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

My federal student loans ( fed loan servicing ) went from on time payments to the next month 120 days late this information is inaccurate.
Product: Debt collection

XX/XX/2025 the man spoke in very broken XXXX saying he was from XXXX XXXX XXXX and was going to issue a warrant for my arrest for debt that I owed. I already have letters from the Credit Card company saying that I didn't owe anything because they found out that the credit cards taken out in my name are fraudulent. I do have copies of these letters. The telephone number they are calling from is XXXX but if you call the number back you get an operator saying the number can not be completed as dialed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$4800.00}
Product: Debt collection

This company has no validated this debt and I have not held a negative balance with this institution. This account with closed with a {$0.00} balance and company refuses to work with me.
Product: Debt collection

I have made several attempts on validating the debt information with Source XXXX  Management for a XXXX Account ( Original XXXX Acct # XXXXSource Receivables Management Acct # XXXX ). 

XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX. 

As of this complaint Source Receivables Management has yet to provide signed documentation to the validity of the debt the allege, I own to them. 

I have asked them repeatedly to not attached this to my credit report. To finding out that Source Receivable Management has reported a derogatory mark to the credit bureaus. 

Letter were sent demanding the information on the dates above. 

Source Receivable Management has not responded in the appropriate 30-day window to respond to my last letter date XX/XX/XXXX. 

Source Receivable Management has been placed on notice to comply with FCRA is validating the information. 

I wish the information would be removed from my consumer credit report and the Source Receivables Management cease all collection attempts on this alleged XXXX debt. 

I will be sending out a final letter dated XX/XX/XXXX with is attached. Demanding that Source Receivable Management fix the erroneous error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been on the phone with Equifax so much throughout XXXX and XXXX and at this point I just need someone to step in and help me! 

I've mailed countless copies of the same documents ( they say they never get them ) I then upload through my.equifax.com.. I just want to cry at this point! They are useless! 

My ENTIRE credit report keeps vanishing completely. Right now, it says I have no accounts on my credit report at all, with 4 unknown inquiries that I've never partook in. In addition, my birthday keeps being changed from the corrected one XX/XX/1993 - to XX/XX/1993! 

I sent them my court ordered name change - and they've changed my name about 5 times in XXXX alone! NEVER ONCE to the appropriate name. Mind you, every representative who makes the change, someone changes it back on their own, or to another variation of my previous name! 

I logged into credit karma again and XXXX today, EQUIFAX REPORT GONE. I'm so tired of them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from TransUnion to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Because of the incorrectly reported data, I request that TransUnion verifies the accuracy of the Balance of {$1000.00} for this account. I do not recall owing such a high amount, and the Past Due amount should not be provided for this closed and charged-off account. Please mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX require TransUnion to verify the information reported for this account, as the Balance of {$330.00} is inaccurate in my recollection. The Past Due amount should not be presented for this closed and charged-off account. Kindly mark this account as disputed while I resolve my dispute with the creditor, so that it is not held against my credit standing. Moreover, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} The information provided for this account is imprecise. The reported Balance of {$1700.00} is higher than what I remember. Please remove the amount indicated in the Past Due section, as this account is closed and charged-off. I intend to communicate with the creditor to clarify the reported data. Until the necessary corrections are made, please mark this account as disputed. 


Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$600.00} The following account is not mine, and I request TransUnion to remove it from my credit report. 


Account Name : XXXX FIN Date Opened : XX/XX/XXXX Balance : {$10000.00} This account was never late, and I request TransUnion to correct this inaccurate information on my credit report. 


Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$600.00} This account was never late, and I request TransUnion to correct this inaccurate information on my credit report. 


I am deeply concerned about the inaccuracies in my credit report, as they have significantly impacted my creditworthiness. These errors have the potential to affect my financial opportunities and obligations adversely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed the XXXX with all 3 agencies, XXXX XXXX and XXXX won't show any credit report, and experian wants me to pay {$4.00} a month to get credit reports from all 3, and will not show my FCIO score from them individually. Only Experian showed my inquiries. XXXX and XXXX out right denied any information.
Product: Credit card or prepaid card

