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

Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I  humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof. 
Also please if possible CFPB I'm unable to send this complaint to all 3 credit bureaus can this also along with my attachments be forward to XXXX and XXXX, I was only able to add 2 additional companies so I also sent this complaint to XXXX XXXX and TransUnion.thankyou in advance CFPB for your help with this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX file number XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have 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 1681-2 ( 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 accurate.
Product: Credit reporting or other personal consumer reports

Experian has a new credit report for today XX/XX/2025. I have bankruptcy that was discharged in XX/XX/2025. Experian reported 8 new accounts that have are delinquent and show that my last delinquent account is month. After searching through the full report every account I have is accounted for and is reporting correctly. I am unsure as to where these new delinquent accounts have come from.
Product: Debt collection

My employer received a fake subpoena from Mullooly, Jeffrey, Rooney, & Flynn XXXX issued supposedly by the XXXX New York XXXX XXXX XXXX, disclosing my personal information, the creditor 's name and amount that is owed to the creditor. I do not find it fair that this notification came to my place of work. Many things could have happened like losing my job and embarrassment with my co-workers when they find out of this fake subpoena.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I've repeatedly told Citi Bank that I was a victim of identity theft, I've sent them all the required documentation including a police report, FTC report and Affidavit and declaration of unauthorized use. They are violating my rights according to the FCRA, they should be blocking this account from reflecting on my credit report. This is affecting my job, and other aspects of my life.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to seek your assistance with an ongoing issue I am experiencing with XXXX, Equifax XXXX XXXX. Despite my efforts to initiate an investigation into certain items on my credit report, the bureau has repeatedly claimed that I am not the individual requesting this information. As a result, they have failed to take any action on my request. 

I have provided all necessary information and have verified my identity multiple times to the credit bureau, yet they continue to deny my request. This situation is incredibly frustrating and has significant implications for my financial well-being. 

I kindly request that the CFPB hold XXXX, Equifax XXXX XXXX accountable for their lack of action and ensure that my investigation proceeds without further delay. It is essential that my rights as a consumer are upheld, and I believe your intervention is necessary to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Student loan

I have called Navient numerous times to see if they could help lower my monthly pavements and the say they ca n't even though my family has grown and has medical bills making it hard to pay my full monthly payment.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why. I checked as I usually do, but this time, there were unexpected discrepancies. Despite refreshing my browser, the issue remained. I am extremely frustrated and request a thorough review of the documents I've submitted so I can have peace of mind.
Product: Checking or savings account

Today after spoke XXXX XXXX ( claims representative ) who refused to provide his ID #. Advised me that i will have to resolve the claim on my own because they have decided to closed the case bec Well Fargo felt that was my fault for not stooping the payment. I told him that i have a text message with a confirmation that my payment was confirmed and modify on XXXX XXXX 3 days before the transactions hit my account. Representative " XXXX " wanted to take over the conversation and continue talking and did not let me speak then after we both agreed to conferance a call with XXXX to confirmed my claim and while i was waiting for XXXX to conference call. The representative put me on hold and " disclosed my personal information without my consent which is a VIOLATION of my provacy right " instead of waiting for me to OK. and gave my info. We got on the phone the three of us and yes XXXX representative confirmed that the error was done on " XXXX part " they will do what they need to do to reverse the transaction and possible credit my account. 


This statatement contradics everything what Wells fargo said to me I was told that my claim was declined because XXXX was their right to collect a payment for {$130.00} ( NOT TRUE ). I believe my bank rejected a VALID claim to prefit from NSF fees and other added fees. 

2- Rep should never release any personal information without my consent a violation of my privacy rights. 

3- well Fargo still with same issues and with HUGE custumer services reps that dont know how to handle issues and or call resolutions
Product: Debt collection

XXXX $ was taken out of a joint account that i am the primary of for the other persons debt. In the pandemic every dollar is spoken for. I had bills already arranged and they took my money without warning which put my account negative when bills tried to process with no money left. When i called they couldnt tell me why they took my money as it was not my debt but refused to give me my money back. I reached out several times and spoke to different departments with the same answer that they could because it was a joint account. I never authorized them to take my money for someone elses debt. I just want my money back, returned check fees waived so I can close my account and be done with them. They have caused me and my family hardship during a PANDEMIC!!! Horrible company, they should be ashamed! 

