23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Dear Department of Education, I am writing to urgently request your assistance in rectifying the late payments associated with the following accounts : XXXX, XXXX, XXXX, and XXXX. I humbly implore you to consider the extraordinary circumstances that led to these payments being delayed, as they were beyond my control and caused immense distress for my family. 

Several months ago, we experienced a catastrophic event that turned our lives upside down. A devastating natural disaster struck our community, leaving destruction and chaos in its wake. Our home was severely damaged, rendering it uninhabitable, and we were forced to evacuate with only the clothes on our backs. 

During this time of upheaval, my family faced overwhelming challenges and emotional turmoil. We were displaced, living in temporary accommodations while struggling to rebuild our shattered lives. The chaos and uncertainty made it impossible to attend to financial matters promptly, including the payments associated with the aforementioned accounts. 

Despite our best efforts to communicate with the relevant parties and explain the extenuating circumstances, the late payments were recorded on my credit history, casting a dark shadow over our future. I understand the importance of financial responsibility, and I deeply regret that these circumstances led to delayed payments. However, I firmly believe that compassion and understanding are warranted in situations as exceptional as ours. 

I am now at a critical juncture where obtaining a mortgage is essential for providing stability and security for my family. However, the presence of these late payments on my credit report severely hampers my ability to secure the necessary financing. The weight of this burden is unbearable, as it threatens to undermine our efforts to rebuild our lives and create a safe haven for my loved ones. 

I humbly beseech you to consider the unique circumstances we faced during the aftermath of the natural disaster. I implore you to exercise your discretion and compassion by removing these late payments from my credit history. By doing so, you would offer a glimmer of hope amidst the devastation and grant my family the opportunity to regain our footing and create a brighter future. 

I understand the challenges faced by the Department of Education and the importance of maintaining accurate records. However, I believe that true empathy lies in recognizing the human aspect behind these accounts. We are not simply numbers on a screen but individuals who have endured unthinkable hardships and are striving to overcome them. 

I kindly request your prompt attention to this matter, as time is of the essence. The urgency and gravity of our situation can not be overstated. I implore you to consider the exceptional circumstances we faced and take immediate action to remove the late payments from my credit history. 

I eagerly await your response and sincerely hope that you will extend your understanding and assistance. The future of my family hangs in the balance, and your intervention can make all the difference. 

With heartfelt gratitude and renewed hope
Product: Credit reporting or other personal consumer reports

I've sent multiple letters regarding the addresses for XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I have informed the bureaus that I have been a home owner since XX/XX/2016 & I have yet to live anywhere else. Therefore these addresses should not be listed on my credit report. 

They have blatantly ignored my request. These addresses could potentially be linked to negative or damaging accounts that clearly DO NOT belong to me. I have already informed the bureau of my intent to file complaints yet they have still disregarded my demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 or other personal consumer reports

please update/validate these item that i request to from the past months and still reporting on wrong on my report, I already comply all the needed detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rented a property from XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. From the original move in date until my move out date once my lease ended was nothing less than a nightmare dealing with the many repair and malfunctions of the property along with the property management company XXXX XXXX XXXX. One of the major issues as well as safety concerns were the electrical in the home. The lights flickered on one side of the house with constant outages as well as no power at all for 2 months in the kitchen. After a ridiculous amount of emails and phone calls to no avail. I sent a ceritified letter to owner of the property XXXX, XXXX XXXX that I wasn't paying rent and if and when they decided to make the necessary repairs I'll start back paying. That's when my phone start ringing nonstop for people to come out. They tried to blame us for their faulty wiring but it didn't work. Also their technician sent mistakenly sent me the invoice indicating there was not enough power coming into the home. I called XXXX they sent the big truck out and the technician stated that they had faulty wiring. So XXXX removed the meter and estimated our bill every month for two months until XXXX XXXX did the repairs.However nobody never apologized for the inconvience, responded to phone calls or emails or even compensated us for the expense we had to incur for eating out for two months and no hot water of and on. The list goes on and on. However the month prior to our lease end I received a phone call asking if I were renewing the lease. I stated absolutely not. Before leaving the property with less than 30 days left I was served with eviction documents. I obtained an attorney. we never received any documents for court. We took pictures and video of the property once it was cleared out and cleaned per the attorney and turned the key in to the attorney. In XX/XX/XXXX I received a letter from a collection agency name XXXX XXXX XXXX XXXX for XXXX XXXX XXXX as well as it was placed on my Equifax credit report. The amount started at {$6000.00} plus and as of today its reporting {$7300.00}. We all know this is nothing short of a lie. XXXX XXXX had my attorney asks if I would settle for them just keeping my deposit of {$1800.00} and they would remove the eviction. Originally I disagreed because I know I didn't damage or owe them for anything. After a year and the case still lingering still never a court date or actual proof of supposedly damages I agreed to settle. This negative mark has been detrimental to my credit and the ability to provide adequate housing for my family. I've disputed this several times with the collection agency as well as Equifax. I have even sent them to court documents that this was settled and the eviction information was removed from the court records and they still haven't removed this negative item from my credit report. I don't know what else to do. Please help me in rectifying this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX -open XXXX XXXX Balance Owed : {$2800.00} Date OpenedXX/XX/XXXX XXXX XXXX Balance Owed : {$6100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$6300.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX
Product: Debt collection

