX to me overnight. She said she would. The next day XX/XX/XXXX, I called to get the tracking number so I could check on the delivery time. I spoke with XXXX ( id # XXXX ) and went through the same explaination. She told me she was going to open a case, apparently there was no record of the call I made on XX/XX/XXXX, the case # is XXXX. She would then need to get approval from her supervisor then the title would be sent to me by XXXX and I would get the information in 24-48 hours. I called again the next day, XX/XX/XXXX, and spoke to XXXX ( id # XXXX ). She was not able to help in any way and I asked to speak to her supervisor, who is XXXX ( id # XXXX ). It was after speaking to XXXX that I found out what the problem was, the Title Department at ALLY FINANCIAL, no longer had the title to my truck. The best that could be done was a I could be sent a release letter that I would then need to take to the Texas Department of Motor Vehicles before I could get a clear title to my truck. She also informed me a release letter had been sent by US mail and I would receive it in 3-5 days. I have already told everyone I have spoken to that 3-5 days is unacceptable since my truck was paid off sometime in XX/XX/XXXX and that the title to my truck should have been clear for the last 14 years. Somebody somewhere made a mistake. XXXX told me she would call me on XX/XX/XXXX to give me the tracking number. I asked what time to expect the call. She then told the office would be open from XXXX EST to XXXX and because of the volume of incoming calls she couldn't give me a time to expect her call. I live in a CST State. So I am still in the same spot I was in 3 days ago. I have no other way to solve my financial difficulties, I am currently unemployed and trying to find a second job so I can take of myself. I wrote this complaint because I feel I have no other recourse. ALLY FINANCIAL must be a very corrupt organization. They are being held responsible for {$80.00} XXXX to be repaid to minorities for charging them higher interest rates on auto loans, in addition to an {$18.00} XXXX  fine. At this moment I don't know what will happen to me or whether or not I will get the information in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX account 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. In the year XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. doing business as XXXX XXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. In the year XXXX, XXXX XXXX XXXX XXXX doing business as XXXX XXXXXXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX creating a total of 11 derogatory remarks on XXXX, XXXX and XXXX. 

XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX has committed XXXX violations. 

The account with XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX. doing business as XXXX XXXX was opened under a consumer credit transaction utilizing my open- end consumer credit plan. Additionally, the account has incurred late payments which is should not have pursuant to 15 United States Code 16666 ( b ) The statement includes a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S.C. 1666 ( b ).

After realising that the " coupon '' ( COUPON being a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose that they may be separated from the bonds and other instruments to which they are usually attached to ) attached to the aforementioned statement is indeed a form of payment, pursuant to 18 U.S.C. 8, BILLS AND COUPONS are examples of obligation or other security of the United States and pursuant to 15 U.S. Code 1666 ( d ). 

XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX furnished deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8 and in accordance with 15 USC 1692j. 

XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX has committed racketeering and extortion through interstate commerce as described in 18 U.S.C. 1961. 

XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX has restricted my account using false allegations violating 15 USC 1666A - no adverse action against me. 

15 USC 1666B- not given full disclosure 15 USC 1666D treatment credit as balance ( B ) refers to any part of the amount 15 USC 1602g : XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX alleges to be original and current creditor 15 USC 1692e : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX alleges to be the original and current creditor,
Product: Checking or savings account

There was an authorized withdrawal of all my available funds from both my Chase checking and savings accounts.The perpetrator also used my debit card to purchase an XXXX train ticket to XXXX XXXX XXXX and also used it for a Cab ride in XXXX. I called the bank to question the transaction and was told I was responsible for it and it can not be reversed. I was charged multiple insufficient fund fees as a result of this fraudulant transaction. I believe the bank failed to exercise deligence with protecting my account. No notification was sent when the account was emptied. I had to find that out on my own.
Product: Credit card or prepaid card