I was the victim of a bait and switch scam by a painting contractor ( increased the price of the signed contract by {$3500.00} ). I disputed the contract deposit amount paid with my credit card as I cancelled the contract when I was notified of the price increase and had to hire another contractor to do the job. The bank has continually delayed resolving the dispute, asking numerous times for information already supplied, changing the dispute reference number, falsely claiming that I agreed to pay the disputed amount and closing the dispute accordingly, refusing to provide timely written documentation of the status of the dispute and what they need from me in addition to all the documentation I've already sent. I have not been able to reach a supervisor at the bank with the authority to resolve the dispute, nor have I been able to speak with the same person twice in order to follow up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- All of these creditor accounts were in " good standing '' and were " CHARGED-OFF '' due to XXXX XXXX- All of these accounts are reporting as charged-off on my credit file repeatedly each month and they are impacting my credit in a negative way not allowing my credit score to increase. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- PAST DUE {$7700.00} THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX : OPENED XXXX-CLOSED XXXX- PAST DUE $ XXXX- THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX  : OPENED XXXX- CLOSEDXXXX- PAST DUE XXXX XXXX- THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- PAST DUE XXXX- THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

TRUIST BANK and a Agency names XXXX and the DEPARTMENT OF EDUCATION have all three reported on my credit report without my permission which is illegal According to the Fair Credit Reporting Act Section 605B I respectfully and lawfully demand that these inquiries be removed immediately from my any credit report baring my, copyrighted NAME to avoid legislation involving these matters. FTC and Secretary of State will be contacted to do further investigation.

Please Be Advise this is an opportunity to cure before the administrative process begins.

I have emails, screen shots and well dated records as well however it is my intention to settle these errors in an out of court proceeding/arbitration.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX, Experian, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Credit reporting or other personal consumer reports

They sold my debt, the amount of credit is incorrect and the don't want to show or tell me the proof
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had several late payments on accounts I was in fact never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XXXX XXXX to XXXX XXXX for account # XXXX. This is in complete violation of 15 U.S Code 1666b and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshots attached :
Product: Mortgage

This account is fraudulent in regards that the security interest paid for all obligations. Carrington continues to communicate with me harassing, oppressing, and abusing me in connection with this debt. Carrington has continued to send false, deceptive, and misleading representation in connection with the collection of debt created by this account. Carringtons unfair and unconscious practice to collect this debt is causing harm, abuse, and is very deceptive. 
Carrington continues to infringe on my rights as a consumer by not in good faith upholding their responsibilities. The Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) responsibility for the debt is in dispute as well as the validity of the debt, or any portion thereof.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I opened a activated my account with the XXXX XXXX card current. I then transferred funds from my XXXX XXXX  to the current card once I did that. I received a email stating that my account would be under a review for 3-5days business days I waited and waited and afterwhile when my days were up I seeked out for assistance to see whats going on I called the current card customer service number and their phone line has it set up where you can not talk to a representative over the line you only have the options that are given .I looked deeper into the situation I am only allowed to sent emails and text them through the mobile application. Ive sent several documentation of what they were asking for repeatedly kept asking for the same documentation and Im getting very skeptical because I already can not talk to anyone over the phone line. I then looked them up and see they have a lot of bad reviews and are known for scamming and frauds. I then go look to see if I can find deeper information I ran into the bank they are issued through XXXX XXXX  FDIC. I called to speak to someone explained my situation they stated theirs nothing they can do. Remind you they are the issuer bank for Current card XXXX XXXX so I didnt understand why they couldnt do anything. I look up a number I could call to seek further precautions and I came across yall number I seriously need help my money is locked and they wont release my funds to me
Product: Student loan

XX/XX/2023 received 2 robo calls from Navient XXXX XXXX ; XXXX XXXX XX/XX/2023 received 2 robo calls from Navient XXXX XXXX XXXX XX/XX/2023 received 4 robo calls from Navient XXXX XXXX XXXX XXXX XXXX XX/XX/2023 received 1 robo call from Navient XXXX XXXX XX/XX/2023 received 1 robo call from Navient XXXX XXXX XX/XX/2023 received 3 robo calls from Navient XXXX XXXX XXXX XXXX XX/XX/2023 received 4 robo calls from Navient XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX - I detected fraud on my credit card account while traveling internationally and reported it to my bank.