I canceled a contract with XXXX ( security company ) for failure to abide by the terms of the agreement. I then pursued charge reversals through my credit card company. My credit card company sided with my case on all but 1 of the 8 charges I disputed. That 1 charge they did not side with me on was a lump sum payment for {$430.00} for early termination. I have called XXXX to work this out but they forwarded my account to a debt collection company called Source Receivables Management, located at XXXX XXXX XXXX , XXXX XXXX, XXXX, NC XXXX. I have received 8 phone calls from them, I have answered 3 of them, for the first 2 I explained the situation to the agent, the agent said they made notes on the records to reflect this, I told them to stop contacting me, yet they persist, with multiple phone calls every week, and phone calls as early as XXXX XXXX. They will not stop persisting no matter how many times I explain the situation, no matter how many times I ask them to stop calling, and they do it at unreasonable hours of the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

PAYMENT STATUS AND HISTORY IS NOT ACCURATE. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. IN ADDITION ; THERE ARE TWO DIFFERENT COMPANIES LISTED. THIS IS ALSO INACCURATE REPORTING AND A VIOLATION OF THE FRCA.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to conduct a reasonable investigation into the disputes I have submitted regarding inaccuracies on my credit report. Despite my repeated submissions, Experian consistently responds w

ithin 24 hours, asserting that the disputed account is accuratewithout providing any substantive evidence that a thorough investigation has been conducted. This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires consumer reporting agencies to perform a reasonable investigation of disputed information. Additionally, Experian 's conduct may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 )
( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus recent administrative proceeding ( File No. 2025-CFPB-0002 ) against the company for similar infractions. 

I respectfully request that the CFPB take appropriate action to ensure Experian adheres to federal law and provides consumers with adequate proof that a legitimate investigation has been conducted in response to credit report disputes. 

The following addresses are inaccurate and should be purged and Permanently deleted from the report XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX following social is inaccurate and should be purged and Permanently deleted from the report XXXX No phone numbers or employers should be reported as I did not give written permission for such and they too are INACCURATE ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX The Name XXXX XXXX Is Inaccurate and should be purged and Permanently deleted from the report These are the accounts that I've marked as inaccurate XXXX XXXX XXXX XXXXXXXX XXXX XXXX bankruptcy discharged Reference number XXXX The following injuries are inaccurate and should be purged and Permanently deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Navy Federal Credit Union offered investment account which I accepted and opened. Two years ago I closed the account but they keep sending me messages and now they are adding new fees. I went on chat and they said I still had XXXX cents in the account and I needed to login to the account and transfer out the XXXX cents. I told them I did that already twice before and small amounts keep popping back out. I am not willing to do that again nor confirm the account number to send the XXXX cents because I've done it twice already and it could be a phishing attempt. Basically Navy Federal will not let me close the investment account.
Product: Credit card or prepaid card

Seven fraudulent charges were made against my Mastercard credit card over a period of three months. I disputed these charges and a decision was made in favor of the vendor because they " have my name and address ''. The first time I disputed, the charge was reversed. When it happened again, even by the same company, the bank would not reverse the charges. I have sent further dispute letters after this unfavorable finding. I have spoken on the phone with customer service and their fraud department but they will not reverse these fraudulent charges. The total was exactly {$29000.00}. When I refused to pay for charges that I did not authorize, the bank has since added interest and late fees which has added about {$100.00} more to the account balance. The bank that issued my Mastercard is First National Bank of Omaha. The return address on my billing statements is XXXX XXXX XXXX in XXXX, NE XXXX. The fraudulent entries on my statement appear as XXXX, XXXX, and XXXX. 
I am not sure who these entities are so I don't have any idea how to contact them. A XXXX search shows XXXX as a bank in XXXX. I am the type of a person who watches charges to my account very closely. I ask for receipts and I balance each and every statement so I know these charges are not mine. I did not make them, I did not authorize them, I did not even have knowledge of the until they appeared on my statement. I want the bank to reverse these fraudulent charges and the associated interest and late fees.
Product: Credit card or prepaid card

I was approved for a College Student card in XX/XX/2023 with a {$500.00} credit limit. The application asked for household income and I listed it. I am in college & only receive financial aid, scholarships, & student loans. My mother takes care of me & claims me on her income tax. 

I signed up for a credit monitoring service with Discover & received an alert that my info was on the dark web, that I was involved in a data breach, & that someone was using my info ( name, SS #, & DOB ) in another state. Discover had me provide ALL types of information to verify my identity & households income! I did EVERYTHING asked, including uploading IRS forms, uploading my ID and Social Security card, my moms income tax return to show income and proof of identity, speaking to a live person, MULTIPLE times! Only to NEVER be able to use the card & then to get an alert that my account has been closed and my credit score has DECREASED!! 

