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

Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter 30 from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and XXXX is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to XXXX. XXXX reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as XXXX took over the account XX/XX/XXXX. With interest, XXXX is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, XXXX, XXXX  and Transunion. They have all refused to remove this account from my credit reports. They can not be requiring XXXX to prove the {$30000.00} in loan as XXXX can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have XXXX provide copies of loan contracts that I signed both to me and to the credit bureaus. XXXX has not provided me with one lender signed loan contract. I am requesting that you mandate XXXX correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If XXXX can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my XXXX account as a straight principle payment. XXXX, with XXXX stated today ( XX/XX/XXXX ) on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXXL XXXX XXXX  account # 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: Debt collection

Review of credit monitor service indi cates thon  on  XXXX / XXXX / 017   BUR MED RECON  placed  XXXX  medical accounts in collection. I 've received no notification from the collector by mail, email or phone. I do not recognize any of the items listed below. Because of the age of these accounts.     Collection item  # 1 1 ) Original Lender : Medical 2 ) Acct # :   XXXX   3 ) Age of acct : 42 Months 4 ) Highest Balance : {$200.00} 5 ) Amount Past Due : Not reported Collection item # 2 1 ) Original Lender : Medical 2 ) Acct # :  XXXX  3 ) Age of acct : 41 Months 4 ) Highest Balance : {$85.00} 5 ) Amount Past Due : Not reported Collection item # 3 1 ) Original Lender : Medical 2 ) Acct # :  XXXX  3 ) Age of acct : 31 Months 4 ) Highest Balance : {$99.00} 5 ) Amount Past Due : Not reported
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX To Whom It May Concern : I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on __XX/XX/19__________. It has been more than 30 days, and I have not received any proof that your company validated the debt. 
Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

I do not have knowledge of debt that is attempted to be collected. This does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXX Customer Data Breach ( Case XXXX ) I have been impacted by XXXX and XXXX XXXX XXXX, XXXX ID XXXX XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Sequim Asset Solutions accessed my credit report without my authorization and without any legitimate or permissible purpose. At no point did I initiate or consent to any financial relationship with Sequim Asset Solutions. Despite being provided with sufficient evidence, Sequim Asset Solutions failed to remove the fraudulent account from my credit file as required under FCRA. This unlawful access to my credit report, coupled with Sequim Asset Solutions failure to take corrective action, has caused significant harm to my financial standing, character, and ability to obtain credit. The derogatory marks stemming from this identity theft have severely impacted my credit score, creating unnecessary hardship.

I am seeking the CFPB 's intervention to investigate Sequim Asset Solutions for impermissible access to my credit report in violation of FCRA ; ensure that Sequim Asset Solutions immediately remove the fraudulent mark from my credit report and hold Sequim Asset Solutions accountable for failing to act in accordance with FCRA. I trust the CFPB will take swift and decisive action to rectify this matter. If Sequim Asset Solutions fails to comply with my request to resolve this issue, I will have no choice but to explore additional legal options to protect my rights and financial well-being.
Product: Credit reporting or other personal consumer reports

XXXX has a student loan listed on my account that was transferred to another lender. The loan that was with Aidvantage was transferred to XXXX. The loan was subsequently forgiven under the Public Student Loan Forgiveness Program. I filed a dispute with a statement that showed a XXXX balance on both loans. They still have the loan as open with Aidvantage. XXXX has it correct. XXXX doesn't have any of my student loans at all. The crazy thing is that XXXX has the loan listed twice with Aidvantage. Once as still being open with a {$25000.00} balance and once with a XXXX balance. I can't understand why they don't see that the account numbers are the same. I want this removed from my credit file immediately. The loan shows a XXXX balance with XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX, 2025, VyStar Credit Bureau reported a mortgage as over 120 days late when the mortgage had been paid in full and closed 1 year prior. 

This dropped by credit score by XXXX points, costing me a new home! 

They showed no empathy or concern in escalating the correction, stating, " it takes years to build good credit, but only seconds to destroy it. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Medicredit is saying that we owe {$110.00} dollars that was paid in full on XX/XX/XXXX, Reported to them on XX/XX/XXXX. The account number listed is for a different person. The original debt was for us. They are reporting it as open and still an outstanding balance. They have also agreed to remove the accounts and are now saying that it is not in their practice to remove any accounts. I have been told several stories as to what is going on in this account including it being paid and reported as paid in full to they sold it to another agency. Dispute was filed on XX/XX/XXXX and they have yet to respond to the dispute. On XX/XX/XXXX called to get receipts of items paid and to find out more about this talked to XXXX twice over at medicredit and was told 2 different things. They can see that I have paid it, but are unsure why it is still saying owed. Then the second time was that they sold the account and couldn't tell me to who. I am extremely concerned with their practices and feel this is unfair reporting since it was paid!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I have attempted for a week to put a security freeze on my Equifax credit reporting agency. I was able to put freezes on my credit reports easily by phone with XXXX  and XXXX. 
However, I have tried five times to call, and then attempted online but ran into numerous obstacles -- -it would not allow me to reset my password. I gave all my information on the phone and then it stated it could not resolve my request for a freeze on my credit report. 

