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

I consistenly monitor my credit reports from all three bureaus, and I am highly frustrated and disappointed with the information that XXXX is reporting to these bureaus. 

They main problem is every other month, XXXX says, " we are reporting your information accurately '', then I check with the bureaus ; Equifax as an example : shows that the account has been closed as of XX/XX/2018 or a month before. They also show no payment history from XX/XX/2018 back to the beginning of this loan. 

I have no payment history showing for any years previous to XXXX and XX/XX/2018. 
I have a problem with that because XXXX has collected my mortgage payment for years and they onlly show two months mortgage payment of XX/XX/2018. 

The other sad thing is, I have filed several complaints with the CFPB and you all have just stood by idlely and allowed this company to continue to practice these deceitful practices. 

They should be held accountable!!! I have no words even for the purpose of filing this complaint. You constantly just forward the complaint and you don't get involved with the process legally. LOOK AT MY INDIVIDUAL CASE AND SEE HOW LONG THEY HAVE VIOLATED MY RIGHTS ( that CFPB is supposedly overseeing ). This is a joke There is clearly a problem with my mortgage company, their third party reporting agencies and the credit bureaus reporting my mortgage information accurately without closing my mortgage account every other month. 

Who does that? I make a payment and they close my account when they try to report it????? "? 

This has taken a toll on my credit score and report to where I am unable to procure, refinance my loan because the account is " CLOSED WITH NO HISTORY ''. 

I am desperately imporing that you take a closer look at my mortgage company, who they have reporting my payments or all 3 of the credit reporting bureaus and their third party reporting entities and how they procure/verify that information. 

I NEED INTERVENTION NOW!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 311 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possibile. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with the credit bureaus to remove inaccurate addresses that are listed on my credit reports, to date, to no avail. I have also requested that all also known as or alises be deleted and the bureaus have not deleted the inaccuracies. The following items should be deleted immediately on all 3 of my bureau reports : 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 All Previous employment history should be DELETED DELETE : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I observed inaccurate informations that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and its presence is significantly impacting my life. I kindly request your assistance in addressing this matter.
Product: Credit reporting or other personal consumer reports

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX You are reporting information about me which is inaccurate. This account has not been properly verified. 



XXXX credit bureau DELETE THIS ACCOUNT because they were unable to properly verify it. I'm confused why you are still reporting this account and you have access to the same information the other credit bureaus do? Please DELETE this account XXXX  XXXX XXXX from my report immediately for failing to comply with FCRA. 
THANK YOU FOR YOU TIME
Product: Debt collection

I'm unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the certified mail receipt with my signature.
Product: Credit card

I received this email to one of my email addresses. Since I believe all messages should be read only in the Bank of America website, I considered it as a fraud. The logo of Bank of America and 'lock, ' which has the same image of envelop with key and clip on the top of the print out/scan are disappeared.
Product: Student loan

Navient 's deceptive practices relating to forbearance and IBR re-certification has directly caused over {$40000.00} to be added to my principle balance. Additionally, Navient has refused to provide any information or viable justification for its actions.
Product: Credit reporting or other personal consumer reports

I received emails in the past couple of weeks, in XX/XX/year>, about 3 unauthorized hard inquiries made within this month, XX/XX/year>, added to my credit report recently as well as emails from a place called " XXXX XXXX '' about refinancing my car loan. I did NOT authorize any hard inquiries in 2025, and I was never interested in refinancing my car loan. I tried to contact " auto approve '' to tell them that whatever information they received, I would like deleted and withdrawn. They deflected and said I would need to speak to someone else later. I am looking to get these 3 recent hard inquiries removed from my credit report asap because they are unauthorized inquiries. I did not authorize any of those 3 companies to run my credit. I did not authorize any company to run my credit in 2025.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, 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 a account without my written instructions
Product: Debt collection

Jefferson Capital Systems has taken my nonpublic personal information and unlawfully trafficked libelous information to unaffiliated third parties without my prior authorization or consent. The lack of safeguarding and providing disclosures as it pertains to use, and trafficking of my nonpublic personal information is in violation of the Gramm Leach Bliley Act. I do not own this debt and refuse to make any payment ( s ) in connection with the alleged debt. The information is not information relating to any transaction by me. Jefferson Capital does not have permission, consent, nor permissible purpose to obtain, use or traffic my nonpublic personal information. Jefferson Capital is blocking me from having a fair and accurate credit file and has ruined my credibility and reputation. Jefferson Capital has violated various consumer rights, FCRA and FDCPA laws in order to coerce unlawful payment ( s ) from me using oppressive and deceptive tactics for its own financial gain.
Product: Checking or savings account

Chime Bank which is insured by XXXX XXXX XXXX suspended my account without providing any reason. My entire account balance is now inaccessible. When trying to communicate with Chime 's customer support through their phone line, they refuse to provide any information about the issue or how it can be solved. When trying to communicate through email, they are non-responsive.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle for years and reporting discrepancies, my bank XXXX Zelle did not adequately investigate my claims. Zelle has neglected to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX You are in direct violation of the fair credit reporting act ( XXXX world finance XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you in direct violation of several laws under the fair act credit reporting act.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX CARD XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK N.A. XXXX XXXX BANK N.A. XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month for the past two years I contacted Equifax to ensure my credit information was correct. 