Yes its Navy Federal Credit Union
Product: Vehicle loan or lease

Dear Sir or Madam, I finally received the Car title from Hyundai Motor Finance 2 days ago with your help. I really appreciate that. 
However, I have meet another issue with transfer the ownership at Tag office at Georgia. 
The officer who worked at Tag office at XXXX GA, XXXX told me that I need to pay the penalty followed the rule. 
Hyundai motors finance sent me the bill of sales and title filled out, but the sales date filled out as XX/XX/22 on the tile and bill of sales. That was the reason. 
So i called Hyundai Motor Finance and tell this issue, they told me that they don't responsibility for that penalty. 
I didn't expected that answer, I waited XXXX  months for getting this title. I keep missing the chance to selling my car and wasted time. 
I have attached documents what I received from tag office and Hyundai Motor Finance. 
Also you can see the complaint id as XXXX for previous issue. 
I really want to finish the argueing with this company.
Product: Debt collection

Rent Recovery Solutions Disputing a collection amount of {$160.00}, original lender is the XXXXXXXX XXXX XXXX XXXX  The Collection agency is Rent Recovery Solutions. 
Disputed charges with XXXX on XX/XX/XXXX and called Rent Recovery Solutions and XXXX XXXX XXXXXXXX XXXX. 

The XXXX XXXX XXXX XXXX told me that they would call the Collection agency to get the account removed since I never lived at the location.
Product: Credit card or prepaid card

I signed up for a BlockFi credit card with cryptocurrency rewards program in XX/XX/XXXX. They initially offered a very high reward interest rate of 6 % for up to XXXX XXXX as shown here : XXXX XXXX XXXXXXXX Over time, they continued to lower the reward interest rate and the amounts, with the latest rate change being shown here : XXXX XXXX XXXX XXXX appears that this credit card and rewards program is part of an elaborate Ponzi scheme where BlockFi offered high interest rewards in order to acquire real assets and liquidity. They then freely chose to spend and use customer 's assets for their own risk and benefit. 

While this was described as a custodial account service that I maintained ownership to, funds in my BlockFi deposit address ( XXXX ) began transferring out without my consent on XXXX as shown here : XXXX XXXX  XXXX It is unknown who is in control of this address and the other addresses where my assets continued to transfer to, but this address is currently empty : XXXX On XX/XX/XXXX, XXXX XXXX XXXX XXXX of BlockFi, assured customers in a long XXXX thread that all BlockFi products were fully operational and that they were an independent business entity, stating they have a $ XXXX line of credit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and will remain an independent entity until at least XX/XX/XXXX. 
XXXX XXXX XXXXXXXX On XX/XX/XXXX, BlockFi posted the following status stating they were limiting platform activity due to lack of clarity with XXXX XXXX XXXX : XXXX On XX/XX/XXXX, I received multiple communications from BlockFi stating my credit card was deactivated and that I was still responsible for payments. The card had been declining for about a week prior due to non-sufficient funds errors, while having sufficient funds. It is my belief that they began deactivating card services prior to any public announcement about XXXX and also lied to customer 's on XXXX in hopes to keep as many funds on their exchange as possible. 

It is my further belief that cryptocurrencies paid for rewards may have been obtained illegally and actually paid out with customer 's assets. The sources of all rewards payouts needs to be investigated by blockchain analysts. Where these assets came from and where they all moved is very easy to determine and all recorded on the blockchains involved. 

Additionally, due to BlockFi suspending and limiting activity, no cryptocurrency assets from the rewards program are currently accessible. It is my belief that the entire program was setup to operate an elaborate Ponzi scheme where BlockFi freely chose to operate on a fractional reserve system. No assets they used and stole were backed with like cryptocurrency.
Product: Vehicle loan or lease