This was after numerous emails back and forth to get a verificaton code, attempt to reset password. I attempted twice to put the security freeze on using telephone. 

I have now sent everything via mail and would like FTC to know so I can get my security freeze in a timely manner. this is ridiculous -- I want no more delays in this.
Product: Debt collection

I originally held a debt with XXXX XXXX XXXX about 3 years ago from the submission date of this complaint. I called to discuss with their customer service representative before the debt was sent to collections, and it was agreed that the debt was invalid. XXXX XXXX XXXX sent my debt to collections anyways to a company called XXXX XXXXy, if it was in error or out of spite I am not sure. I was able to successfully dispute that debt on my credit report on XX/XX/XXXX of XXXX and it was removed from my credit report promptly. It appears as though this debt was sold to I.C. Systems around XX/XX/XXXX. This was done without first notifying them that the debt was found invalid already on the part of XXXX XXXX, and they recently published another collection remark on my credit report for the same debt account. 

As far as I'm aware, it is illegal to duplicate a mark on someone's credit twice for the same debt account, regardless of if it's valid or invalid. This puts either I.C. Systems or XXXX XXXX at risk for litigation, as it goes against the Fair Credit Reporting Act and could potentially be considered harassment or an attempt to damage my credit in retaliation for successfully disputing it. Note, it has been disputed again, and found invalid on XX/XX/XXXX. This debt has been found invalid by each of the 3 credit reporting bureaus as well. 

I would like to have this matter dealt with and this debt dropped. It's an invalid debt stemming from either a clerical error or miscommunication on the part of a customer service representative. I would like to put an end to the harassment and attempts to damage my credit, and if possible I would like to see legal ramifications levied against XXXX XXXX for selling invalid debt to another collection agency, and against I.C. Systems for double reporting an invalid debt to a credit bureau. In addition, XXXX XXXX XXXX should be held liable for going against a verbal agreement and selling invalid debt to collections, but that is a matter for the collections companies to deal with and not me. 

I've done my duty of disputing this debt on multiple occasions through multiple companies. I have reached out directly to I.C. Systems to dispute the debt with them today as well. I think 3 years of weekly to daily calls and emails is more than enough to constitute harassment, not to mention they never leave a voicemail so it is impossible to identify the company or account and dispute it with them without calling and being harassed and told to pay up. 

Please put an end to this matter once and for all.
Product: Credit card or prepaid card

Contacted company in XX/XX/XXXX for credit limit increase and it was granted. I was granted {$4800.00} limit in XXXX and by XXXX my limit was decreased to {$2800.00} without notice. I contact the company to see why this was done and they stated that they can randomly do credit checks to decrease or increase limits. I advised them that I had the same income that I had when the increase was approved so what is the issue? I was told that they do random credit checks and felt my income did not suffice. I sent a letter to Cease and Desist on XX/XX/XXXX after I was told that it was after 30 days to go through the reconsideration line. Provided with the complaint will be my XXXX of XXXX in regards to this account. I explained that I never got any documentation of the reasoning on why this was done and they then sent me a letter XX/XX/XXXX after the account was changed and my initial call was placed to the company in regards to the change in XX/XX/XXXX. In my correspondence to the company regarding the violations of my consumer rights as a natural person with 5 notices of violations they sent me a letter reiterating my current balance ( balance at the time of {$690.00} ) as updated as of XX/XX/XXXX and updated payment history that I never was late on. They totally disregarded my request as a consumer after violating my rights. All my concerns were discussed in my Cease and Desist letter that were clearly ignored. I continue to receive statements electronically which yet shows another violation of my consumer rights. This information is my XXXX to cure after failure to comply with other request when documents were sent for resolution.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
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/year>
Product: Debt collection

This new complaint is additional information for XXXX I received a letter dated XX/XX/XXXX they provided billing from XXXX of XXXX the acct # XXXX XXXX XXXX XXXX XXXX XXXX They used my current address as the service address. which is incorrect, XXXX has never serviced XXXX area. This account in reference is a XXXX, Texas account I had back in XXXX that this company is attempting to collect on as they re-age this account from XXXX XXXX  was able to verify the equip as returned however the address was N/A XXXX was unable to provide from the date of install or first & last billing. 
If a bill was outstanding on said account it could only have occurred back in XXXX with again is a re-aged account as of current correspondence from Southwest Credit Systems
Product: Student loan