XX/XX/XXXX - my checking account had a balance of {$4200.00} XX/XX/XXXX - my account was debited for {$880000.00} by the bank and my account was closed. In addition, my credit cards were cancelled and my savings account was closed XX/XX/XXXX through XX/XX/XXXX - I have contacted the bank many times to get the balance in my account due to me. It has been 3 months since they closed my account and I have yet to receive the funds.
Product: Vehicle loan or lease

I am having a very hard time dealing with Golden1 Credit union on a car loan. I recently went bankrupt due to the pandemic, I lost my job and I decided to keep my vehicle in order to continue searching for a job and transport my family. I called the bank to let them know my situation last year, they help me reducing my payment from {$580.00} to {$440.00} for 12 months only. I told them I was going to file for bankruptcy and wanted to keep the vehicle, and they told me to call them back once I was discharged from chapter XXXX to discuss my other options. Few months after I did, with my discharge documents and they ask me to send the discharge documents, plus a hardship letter to see the other options. After receiving all that they send me a letter with my new lower payment of {$330.00} for 12 months. I was very happy until they decided not to honor it, saying they made a mistake on my loan, that they already modify my payment previously. Where I am standing today XX/XX/21 is whit another plan with payment of {$450.00} for 38 months, after being treated very disrespectful over the phone for several months now. I never been late on my payments with them, and I really want this people to do something else for me. My vehicle is worth {$13000.00} and I still owe them {$16000.00}. I ask them to give me 48 months instead to lower my payments, but don't think they want to do it, they are very arrogant when I try to continue to negotiate, after the fact that they are not honoring what they put on paper for me. They should reduce my balance to get to the lower payment they offer me, and never deliver. Please help me!!
Product: Debt collection

MCM Or Midland credit management sent me information about collecting a debt I made one payment however the email provided to me by MCM states that if I default my new payment amount will be If you default on your payment plan, this agreement will be void and the full balance will be {$380.00}. However on my XXXX and XXXX they have reported I owe {$380.00}. This is wrong and incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX told me someone checked my credit score without my consent and it looks like someone is trying to open an new account on rise and i have not authorized to set up an new account
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a letter dated XXXX XXXX, 2015 indicating that Citibank reduced the credit limit on my Sears Credit Card from {$16000.00} to {$2000.00} because I have not used my card recently. The reduced credit limit was so low that if I had gone to a Sears to make any substantial purchase in between when the credit line was reduced and the time I got the letter the transaction would have either been denied, causing considerable embarrassment, or potentially gone over my limit and may have incurred an overlimit fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX account was opened under my name without my knowledge or consent and was used and left a {$1000.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Product: Debt collection

XXXXyncb/ Amazon Plcc , Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a dept of {$2200.00} on behalf of XXXX. I asked the company and the credit company of proof of this debt and have not received anything. I have not had XXXX since XX/XX/year> and the there was no remaining balance. Also, if there was a balance my rights are being violated with this being reported after the timeframe allowed for my state which is XXXX
Product: Mortgage

Borrower XXXX purchased her home at XXXX, LA in XX/XX/XXXX for {$39000.00}. To purchase the home, she took out a FHA Loan at 8 % interest. Her monthly principal and interest payments were {$280.00}. For the duration of the loan, she has paid taxes and insurance out of pocket. 

In XX/XX/XXXX, XXXX lost her job and was placed on a 3 year workout program by HUD. During this time, her monthly payments were reduced to {$79.00}. She continued paying principal and interest out of pocket during this time. She was verbally informed that the {$8000.00} in interest she accrued during this time frame would be forgiven upon the maturity date of her mortgage. 

After she began making payments towards her mortgage once again in XX/XX/XXXX, XXXX remained current on her loan until this date, aside from two months after Hurricane XXXX in XX/XX/XXXX, which she promptly repaid. 

As her loan was approaching its maturity date in XX/XX/XXXX, she was made aware that there was still an outstanding principal balance of {$15000.00}, plus an interest arrearage of {$8100.00}, and additional fees for a total payoff amount of {$23000.00}. 

It is unclear why there is such a large remaining principal balance when the borrower 's loan was fully amortizing, and it appears that the servicer has failed to forgive the interest arrearage as agreed to at the time of the workout option in XX/XX/XXXX-XX/XX/XXXX. 

The outstanding principal balance on the loan does not appear to be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and also my personal identity has been compromised in a data breach with XXXX.