23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2025, I reviewed my credit report and noticed an inaccurate entry from PORTFOLIO RECOVERY. The account in question shows a late payment that never occurred. 

I immediately contacted XXXX XXXX on XX/XX/2025 via website app and requested a correction. I provided supporting documents,. Despite my request, the company failed to correct the error and instead " claimed the information was verified, '' " did not respond, '' or " continued reporting incorrect data ''. 

I then filed a formal dispute with XXXX and XXXX on XX/XX/2025, and after their investigation, they denied my dispute without a valid explanation. The Fair Credit Reporting Act ( FCRA ) requires that credit bureaus and furnishers ensure the accuracy of the data they report, yet my dispute was not properly investigated. 

This error has caused significant harm, including a lower credit score that affected my ability to get a loan, denied credit applications, or higher interest rates. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that PORTFOLIO RECOVERY and XXXX and XXXX conduct a proper investigation and remove or correct this inaccurate information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX have all effected my personal life by erroneously reporting information on my credit report without my written consent. As a result I have not be able to get approved for mortgage or car loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called several times and spoke to XXXX XXXX and Whoever they refer as XXXX XXXX or whatever. They both can not verify my debt and both keep sending me back an fourth. They have failed to verify my debt via phone and via mail.
Product: Debt collection

The debt collector, Bonneville Collections, has repeatedly called me without sending written notice. This is against the law in XXXX. They must send a written notice.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX  repeatedly calls my cell phone along with my wifes cell phone threatening to file a complaint in court for a debt that I dont recognize. They have an investigator calling and leavening messages on my cell phone stating that they are filing legal charges against us in court. They threatened to cause damage by reporting this to my credit. They are making false accusations on an old debt from 2010. They told me that I had 7 judgments against me which are not true. I attempted to ask them to validate the debt by sending me information via mail or email. They refused unless we agreed to make a payment. I asked them to cease and desist calls to my cell phone and they told me they will not honor my request. They are also harassing my wife when she told them to stop calling her cell phone as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Hard Inquiry XX/XX/2018 XX/XX/2018 XX/XX/2018 Called Capital one about my 3 hard inquires that I did NOT give my consent or signature approval. Capital One said they couldn't find me in their system of applications. I asked her for a letter of removal for transunion and she said she can't give a letter of removal. Therefor nothing was fix about the 3 hard inquiries on my credit report.
Product: Checking or savings account

Between XX/XX/18 - XX/XX/18, I was in a physical altercation with my past roommates, and it resulted into me leaving all of my belongings ( phone, wallet, etc ) inside the house. I had to move back in with my mom and stepdad, and it took me a while to get back on my feet and I was extremely overwhelmed with a lot of things going on in my life. It was between XX/XX/18 - XX/XX/18 when my mom bought me a new phone and I was able to check my bank accounts, and I ended up having to file a claim after seeing {$170.00} missing from my account, putting my account in the negatives. I talked to someone in the fraud department and within 1-2 days they were able to refund my money. 

Due to me having multiple issues with Bank of America, I had made it my duty to close my account. I talked to a woman in the bank, located in XXXX, XXXX, and she notified me that Im not able to close my account until my account no longer has money so she walked me over to a Teller and I was able to withdraw the remainder of my money out of my account. She assured me that my account was closed, and I made a note to myself to open a new account with a different bank. But, I was still receiving emails regarding my account having overdraft fees taken out of it, making my account - {$260.00}, if not less. I was assured that the woman had closed my account and was extremely distraught that I was this much in debt when she had told me my account was closed. And now, I get an email saying my claim was valid and theyre reversing the refund, putting my account nearly - {$500.00} in the hole. Im now taking care of my Grandmother, and just have so much on my plate. I thought BoA wouldve completed my claim, and Im not sure why they denied my claim when I was robbed AND I had been told my account was closed, only to get a mountain of overdraft protection fees back to back to back. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX. Please remove these account immediately.
Product: Credit reporting