On XX/XX/XXXX I had contacted EdFinancial via customer service line to request a complete refund for all federal student loan payments I made between XX/XX/XXXX- XX/XX/XXXX due to financial hardship. The total for all loan payments I made between this period totaled {$4500.00}. The representative stated that to reinstate my loan and receive a refund for these payments, it would take a total of 150 days OR MORE to complete this request and an additional 10 days to receive a refund. I believe waiting nearly at minimum 5 months for a full refund of my federal student loan is completely unfair, especially when I am seeking refund of my loan payments due to financial hardship. To continue, I requested a confirmation email from the representative for record that the refund request has been made and it has been officially recorded EdFinancial 's system, to which the representative stated she could not provide me any type of confirmation and that I should just call back in a months time to get an update. I thought this was completely unfair considering I was put on hold for XXXX HOURS until I was able to speak to a representative about this.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of late payments on my credit report for the following accounts : XXXX  XXXX XXXX ( account XXXX reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and XXXX XXXX  XXXX accounts ( account # XXXX and XXXX, both reported on XX/XX/XXXX and XX/XX/XXXX ). These accounts are incorrectly marked as late, even though my payments were made on time, in compliance with the account terms. 

Under 15 USC 1666b and the FCRA, it is the creditor 's responsibility to ensure the accuracy of the information they report. I am requesting that you provide evidence to support these late payments, including account statements and any documentation showing I authorized this information to be reported. If such proof can not be provided, I expect the payment status to be promptly corrected to " on time '' to reflect my actual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since our loan was sold back in 2019 and since changed Servicers twice, we have had consistent score changes and ongoing " Remarks Added '' which also affects the scoring. 
Both Servicers I've been fighting in the 23 month period to properly report payment history and in one case remove excessive balance amounts. This has been an 23 month pursuit that has yet to yield TRUTHFUL reporting.

More recently Transunion has entered the huge score drop that in most cases the my score drops more than 100 points and for not valid reason, considering there are no negatives accounts or missed or late payments. Fact is the only flaws on my credit report is what two mortgage Servicers has reported and refuse to correct. Now in the past month, Transunion has been doing the huge score drop and but they have restored it once. But like clock work, it seems that if I either apply for refinancing or maybe they think I have my score takes a huge drop. Sometimes they even attach the drop to one of my other accounts that has never shown a negative or missed payment, so we know any small change like the account being added, which usually increases the score because I have a very few account on record. This is interesting especially being told that the credit bureaus are allowing third or other parties access to consumer credit reports. And explains why in our near 40 year mortgage history, the last 23 months has produced these problems. We've never had problems with the credit bureaus before the loan sold back in 2019.
Product: Credit reporting or other personal consumer reports

I have made several attempts to correct the error on my credit report with account XXXX XXXX XXXX XXXX. There is still a balance and that account has been paid off. 


Attached to this application proper documentation support my claim. 

This company is violating my rights. Please adjust.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with XXXX XXXX/XXXX/Experian regarding an fraudulent account being reported on my Credit reports. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for {$19000.00} .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from XXXX proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Debt collection

Rausch Sturm LLP ( company ) on XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a small claims case against me on XX/XX/XXXX with the XXXX XXXX XXXX. I appeared on XX/XX/XXXX as required and informed the judge that I had already entered into a stipulation payment plan with the company which the attorney for the company was unaware of. The judge ordered the company to provide the signed stipulation payment plan to the court within 60 days and closed the case, which the company violated the judges order and did not file with the court within 60 days. At that time, I notified the company that they were in violation of the court order and requested all payments to be stopped due to the violation. 

The beginning balance of the amount owed was {$7800.00}, I paid {$580.00} on the initial stipulation plan, did not make payments in XX/XX/XXXX and XX/XX/XXXX, due to the company 's court order violation and in XX/XX/XXXX, the company offered me a new payment plan which I promptly agreed up at {$140.00} per month and I have paid a total of {$290.00} for XX/XX/XXXX and XX/XX/XXXX. After making the payments mentioned above my balance should be {$6900.00}, but the company is stating that my balance is now {$7300.00} which is incorrect. The difference is {$380.00} more than the correct balance. I requested from the company to provide me with a reconciliation of the difference and a copy of the new stipulation payment plan that I agreed to online in XX/XX/XXXX, but the company has failed to provide either of my requests.