In  XXXX   XXXX  I applied and was approved for a  XXXX   XXXX   MasterCard Credit Card Account administered by Barclays Bank Delaware ( Barclaycard ).  I was charged and paid a {$99.00} annual fee for the card and its benefits which include a 50 % savings on inflight purchases. Those savings are described in the  Business Card Agreement as : " Cardmembers in good standing will qualify for a 50 % savings on eligible inflight purchases. Eligible purchases include the in flight purchase of cocktails, beer, wine, meals, and  XXXX  movies ( not  XXXX  ) on  XXXX -operated flights when purchased on their Account. Savings do not apply to any other inflight purchases, such as wireless internet access, or duty free. This offer is available on eligible flights as long as supplies last. This savings will appear as an Account statement cred it 4-6 wee ks after the transaction is posted to the cardmember 's Account. '' [ sic ] My account is in good standing ( I do not carry a balance but instead pay my bill in full every month ).     I made two qualifying onboard purchases with this card. Those purchases appear on the statement that closed on  XXXX   XXXX ,  XXXX , with the description "  XXXX  BUY ON BOARD. '' Those purchases were billed in full and no credit was provided. I paid the bill in full.     More th an 6 weeks have passed since those transactions were posted to my account and I still have  not received a statement credit.     I have attempted to resolve this issue within the  XXXX   Business Card cu stomer service system on numerous occasions. I have called the number on the back of my card and sent many messages through the cardmember website. I have not received either a resolution or an explanation. The telephone customer service representatives are unable to explain why I have not received the statement credit, and the only response I receive to the online messages is to call the customer service representatives.
Product: Credit reporting or other personal consumer reports

Equifax on XX/XX/2025 you received my Complaint. See CFPB case number XXXX regarding inaccurate and incomplete information on my consumer that you replied Verified/Accurate. The account that you responded verified XXXX XXXX XXXX to still has inaccurate and incomplete information. 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By law you are obligated to report accurate information, you are also supposed to notify me not later than 5 business days after the completion of the re-investigation by mail BUT you did not?! ( 6 ) Notice of results of re-investigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a re-investigation under this subsection not later than 5 business days after the completion of the re-investigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the re-investigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the re-investigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am here. By requesting in good faith pursuant rule 1002 a description of the procedure used to determine the accuracy and completeness of the information used in verifying this account as accurate.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or omit these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

SPS mortgage and I entered into a repayment plan. I have made on time payments for XXXX  months but they continue to report the payments as late. They say they will after the fact correct after the debt is paid in full. The dont not report the [ payments as being current the issue is with SPS not the credit agency
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acct # 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
Product: Credit reporting or other personal consumer reports

I am seeking your assistance with an incorrect account appearing on my credit report. This issue is harming my XXXX, and I need your support to resolve it. The bureau must update and remove the inaccurate reporting as it has been causing undue harm to my credit standing.
Product: Credit card

My son and I bought a computer from best buy. We opend a credit card account with them to get this computer. There was a promotion going on and we was able to get this computer. 

My son started paying monthly on this computer. Even though the minimal payment was about XXXX dollars he was paying XXXX a month well over the amout needed to pay the computer off earlier. 

By the time we found out the promotion was over I had a talk with a representative and they explained how much I had left to pay the computer. They said if we paid XXXX on the bill then the bill for the computer would be done. 

My son paid XXXX before the promotion was even over. Then after he continued to pay past the amout of the interest fee and they continued to gouge him. 

I feel like they are double charging for this computer. And we should get our money back for the over payment.
Product: Credit reporting or other personal consumer reports

XXXX has been sending statements to wrong address since the loan exited forbearance in XX/XX/XXXX. I brought this issue to their attention on or around XXXX XX/XX/XXXX in CFPB Complaint XXXX. Moreover, I have tried to resolve this issue with data furnisher in prior instances because it has happened on other occasions over the past three ( 3 ) years. Each time data furnisher 's system randomly changes to a different address that I do not currently reside at when a single piece of mail may be accidentally returned or lost by USPS. Data furniser then resorts to skip- tracing WITHOUT verifying the accuracy of the addresses they use. When a piece of mail sent to that address returns, their system then randomly selects another address using skip-tracing, without verifying accuracy, resulting in a cascading effect even after the address is corrected by me. I have asked for XXXX to place this loan into an administrative forbearance and each time I've asked in phone conversation or in e-mail correspondence the request has been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year.. I need this problem fixed asap i will not wait another 45 days to receive no response because clearly yall disregarding me. I still haven't heard back from XXXX, XXXX, and Equifax.