23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX To whom it may concern, I was informed by your company ( XXXX ) that account number ( XXXX ) with XXXX XXXX was deleted from my credit report. 

I have now realized that this same item was REINSERTED onto my credit report! 

In accordance with the requirements of the FCRA SECTION611 ( 15 U.S.C 1681I ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the Reinsertionor, if authorized by the consumer for that purpose, by any other means available to the agency I have received no such notification, This is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately Delete this Account from my credit report in order to avoid legal action. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : Upon reviewing my credit report I have identified the following item ( XXXX ) that contain inaccuracies : The following personal information is incorrect : 1. This account is not mine XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX Please remove it from my credit report 2.This account is not mine XXXX BANK XX/XX/XXXX {$8500.00} XXXX Please remove it from my credit report 3.This account is not mine XXXX XXXX XXXX  ACCT # XXXX XX/XX/XXXX {$240.00} Please remove it from my credit report 4. This account is not mine XXXX XXXX XXXX ACCT # XXXX {$1600.00} XX/XX/XXXX Please remove it from my credit report 5. This account is not mine XXXX XXXX XXXX ACCT # XXXX XX/XX/XXXX {$510.00} Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are alledge accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX XXXX/account number XXXX XXXX XXXX/account number XXXX  XXXX XXXX/account number xxxxxxxxx XXXX XXXX XXXXaccount number XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX XXXX RE : Cease & Desist from Collections Dear XXXX XXXX XXXX XXXX : On XX/XX/2025, XXXX of your employees or agents calling on behalf of your company contacted me and claimed that I owe a debt to XXXX under account number Last XXXX digits XXXX. At this time, I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. 
Your continuous calls and such conduct have caused me to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort. Please take note that any future unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt to collect said debt. 
I hereby demand that you cease and desist all future calls and update your records immediately. If action is not taken by you to cease and desist within 30 days from receipt of this letter, I will have no choice but to take appropriate legal action against you, including but not limited to filing a report against your company under the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that my credit score decreased by 20 pts from Experian. There have been no changes to my report and the XXXX and XXXX have not changed. All 3 reports show the same items on my report. Experian says there is nothing they can do. They did check and agreed that nothing showed on my report that would have caused a decrease in my score. But as there is no change they can not explain it. So there is nothing I can dispute other than the score. This affects me financially so someone has to be responsible to explain this to me and correct the mistake.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I received my federal refund on chime ; because I use chime for my refund every year until they kept closing my dispute for over {$1300.00} being taken from my account on XX/XX/year> an sent to a cashapp I dont have access to and that I have never seen. I put in many disputes I even sent proof of everything, police report and all. The policy is that if they arent done with your dispute in a number of days you get credit on your account. After having submitted sooo many disputes an them being closed the same day which I forgot to mention, they finally stopped denying them the same day an on the XXXX day of my submitted dispute they still werent done investigating even with all the proof they had they prolonged. So the next day I called an explained it was over XXXX days the policy is I would get credit on my account, not only did they deny that for me they are promoting false advertising because I didnt receive any credit and till this day my account was completely scammed of {$1300.00}. I have XXXX kids I never got that money back.
Product: Debt collection

My husband and I hire a company to help us to reduce legimate debt that we owe. We started with the company in XX/XX/XXXX. We were ask to sent in bills that we were behind on. I sent a lot of bills to the company. I had no ideal that this particular bill was in the bunch I sent. This bill is OLD back in XX/XX/XXXX. This bill is from a hospital stay of my husband 's. He was really sick. He is a veteran and his hospital bills were paid by the Veteran Administration because he was given a rating of XXXX %. XXXX % means Veteran Administration is and was to pay the bill. I called the VA to verify if it had been paid, and my husband owes nothing. Veteran Administration PAID IT IN FULL. The company collected {$560.00} from the company we hired. I became aware of this XX/XX/XXXX. 

I called them the same day. Asked to speak to a supervisor. A man answered and I explain the situation and I ask for a full refund of my money. He said I was not going to get it back. He also ask me " Why did it take me so long to call. I said " that the timing is not a issue, the Bigger issue is " why is your company collecting on a bill that has already been paid. As of today I have n't heard or received any money from them. Can your company, please help me with getting a refund from this company? 