I co signed a car loan in XXXX. In XXXX, the person who was primary was arrested for drug charges and went to jail ; car was seized by the police dept and sold at auction. Remaining balance then came to me bc the origina ldebtor was in jail. I am not sure if they sued me or what happened, but my old lady friend who is now XXXX called Globe Acceptance ( mind you she isnt on the account and not related to me ) and she worked out $ XXXX payment plan. I started making payments in XXXX and have paid monthly until XXXX XXXX. In XXXX XXXX, I found out that they werent reporting to my credit on payments made and had as written off/bad debt. So i stopped the payments since it was bad debt and they original agreement for payback wasnt even between myself and the company, it was arranged by a 3rd party who wasnt asked or involved. Then they called me and the guy was super nasty mean of the phone saying they had jusdgement against me and they were going to garnish my business and take everything i had. I checked my credit and come to find out they reported me for not paying on my debt when they hadnt been reporting i was paying them. So it lowered my score even more. In the meantime, my office manager filed a dispute and asked for 6 months of payments back and we cancelled the card the automatic payment was being taken out on. Today, I called Globe Acceptance and they said {$1800.00} was refunded to my account. So i went to the bank and they told me no money had been credited to my account.They told me Globe tried to take a payment and it was denied. They reported no attempts to deposit money back to the card. So i called Globe Acceptance back and they told me that my bank, XXXX XXXX, had accepted the funds and they had my money. I went back to the bank again, again they reassurred me they dont have the money. I called Globe acceptance and they will not produce any receipt that XXXX received the funds but say it is my problem and now they added {$1800.00} back onto the original debt. Pus mind you, it is still on my credit as charged off-bad debt even though i have been paying for 4 years. XXXX XXXX insists they dont have the money and they wont produce any paperwork stating they dont have the funds. So i have paid {$1800.00} and someone has it - the bank or Globe and i am going to have to pay it all over again. I need help. They have never even went after the original loan holder, only me. It is not fair and now they are XXXX me out of {$1800.00} I dont have
Product: Credit reporting, credit repair services, or other personal consumer reports

During my time of XXXX, my identity was exploited and accounts were deceitfully opened in my name causing considerable turmoil and difficulties upon my release. The accounts are as follows : XXXX XXXX XXXX XXXX opened XX/XX/XXXX  - Acct number XXXX XXXX XXXX XXXX XXXX opened XX/XX/ - Acct number XXXX XXXX XXXX XXXX XXXX opened XX/XX/2019 - Acct number XXXX Even after my release my credit was still being compromised. I have disputed this with the bureaus and the creditor and I've yet to get any satisfactory results.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received my settlement check from the Equifax XXXX XXXX XXXX. I initiated XXXX separate conversations with the XXXX at XXXX between XXXX and XXXX of XXXX, and each time I received either no response at all or a form response asking me to provide information that I had already provided. I responded to every email I received from ... XXXX  and provided all of the information that was requested, even when they simply sent me the same form several times in a row, but I never received confirmation that any correction had been made and I have still not received my settlement check. Equifax has not responded to any messages at all since XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX account # 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, 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 XXXX  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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$XXXX} ; XXXX XXXX XXXX XXXX Balance : {$XXXX} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX, and XXXX, who are handling my debt on behalf of American Express. I have reached out to both American Express, who directed me to XXXX. I contacted them to attempt to explain my financial hardship and attempt to resolve my account, where they directed me to the attorney XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX ) provided a phone number and email for XXXX XXXX XXXX email XXXX. I spent the next month attempting to contact him, made numerous call, left multiple voicemails and sent several emails. Despite my repeated attempts to contact him by phone and email, I have not received any response. 
XXXX XXXX to nowhere and lack of communication has left me unable to address or discuss my debt with anybody that may be able to assist me in a resolution. 
On XX/XX/2024, I sent an email to attorneys XXXX XXXX at XXXX XXXX XXXX who is the attorney in the matter explaining my financial hardship due to unemployment and health issues, detailing my total debt of over {$40000.00}, and offering a lump-sum settlement of {$4600.00} for the American Express debt . I emphasized my efforts to avoid bankruptcy and my desire to settle the debt, but despite providing this detailed explanation and offer, I have not received any response.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Mortgage

My wife is XXXX from having a XXXX a few years ago, We will always have ongoing medical expenses that are not covered by health insurance for her care and that has caused us to be deliquient on our mortgage. We 've submitted financials and several modification requests to American Servicing to modifiy our mortgage. Customer service has been rude and uncooperative and refuse to modify our mortgage. We recently resubmitted our modification request again. Please help, we do n't want to loose our home.
Product: Credit reporting or other personal consumer reports

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 

XXXX. XXXX XXXX : My main contact number is : XXXX XXXX XXXX. I would like this number to be updated. 

XXXX. Date of Birth : XX/XX/year> : ( XX/XX/year> ) XXXX. Employer : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureau over 11 times for the last 6 years to have this information removed, provided police reports statement and no assistance. 

Contacted both credit bureau and companies reporting the accounts and nothing has been done in 6 years to fix this issue after providing documents both companies requested. 

XXXX XXXX XXXX, XXXX XXXX {$2500.00} original balance {$33000.00} ( I do not have an account number ) this is fraud account Date opened XX/XX/2016 XXXX XXXX XXXX XXXX Balance {$2000.00} ( I do not have an account number ) this is fraud account Date opened XXXX XXXX Discover bank Balance {$1000.00} ( I do not have an account number ) this is fraud account Date opened XX/XX/2016 2016