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

There is a collection from XXXX  on my credit report. I have been disputing this collection for MONTHS. Continuously telling the bureaus that I have not done business with this company, continuously asking them to validate the debt and nothing ever happens except them saying " verified ''. This thing has so many issues. They acknowledge my dispute with no proof of validation which is completely against the law, the current balance is lower than the high balance, it says date of last activity for transunion was XX/XX/XXXX but how? Date of last activity for XXXX says XXXX. I don't even know who these people are. My rights have been violated and my credit file is suffering. I have been denied credit due to this. I didn't want to go as far as hiring an attorney but if this is not removed within 30 days I will be hiring a attorney to represent me in court. 
This complaint serves as the final demand for proof of validation. While this is being disputed I also demand removal from my report & cease of collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus through certified mail informing them of my identity being stolen and none of them have responded back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report in XX/XX/XXXX after getting several letters and phone calls from collections agencies that I owe money. I noticed several accounts that were in delinquent status. Upon further investigation I noticed that these were not accounts that I opened. I have suspicion that a family member used my information to open these accounts. When I reached out to this family member they admitted to opening the accounts and keeping the accounts current until they couldn't afford to. I did not give this person permission to open up any accounts using my information. I disputed the 3 ( Sears, XXXX and Best Buy ) accounts, 2 ( XXXX and Best Buy ) have been removed and 1 ( Sears ) remained. The account was opened in XXXX for a Sears credit card with a balance owed over {$3000.00}. Despite attempting to dispute this account the results have come back for the second time stating that it will remain on my account. I have completed the paperwork with Sear fraud department and provided them with a copy of the FTC report that I filed. I am waiting to hear from them regarding the results. This delinquent account is currently having a negative impact on my credit report and has significantly effected my credit score. I am now more vigilant with checking my credit report weekly. I signed up for credit monitoring and placed a fraud alert on my credit. I have reached out to the credit companies to report the accounts as fraud as well as all three credit buraus to dispute the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported errors for over 2yrs using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes to fix this and nothing happened, i asked for the accounts to be dele/ted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything for dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed
Product: Mortgage

Doing a short sale with Chase on an FHA loan. We have had a full price offer in for three months, with approval from FHA. The approval to participate in the short sale expires XXXX XXXX and it is now XXXX XXXX, end of day, and we do not have an approval letter so the buyer can move forward. The short sale negotiator changed XXXX XXXX and nothing has moved forward since XXXX XXXX took over this file. I have reached out to the escalations department within Chase and to FHA and still the only response I get from the Chase short sale negotiator and the escalations department is that the file " is still under review '' ... There 's no legitimate reason for the approval to take 3 months or even two months after we have full approval from FHA to participate in the short sale. We only need the Chase approval letter to close this. But Chase is delaying this approval to the point that the buyer has now lost their interest rate that they were approved for and we are now at risk of losing the buyer due to Chases ' delays and the short sale negotiator 's negligence.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Student loan

My student loans are held by Navient. I have had trouble with repayment since they became due. I have called Navient on numerous occasions, probably dozens of times, since my loans moved from XXXX XXXX to Navient, in an attempt to lower my payment or come up with a solution when I am not able to afford to make payments. The solution offered by Navient is always to put my loan on forbearance, and they usually suggest long forbearance periods, typically one year. 

Navient has failed over and over again to properly inform me of alternate repayment plans such as the income-based repayment plan, which I discovered by researching repayment plans online and found on XXXX. I have also found communications with Navient regarding repayment options to be anything but transparent, and have trouble understanding what my options are. Their verbal descriptions of repayment options over the phone have been confusing and misleading. I have even been told directly by Navient that placing my payments on an income-based repayment plan would increase my monthly payments and pressured to put it on a graduated repayment plan, which will result in unmanageable balloon payments as the due date draws closer. Again, when discussing these options, I am always pointed towards placing my loan in forbearance, which has resulted in interest being rolled back into the principal of my loans. My loans were due to begin repayment in XXXX, and now in XXXX, my balance is thousands of dollars higher than my original balance as a result of interest being rolled back into my principal. 