Other than coming to verify IN PERSON, I dont understand what could not be verified as far as my identity! To be my 2nd credit card, this was very disappointing and EMBARRASSING ( when I kept getting a decline in XXXX )!
Product: Debt collection

I contacted Sezzle about an account that was opened in XXXX  last year. They said they do have an account but some of my info was different than what they had. The account was sold to XXXX XXXX and I contacted them on XXXX they were investigating and said that sezzle had XXXX  days to respond. Its not XXXX. I contacted them on Monday and Wednesday XXXX they said sezzle has not responded. My rights are being violated and I need answers.
Product: Debt collection

I am an elderly woman that is a victim of fraud. I temporarily lived with my daughter and her roommate used our information and stole from us both. I have received debt communication trying to sue me. I am on a fixed income and never used credit accounts.Please help me.
Product: Debt collection

This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children. It also has been refiled multiple times so the dates change to not fall of at the 7 year mark.
Product: Mortgage

After updating insurance information with PHH Mortgage I was informed via a letter that I would be charged {$860.00} for forced placed insurance for the period of time that there was no insurance on the property. This time frame wasXX/XX/XXXX to XX/XX/XXXX. This gap was less than 3 months due to the prior insurance company never sending a payment letter. That company also never informed PHH of the cancellation. There were no claims during this period. PHH Mortgage makes it next to impossible to contact someone at the insurance servicing center. It took over an hour to contact someone and when I finally did, the call center informed me they were in XXXX and not US based. XXXX from the insurance department informed me PHH Mortgage just last month they reached out to the old insurance company and found that the policy had expired. We are now in XX/XX/XXXXand PHH is just now getting around to updating their insurance records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA 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

I am submitting this CFPB complaint as a follow up to the previous CFPB Complaint I have submitted to the Credit Bureaus requesting that the Credit Bureaus correct my Credit file from erroneous information by correcting or removing the disputed erroneous accounts from my Credit file. Under the Fair Credit Reporting Act, the Credit Bureaus are required to remove the disputed accounts within the time allowed by law. However, the Credit Bureaus have done nothing and even claimed that the Accounts have been verified. However, the Credit Reporting Agencies have failed to send me proof of verification from their alleged investigation. I am submitting this CFPB Complaint to the Credit Bureaus to remind them to correct my Credit File from erroneous reporting as soon as possible. Once again, I need the following accounts corrected and or removed as soon as possible : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times to get my consumer statement deleted from my Equifax report and it still has not been removed. My consumer statement reads " PLEASE REMOVE REMARKS FROM MY XXXX ACCOUNT STATING " CONSUMER DISPUTES THIS ACCOUNT INFORMATION '' I would like it REMOVED!!!
Product: Credit card or prepaid card

Synchrony Bank processed a zero percent interest promotion at XXXX XXXX, and I was approved for the zero percent interest. However, XXXX XXXX processed a fraudulent charge - I was told by the XXXX XXXX that in order to hold pricing I needed to sign a sales receipt, but with {$0.00} due. After initially being apprehensive, I was assured by the sales representative that no transaction would be processed, and I had a 3 day grace period to cancel the transaction. The next day, I went to XXXX XXXX and attempted to cancel the transaction, but the manager refused to do so - even though I hadn't received any merchandise, and the sales receipt showed {$0.00} due. I reported this to Synchrony, and initially thought this was a dispute, but Synchrony processed the claim as fraudulent. Over a 4 month period I continuously followed up with Synchrony bank - Synchrony then changed the claim to a Dispute ... .extending the claim. Synchrony miss-represented my claim, and gave me the run around regarding the claim for over 4 months due to internal errors made by the bank. Finally, as I was pressuring Synchrony for the date in which the vendor needed to respond - Synchrony favored the vendor, even with a sales receipt of {$0.00} and no other real information on the sales receipt. It was shocking that Synchrony was allowing this to happen. I received no information regarding the dispute - I constantly had to follow up. Had I not followed up I would have missed the payment - Synchrony  never sent me the dispute information and stated that I had payments due. I was treated very poorly by all of the Synchrony representatives, and they were extremely difficult to work with. After all of my effort, receiving no merchandise, Synchrony is saying the charge was valid and I'm currently paying for merchandise I've never received, and never approved to being with. Attached is the sales receipt showing {$0.00} due, my name only, some internal notes, {$0.00} charges, {$0.00} balance. But I'm paying off a {$4200.00} fraudulent charge.
Product: Credit card

I contacted Citibank on various occasions asking them to verify the debt they claim I owe and disputing the amount due. I also asked that they honor the repayment plan they made with me but they closed the account before I was able to send a payment. I wrote to them on all these occasions and received no response back, ever. In fact, several months passed and still no replies. I advised my credit bureau of these efforts and they refused to remove it from my credit report even though I provided them with records ( registers/certified mail ) and copies of the communications. Only then did Citibank respond to the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed an item I feel is inaccurate or does not belong to me. Some items are reporting as duplicate accounts and the credit bureaus refuse to investigate my account in dispute. XX/XX/XXXX with Experian, XX/XX/XXXX as well.