Every year I pull my credit report, and again during the year if denied credit for whatever reason. Every time I am denied or charged higher fees it is due to the falsely documented information provided by Equifax.
Since their multiple breeches I now call every two weeks or each time I get an alert on my credit monitoring account. 

I immediately informed them that my addresses were incorrect. I told the agent what my correct information was and she intentionally typed a combination of addresses on my report and submitted it as my current address. When I heard her repeat misinformation I corrected her again and she in turn tried to hurry me off the phone. 

I called back to complain about what happened it appeared same woman got on the phone posing as a supervisor. My addresses were never corrected and they refuse to do so. They stated the info comes from creditor reporting but that is false for no creditor has a record of my addresses being what Equifax intentionally submitted. 

I just spoke with them again this past Tuesday to resolve the matter and once again they refused. I informed them it is illegal to falsify an individual 's credit information and even worse when a credit bureau worker is the one doing the false documentation. I also informed them that I will be reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent account, XXXX XXXX XXXX ,XX/XX/XXXX2010, XXXX $
Product: Debt collection

Puget Sounds Collect has been reporting 2 collections on my credit file that they do not belong to me. I requested via certified mail validations of the debt with a specific requirements which they did not meet and in response all they send was a letter with a bill in a positive balance and a copy of what it seems to be a bill with a positive balance from a medical facility which is clearly a violation of the HIPPA Law, I also send them a letter certified mail to stop harassing me or cease and desist and they continue to report the 2 collections accounts on my credit file, I noticed they are violating federal laws 15usc1692b ( 5 ) and 1692f ( 8 ) by sending me mail with their company logos and balances stating they attempting to collect a debt which is another federal violation 15usc1692b ( 2 ). they are currently sharing my information illegally by reporting it to the CRA 's because, I never gave consent for any of my personal information to be shared nor this ALLGED debt belongs to me. The amount of the alleged debts are {$740.00} and {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Removal of Incorrect Collection Account from TransUnion under 15 USC 1681 Dear CFPB, I am writing to formally request the removal of an inaccurate collection account from my credit report, specifically with TransUnion. The collection account in question is associated with XXXX XXXX XXXX XXXX XXXX XXXX, and I can confidently assert that this account does not belong to me. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, consumers are granted the right to dispute and request the removal of any erroneous or inaccurate information from their credit reports. As such, I kindly request your assistance in addressing this matter promptly. 

The reasons for my request are as follows : 1. Lack of Ownership : I have conducted a thorough review of my financial records and found no evidence of any dealings or transactions with XXXX XXXX XXXX XXXX XXXX XXXX. As a result, it is clear that this collection account does not pertain to me. 

2. Absence of Verification : In accordance with the FCRA, I have the right to request validation of the debt. However, I have not received any communication from XXXX XXXX XXXX XXXXXXXX XXXX XXXX providing proof of the debt 's validity or any supporting documentation. 

3. Documentation : I have attached copies of my TransUnion credit report to this request, highlighting the presence of the inaccurate collection account associated with XXXX XXXX XXXX XXXX XXXX XXXX. 

Given the aforementioned grounds, I kindly request that you conduct a thorough investigation into this matter as per your authority under the FCRA. I request the immediate removal of the collection account from my TransUnion credit report, as its presence is unjustly impacting my creditworthiness and overall financial standing. Additionally, I would appreciate confirmation of the removal once the investigation is concluded. 

I am confident that with your intervention, this issue can be resolved in a fair and timely manner. I sincerely appreciate your attention to this matter and anticipate a prompt response. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

American credit Acceptance reporting in Accurate lates payment U.S.C. 15 code 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX
Product: Student loan

I am a senior citizen from XXXX. I got a student loan at the XXXX University XXXX in XXXX XXXXXXXX My only income is Social Security. I had been asking for forgiveness for the loan. For the last years, I had XXXX XXXX a wife with XXXX and no jobs available in XXXX. The U.S Department of Education prequalified me for forgiveness. And told me some papers were in the mail to be sent to them. But Navient the loan server asked me to start paying $ XXXX month. Then they placed me on the credit bureau, but I challenged them and it was deleted. 
The loan was for {$38000.00} approx. Navient says now that is {$58000.00} principal. And they had added about {$70000.00} in interest only. With my Social Security there is no way I could pay this amount until my death. My wife and I are married under a legal prenuptial agreement. We have separate accounts. I do not own any assets such as real-estate. 
Recently I lost a home which was given to me by my parent 's will. The bank made a foreclosure. Our home belongs to my wife, she got it before our marriage. It is my understanding that the feds. could not garnish Social Security deposits. 
Please help to find and honorable forgiveness, I got a XXXX XXXX and a XXXX was placed in my XXXX. I worked years ago with the XXXX but did not accrue retirement benefits. 
Please have mercy on my situation. XXXX Bless You? 
XXXX
Product: Vehicle loan or lease

I began questioning the financial company XXXX XXXX XXXX XXXX XXXX ) last XXXX. They said they would investigate and get back with me. They never did and I have had numerous medical issues and surgeries, so I wasn't able to keep on top of it. 