1. XXXX admits that it did not process my earned income tax repayment plan paperwork when they received my direct loan consolidation. 
2. They have no explanation for why my paperwork was not processed. 
3. As a result of this, my loan automatically was classified under a standard repayment plan. I did not know this at the time, though. 
4. My account statements were going to an email address that was no longer being used, so I did not catch their error in time. 
5. My credit report became affected. 
6. I was promised over the phone that was loan consolidation was final and that my payment would be zero dollars. 
7. When I found out what was actually happening, I asked a representative to pull up my phone calls. They claim it is not possible to review calls past 90 days. Is this true? 
8. I escalated the issue with a supervisor. I was told they were actively working on this. I was told that " because the paperwork was never processed, they might backdate it, but to hang tight while we sort this out for you. " 8. I left the issue alone for a week to allow them enough time to correct the error. 
9. I never heard back as was promised, so I naturally called in asking for an update. I was told " your credit report was not affected and we took care of this for you. '' I said, " Great. That 's a relief off my shoulders. '' The rep said, " after review, though, it turns out because of XXXX loan you had in the past, you instead qualified for the income based repayment plan and were given those repayment terms. '' I clarified several times on the call that my future monthly payment of XXXX. 
10. I left the issue alone, because I thought the issue was settled. It was n't. My credit was reported as reported being past due. 
11. I called in, again, and the rep still maintained that my credit was not adversely reported. I pressed them on this, stating that I was looking directly at my report, and the rep eventually admitted that this was true. I also found out that I do, in fact, have a monthly balance due every month. I requested at this time that a previous rep informed me that my balance would be XXXX, and formally requested that the previous call be reviewed. 
12. During my last phone call with XXXX, a supervisor told me that this is " still under review. '' I asked her " why do n't I have a past due balance? '' She stated " you were given an administrative forbearance. '' I replied, " I did not ask for this. Why would XXXX do that? '' She stated that " it was done to rectify what happened on the account but that is still under review. '' I said : '' Well, it 's either my fault or it 's not. Either my credit report gets reported accurately or you come after me for the past due balance. I do not want a middle ground. It 's not fair to hold me accountable for a past due balance that you had no intentions of holding me to after admitting you never processed my paperwork. " The only answer I have been given so far to justify the adverse credit reporting is " you should have caught our error sooner. We sent out statements. ''
Product: Credit card or prepaid card

On XX/XX/XXXX I mailed Capital One a letter and check, number XXXX. The letter was an agreement that upon cashing, the debt would be resolved as paid in full and deleted from the three credit bureaus. On XX/XX/XXXX the {$75.00} cleared my checking account but as an ach debit. On XX/XX/XXXX I received an alert that my Capital One balance had been reduced {$75.00} and not removed. 

Attached is a copy of the letter and check that was sent. The debit from my checking and the update of the balance being reduced.
Product: Credit reporting

Please note that this was placed on my credit in error. This should be removed from my credit profile immediately. XXXX XXXX XXXX has acknowledged that this should be deleted off of my credit profile. XXXX XXXX XXXX XXXX has since filed a UDF ( Universal Data Form ) with all the credit bureaus to have this removed from all XXXX of my credit profiles. Please have this removed immediately and forward me confirmation that this has been done. I have attached a print out of the email XXXX XXXX XXXX sent me to confirm that they have requested this deletion. Please see the contact information for the XXXX XXXX XXXX attorney that has been facilitating the correction below : XXXX 

XXXX XXXX XXXX XXXX, VA XXXX Toll Free : XXXX ext. XXXX Phone : XXXX ext. XXXX Cell : XXXX Fax : XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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: Vehicle loan or lease

The calls from the phone number XXXX started on XX/XX/2024 from a number I did not recognize and there was no voice-mail left. From that day on I have recieved 30 calls in a course of a week starting from XX/XX/XXXX and the last call I got from this number was on XX/XX/2024. No voice-mail from any of the calls were left so I blocked the number since I was getting about 5 calls a day and that is not including all the other numbers they have attempted to call me from. what I have gathered upon further investigation that this was from my loan company Westlake financial. This has been a constant issue with them even after I speak with them as the calls would still continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am not familiar with the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft and someone stole my personal information and opened an unauthorized and fraudulent account in my name with XXXX XXXX and XXXX XXXX and accumulated a debt of {$670.00} that do not belong to me. I been receiving harassing and threatening telephone calls including XXXX for an account and debt that do not belong to me.
Product: Credit reporting or other personal consumer reports