Thank You
Product: Student loan

I am following up on my earlier complaint with CFPB in regards to my student loan servicer, FedLoan Servicing. CFPB closed out the complaint after receiving a response from FedLoan indicating that the issue would be resolved shortly. That was about 6 months ago and I have still heard *nothing* from FedLoan about the correct attribution of my Public Service Loan Forgiveness payments ( even after calling/emailing over 2 dozen times over the past many months ). I would like to reopen my case ( XXXX  ) to resolve the issue. I have also reached out to the Department of Education a few times about this ongoing issue, but they have been unable to assist me ( I have n't even received any info from the Dept. of Ed. about my case ).
Can anyone explain to me why it has been 9 months and FedLoan still can not accurately count the number of PSLF qualifying payments on my account? Or even why, after 9 months, no one from FedLoan can even tell me what 's going on other than to say that I have to wait longer?
Product: Debt collection

To whom it may concern, This concerns Dyck O'Neal collection agency. 
In XXXX of 2015 I was told by phone that I was past due on an account. 
I had become late on monthly payments of {$77.00} to the XXXX XXXX Mortgage XXXX. My past due amount was appx {$2400.00} according to Dyck O'Neal in XXXX of 2015. 
On XXXX XXXX I made a {$250.00} payment online. 
The XXXX statement reflected that payment and stated I owed {$2400.00} ( past due ) plus {$230.00} in late fees for a total of {$2600.00}. 
On XXXX XXXX, 2015 I called Dyck O'Neal to make a payment to be current. I was told on the phone that to become current I had to make a payment of {$1700.00}. I asked several times if this was correct and I was told several times this would bring me current. I made the payment over the phone for {$1700.00}. 
The XXXX statement reflected this payment but nothing was applied to late fees. The amount owed was shown as {$690.00} plus {$240.00} in late fees for a total of {$940.00}. 
( {$77.00} was added to each statement as that was what the monthly payment is suppose to be. ) On XXXX XXXX I phoned Dyck O'Neal and asked how much did I owe to become current. The woman stated {$950.00}. I again asked several times, " will this bring me current ''. Several times she said " yes ''. I made the payment for {$950.00}. 
The XXXX statement came and it shows that only {$21.00} has been applied to late fees. It states I owe {$77.00} plus {$230.00} in late fees for a total of {$310.00}. 
Since the XXXX statement which showed that I owed {$2600.00} ( I do not dispute this amount ) I have paid Dyck O'Neal {$2700.00}. They are still asking that I pay {$230.00} late fees. XXXX they have told me on the phone that I am " current ''.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the accounts and inquiries listed below be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$5300.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} Inquiries to be blocked and deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

it reports My balance at XXXX. it is only XXXX Paid XXXX and XXXX Both Cleared. Caused my Report to Go down by 43 Points. Called they Say they Cant do anything to Fix.
Product: Prepaid card

I'm not able to use a American Express gift card. I have tried to use at several online retailers and local stores but the card is not being accepted. I have a card for {$100.00} and {$25.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Equifax did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Student loan

NELNET has failed to provide a valid security agreement of this account after several request. Inaccurate billing statements has me to believe that the notices are deceptive fraudulent. My consumer report has inaccurate reporting, and NELNET has demanded my personal information for proof of identity without first providing a valid security agreement.
Product: Credit card