In XXXX, I requested a copy of the loan contract and received a contract with numbers that I didn't sign for. This included a loan amount that wasn't what we asked for and no sign of our down payments ; all these numbers were clearly stated on the credit app. Also, it was not signed and when I questioned this, they said that it didn't matter if it wasn't signed. 

Last week, I asked them to furnish my entire file and they responded that they weren't required to do this. The only things that they have given to me was the payment history, the loan contract ( 1st unsigned and than all of a sudden signed with transposed signatures from the credit app ) and a Bill of Sale ( that we never received from the dealership, with numbers that don't add up either ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX is shown as a closed acct paid in full when it should have been removed off report as I was told and is showing late payments on report
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my annual credit report I noticed a hard inquire that I never approved from Bank of America on XX/XX/2016. I attempted to reach creditor and was unable to.
Product: Debt collection

Systems & Services Technologies Inc ( SST ) took my debt over when the company XXXX went under. XXXX XXXX ( days after the balance was transferred ) called SST and asked to pay my account in full the representative informed me to go to their website and pay via the homepage and once I paid the amount shown my account would be paid in full and closed. I did so. End of XXXX I received email and text notifications that my payment was due. I called SST confused why I owed money and was told interest had incurred since my XXXX payment because I was supposed to follow this roundabout hidden way to pay in full to officially close the account that was not the same process I was told to follow. Because I was misguided a manager offered me a 25 % discount on the interest wrongly incurred and said she would close the account that day. I requested an email confirmation that the account would be closed and was informed I would receive on in 5-10 business days. XXXX XXXX I received more email and text notifications that my payment was due. Again I called and was informed that I had a balance of {$25.00} which was {$1.00} over the {$24.00} minimum threshold to close the account with a balance. I explained the previous events. They said they would escalate it to process for account closure so I asked for email confirmation and a claim number to confirm the escalation. I was told I would receive an email in 16-20 business days with that information. Every time I call I owe a new amount because of some new " mistake '' on their end that they can never solve over the phone and they repeatedly refuse to close my account despite it being paid in full the first time.
Product: Debt collection

A company called Frost-Arnett Co keeps calling me every day from a new number. They have called me from 15 different numbers and no messages. They even have called numbers that are on my phone plan. It's harassing at this point. They leave no voicemails either. Please tell them to stop calling me and any number that they have associated with me. I have no idea why they are calling and as I previously stated, they have left no reason for their call.
Product: Mortgage

On XXXX XXXX, XXXX we were served a notice of default with XXXX, XXXX XXXX XXXX. We were put through a modification and on XXXX XXXX, XXXX we were Approved for a loan modification and they set up XXXX trial payments. After making the first payment our loan was transferred to XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX servicing. We made all three trial payment XXXX XXXX, we kept on top of the sale date with their appointed attorney, and they continued to let us know there is no sale date everything is still on hold while we complete our modification. We spoke to XXXX XXXX XXXX bank when we made our XXXX payment on XXXX XXXX, XXXX They said everything looked good and they were sending out the paper work for the permanent modification and that had to be notarized. XXXX on XXXX XXXX, we received a notice of Acquired XXXX. Come to find out XXXX XXXX on our home, with no sale date, after successfully completing our trial payments the day after we gave them our XXXX XXXX payment. We were scammed out of our home. They gave us no notice of denial of modification, no sale date was posted to the door, no notice!!!!! We did everything on our end on time. They are liars and should be held accountable for their actions, this is dual tracking and is illegal in the state of California. We will be contacting an attorney as well.
Product: Credit reporting or other personal consumer reports

American Express ( ( AX ) sent a billing error which I challenged. They investigated while giving me new cards. Eventually they cancelled all my accounts, took my award points, and filed negative credit information on my credit report. 
Later AX filed a legal complaint against me. I hired a lawyer and filed a response. Perhaps upon realizing their mistakes in the investigation AX dismissed the complaint. 
But AX has not returned my award points, fixed my credit with the credit reporting agencies, nor refunded my legal expenses.
Product: Debt collection

Constant phone calls and messages left by Premier Portfolio group to my phone, my wife 's phone and my XXXX young sons. They claim I have an unpaid debt from a payday loan or some nonsense. They threaten to call my employer, take legal action, etc .... 
I 've asked they stop many times. Today I received a call from a young lady named XXXX. Phone number called from XXXX. Callback number was XXXX. I called back because I need these calls to stop and XXXX hung up on me when I said I would report them to the FTC. I called back and said it was unprofessional to hang up on me and asked if the calls would stop. She said that she was n't going to argue with me and she would mark my file. I asked for her full name and she hung up on me again.