Although not directly related to Navient as my student loan servicer, it is notable that the first year when I took out loans ( in XXXX and at the age of XXXX ) my interest rate was at 2.5 %. In XXXX, my second year of study, and every year after, my interest rate was raised to 6.5 %, and I was not properly informed at the time by XXXX XXXX ( the servicer at the time ) or by my school of this increase, or of the consequences I would experience later as the result of a huge surge in my interest rate. This resulted in only one semester of loans at a 2.5 % interest rate, and the next 4 years of loans at 6.5 %.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, these are not my inquiries.
Product: Debt collection

in XX/XX/XXXX. 2015, began trying to rebuild my credit. so, I paid off XXXX of the XXXX delinquencies on my credit report. These XXXX delinquencies were medical bills owed to the emergency room at the XXXX hospital XXXX. XXXX for XXXX $ and XXXX for XXXX XXXX the debts were paid to XXXX. on XXXX XXXX, 2015. Since I paid these debts, they have been sold to XXXX different companies and shown back up on my report. I have not been able to raise my credit due to these reoccurring unowed charges. please remove this from my credit and make it impossible for this crooked company to sell the debt to someone else.
Product: Credit reporting or other personal consumer reports

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account XXXX XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I Closed my account with Capital One with a XXXX balance. After closing my account a charge was made to my closed card account. Having closed the account I was not aware of a charge until Capital One contacted me about a late fee on a balance due. I have called three times and have not received an explanation on how a charge could be made to a closed account but Capital One insists that I will continue to incur fees until I pay off the balance. I contacted the business that made the charge and they confirmed that the charge was made in error and rescinded the charge made to the Capital One card. However, Capital One still insists that I pay the fees and interest incurred from the incorrect charge that was made to my closed account and that I will continue to incur further late fees on the unpaid late fees from the charge that was rescinded.
Product: Debt collection

On all XXXX Credit Reporting BureausI am asking that th dated XXXX/XXXX/XXXX, There is a collection report with no account number or verification of what this collection is for. The Original creditor was reported by XXXX XXXX XXXX XXXX XXXX XXXX. When I tried to research this company, it only gave me air conditioner companies in the XXXX area. There is no such phone numbers or address I could find. It also gave the collection agency as IC System in XXXX XXXX, MN. It shows as open on XXXX/XXXX/XXXX and {$93.00}.
Product: Debt collection

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. There should not be any late payments reporting due to the fact that my student loans has been in deferment since XXXX.
Product: Credit reporting or other personal consumer reports

I am sending to dispute late payment entries that appear on my credit report for the following accounts : XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history.
Product: Debt collection

I received a notification on my credit report about a collections account in XXXX of 2023, while the collection agency says the account is from XXXX 2023, but have received zero notification of the account or the ability to dispute. I have previously disputed this account on my credit report and successfully have had it deleted, only for another agency to come in and bring back the same account with zero notification. I have a current account with XXXX XXXX XXXX that is paid in full and on-time for years, have said multiple times I do not know where this account comes from, received zero notifications, and have successfully disputed this debt multiple times. At this point this is harassment by both the collections company and XXXX XXXX XXXX. I will at this point pending what happens hear cease my relationship with XXXX XXXX XXXX for my cellular service if this doesn't stop as I'm free and clear of any contract obligations.
Product: Credit reporting or other personal consumer reports

Thanks. 

While XXXX had a XXXX score listed on the paper form that was higher than the online bank XXXX score for Wells Fargo ( that uses XXXX ) and while the XXXX XXXX XXXX score of XXXX was highest ( XXXX ), no score was appearing on the online XXXX statement that lists the scores for XXXX, XXXX, and XXXX. 

XXXX and XXXX stated that Wells Fargo is to update them.
Product: Checking or savings account

CFPB Complaint : Truist Bank Unauthorized Business Account XXXX XXXX XXXX Funds What happened? 
On XX/XX/2025, my company, XXXX XXXX XXXX XXXX, deposited a cashiers check in the amount of {$11000.00} ( check ending in XXXX ) into our business account at Truist Bank. The payment was made by a client, XXXX XXXX, as legitimate compensation for XXXX XXXX XXXX XXXX completed by our business. The funds were credited to our account with no indication of an issue. 

On XX/XX/2025, I discovered that Truist had unilaterally closed our business account without any prior notice, explanation, or opportunity to respond. We received no written or verbal communication from the bank regarding the closure or the status of our deposited funds. We only discovered the issue when we attempted to access our account and were denied entry. 