I have checked my credit report and noticed I had a collection from Credence Resource Management for {$440.00} opened on XXXX, XXXX XXXX This is inaccurate! According to fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have tried to dispute this and have requested debt validation multiple times and have received nothing in return but disrespect. XXXX is not letting me dispute the account any longer either and I want it removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( 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 XXXX per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRADULENT ACCOUNTS AND IDENTITY THEFT
Product: Student loan

My School Misconduct application was denied tonight. This was my 2nd application. I cited court cases, XXXX XXXX, Whistle Blower testimony and FCC court cases. Im a XXXX XXXX XXXX XXXXXXXX XXXX  and had my borrowers defense application approved.

Navient provided a very generic denial letter with no real justification or information. This was also done beyond the 30 days. Their policies and terms of this program has been deceptive. This is also old Sallie Mae loans that are predatory. They also are violating the Holder rule for Student Loans. They are refusing to provide program details such as reconsideration process, appeal process, accurate status, and reason for denial. They also are not doing their due diligence and denying these in bulk. My colleagues all reported in our XXXX XXXX Navient sent through bulk denials today. This does not appear to be a fair process. They are awaiting to unload me to XXXX. 

Also, in addition I feel that I met the terms for prior FCC or CFPB settlements and Navient excluded me for loan discharge and refund. 

I went to the predatory XXXX XXXX XXXX Navient and Sallie Mae both had a well documented pay for play relationship.
Product: Credit reporting or other personal consumer reports

Prior to the pandemic, I requested my credit reports and only received a short summary which reflected some discrepancies. I then disputed them and I've attempted to request my three credit reports since then for multiple years now. I've also have requested for the incorrect information to be corrected and I have had difficulties getting an updated and corrected report from all three credit bureaus. I am now being told that I have to verify my identity with the information that is being stored on the reporting system which is all false. Thus, making it impossible for me to verify my true identity. I am still unable to access my reports. Please note that I have already sent a copy of my photo ID, birth certificate, and social security card via certified mail. My data has been compromised ; I have been summoned to court for accounts I have never obtained but the credit bureaus would not correct this error. It appears as my accounts have been frozen and I am unable to unfreeze them due to their request of verifying my identity which I have attempted to. I am being denied for services due to the information on my report. I feel as my rights have been violated and I am being abused by the system that should be assisting me on this crucial matter. I feel as though I'm being treated as a criminal for a crime I did not commit. I am even unable to vote due to this discrepancy. My housing, my license, my medical, my school, and even my livelihood is all been affected and are at jeopardy, I need help!!!!
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Date opened : XXXX XXXX Amount : {$5000.00} Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5600.00} Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5100.00} I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gm financial, and XXXX XXXX XXXX are no longer my responsibility after divorce XX/XX/2021 and I continue to get derogatory marks that reduce my credit score and make my ability to get housing, credit or auto loans approved. My credit is poorly effected by accounts that I am not legally responsible for and have no access to information about. I'm being penalized for the behavior of an ex spouse and it is entirely out of my control and should not be legally allowed to poorly reflect on my own credit history. I have tried without success to get the accounts to stop posting negative things to my credit, have tried to plead for my ex to resolve the issues from his end and have sent disputes through credit reporting agencies
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX 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 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX. Transunion : Acct # XXXX XXXX XXXX XXXX XXXX XXXX. Transunion XXXX XXXX : Acct # XXXX XXXX XXXX XXXX. Transunion XXXX XXXX : Acct # XXXX XXXX  XXXX : Acct # XXXX XXXX & XXXX : Acct XXXX XXXX Installment XXXX5 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 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. 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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and XXXX  Account # XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputesd in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.