Why we believe this is a serious issue : We are a victim of fraud, not the perpetrator. 
We received and deposited the check in good faith. 
We have no connection to fraudulent activity and performed valid contracted work. 
We filed a police report ( # XXXX ) and an FTC fraud report, both of which are part of an ongoing investigation. 
The banks action has caused significant harm to our business : We have been unable to access funds needed for business operations. 
Several contracts were canceled due to our inability to purchase necessary XXXX equipment. 
Our business reputation has been harmed, leading to lost clients and opportunities. 
We have made multiple attempts to obtain information from Truist Bank regarding the account closure and the withheld funds but have received no response or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving collection phone calls and mail, I reviewed my credit report and noticed accounts and inquiries that were listed that did not belong to me. I contacted the credit reporting agencies and the companies listed but nothing has been deleted from my credit report. Included below, and attached is the letter that I sent to XXXX, XXXX, and Experian. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Thank you for your timely response to this matter.
Product: Student loan

I 've been working in the XXXX profession for the past 5.5 years and have regularly been making payments on my student loans. I submitted the paperwork for Public Service Loan Forgiveness and learned, to my dismay, that none of the previous years worth of payments counted towards my loan forgiveness. This was understandably a blow because I was never made to understand that only certain repayment plans qualify. Given that a lot of time and money went into paying my loans in full and on time I think at least a portion of those payments should count toward my Public Service Loan Forgiveness. Unfortunately when I called FedLoan Servicing to inquire about this they told me there was no appeal process. This left me at a loss and very disheartened. Given that the language in the letter I received stated that " MOST of your payments must be made ... '' under qualifying repayment plans I think at least a portion of the previous payments made should count towards my forgiveness.
Product: Money transfer, virtual currency, or money service

I want all money to be returned/ refunded thats due
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

XXXX  XXXX keeps reporting that i had an account with them even tho its paid { not be me } i filed a fraud alert in XX/XX/2014 about someone using my personal information also the IRS contacted me stating that someone was using my information so i receive a pin number every year this account is not mine and i want it removed refer to case XXXX were they responded and you then closed the case they can not show any documentation its my account because it is not i have been fighting this for about 6 months now please remove it remove my credit report under section 611 and section 623 it has damaged my life and hurt my family i even had a car wreck thing about this im getting so up set with this my only recourse will to be filling a law suit in which the attny gen of calif refered me to do so thats not what i want just remove the account from my credit report
Product: Credit reporting or other personal consumer reports

I am disputing incorrect addresses listed on my credit report from Experian. Specifically, the addresses " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX '' and " XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX XXXX are incorrect and should be removed from my report. I have no association with these addresses, and their inclusion is negatively impacting my credit profile. I request the immediate removal of these inaccuracies and a thorough review of my credit report to ensure it reflects only accurate and verifiable information. Please investigate and correct these errors in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$3100.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$4900.00}, XXXX XXXX XXXX Date of XXXX  XX/XX/scrub>XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit card or prepaid card

I have been getting charged {$14.00} every month since XX/XX/2019 from XXXX on my Bank of America Mastercard. I have disputed this charge several times with bank of america and have been unsuccessful. Bank of america 's response was " we are unable to approve your fraud claim because the charges made were recurring and have been charged regularly. I've called XXXX and they have no clue what the charge is for. I have records from an online chat with XXXX trying to dispute the charge and they are unable to find an account so therefor can't cancel the charge. Bank of America refuses to actually do their job and actually look into the issue. I guess they expect me to keep paying for a service that I never signed up for the rest of my life. What's the point of a fraud department?
Product: Debt collection

The co XXXX XXXX XXXX is claiming that I purchased a vaccum cleaner for XXXX! in XX/XX/XXXX. At an address I did not live at. Prior to XX/XX/XXXX they were reporting I owed XXXX $ now after I disputed and proved them wrong they are reporting it as XXXX Paid by dealer. This is not my account, I proved it is not even my address and who in their right mind would pay XXXX for a vaccum cleaner. It is absurd that credit bureaus allow any information to be placed on a persons file with incorrect address and SS #. This co reported my number no where close to what it is. Please help, this co calls my daughter at work cell phones sends mail to their houses therefor reporting to bureaus that I have all these different addresses and I don't. They change the dollar amounts the dates the entity etc. This has to be illegal XXXX XXXX XXXX XXXX address XXXX XXXX XXXX Ohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXXXBalance : {$400.00} XXXX XXXXX Balance : {$270.00} : XXXX XXXX XXXXXBalance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Noticed Unauthorized Inquiries On My Credit Report. 

XXXX XXXXXXXX XXXX XXXXXX/XX/2020 XXXX XXXX XXXX XX/XX/2020 JPMCB Auto/ XXXX XXXX XXXX XXXX