American Express cancelled our credit card account as a retaliatory measure for reporting issues to cfpb that we are having with our account. As a good faith gesture, we arranged payment of the disputed amount of {$3400.00} as an immediate balance transfer from another credit card, and caused to be withdrawn on XXXX/XXXX/2015 what we actually charged as payment in full on this account, {$7500.00}. These XXXX amounts actually cause us to overpay what American Express says is due. and it has been our custom for many years to have the amount due withdrawn from our checking account, and never has payment not been honored. Furthermore, I checked our credit report and no one, not even American Express has ever reported us past due and nearly all the accounts state 'paid in full. ' However, after six hours on the phone with American Express this day, they will not reinstate our account that THEY cancelled because of a disputed amount, in part a cyber fraud on the account. American Express states their attorney investigated the account, but this is not true. All we have ever requested is an explanation of charges, because the bottom line total does NOT equal the line item charges, and we have sent them spread sheets to prove this. There has also been an unauthorized payment to XXXX, made by American Express, which is also. or was also and remains, a part of this disputed amount, which ( as stated ) we have now paid in full. To make matters worse, they have harassed us through various emails and a robo-call this day. And they cancelled the account a full day before payment was even due. This is wrong. An account can not be cancelled validly under law when the amount causing the cancellation is a disputed amount. Now American Express states we have a bad account payment history, which according to the records and the facts, as well as Experian, simply is NOT true. It should not be this much trouble to pay a bill, and we should not be punished for doing the right thing and acting in good faith -- And they should not hold our account hostage and extort money out of us ( as they have done ) by threatening us with a bad credit report. We paid the disputed amount, and since money coming from our bank has been our business custom with American Express, they should not that require money forthcoming from our bank be immediately in hand. We are being punished because we reported a fraud on this account and refused to pay an amount we NEVER authorized to be paid by American Express. Our credit record is perfect, and now they are ruining our good and valued name in the business community as well as in the community at large. As I said, payment was not even due, and this was done to retaliate against us for reporting them to cfpb, and possibly to cover up an insider fraud at American Express. No reputable business would cancel a credit card prior to the due date on payment.
Product: Debt collection

I was in a apartment complex ( XXXX XXXX  XXXX XXXX, XXXX ) from XX/XX/XXXX. I moved out of that apartment in XX/XX/XXXX. I did not get any communication from them that I owed any amount while I left the apartment. I got a letter from National Credit Systems on XX/XX/XXXX, 6 months after I left the apartment that I owe {$2500.00} to the old apartment due to damages caused to the apartment. I have not been given any bills or proof of this damages caused to this apartment. When I tried calling National Credit Systems about the proof and why I was not contacted for 6 months and I wanted to dispute the debt, they were rude and disconnected the line saying that this debt will be on my credit history. I have a exemplary credit history and would like to maintain the same. Please help me. They are frauds trying to collect money by threatening me. 

National Credit Systems Inc Curent Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX - XXXX Account # : XXXX Amount : XXXX
Product: Credit reporting or other personal consumer reports

XXXX Balance on XXXX Decreased from XXXX to XXXX. Which is correct but this account should be deleted or remarked as closed only not charged off.
Product: Credit card

While traveling overseas, I called USAA to discuss recent charges on my debit and credit card ( Sunday XX/XX/XXXX ). The representative and I agreed that there was no fraudulent activity on my card and no need for any action. For some odd reason that no one can explain ( after dozens of phone calls ), the representative deactivated my card anyway. I only learned of this on XX/XX/XXXX, when I went to an ATM machine and my card was confiscated. When I first called USAA, I was told, " if you have a problem with the bank that confiscated your card, you will need to work it out with them! '' I could n't believe it. Clearly, this bank only confiscated my card because USAA told them to do so. Numerous phone calls later and almost a week later, I received a new card in the mail - after some extremely unpleasant phone calls. This is clearly an instance, once again with USAA, where the front line personnel is so poorly trained and unprofessional that customers are left without any recourse. Moreover, I have been told that USAA can revoke my card at any time and without any reason. If I am traveling abroad, " I am out of luck. '' According to their representatives, they also have no responsibility to notify me that they are revoking my ATM or Visa Card. They can and will do this at will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt canceled by the creditor, I was issued a form 1099-C as verification of canceled debt. Once the debt is canceled it can no longer be reported. I supplied a letter to Equifax bureau along with with a copy of the above notice of cancelation from the creditor with all account numbers and information clearly visible. This was per my attorney 's advice and politely asked that they remove the canceled debt from my report. 
Additionally, with the information provided by my attorney, I cited in the letter legal context for why the information can no longer be displayed on my credit report. 
The Bureau responded that " Consumer 's dispute not specific. Consumer Information verified. '' Providing legal documentation, federal law title, code and subsection is " Not Specific ''? Along with the federally recognized cancelation document is " Not Specific ''?

instead the company 'updated ' information which caused my credit score to go from XXXX   to XXXX  this is illegal.

Further, I am resident of Texas and Texas law 20.06 of Title 2 Chapter 20 of the Texas Business and Commerce Code ( 2002 ), protects consumers from punishment by credit bureaus for disputes and  mandates that invalid, incorrect or misleading information promptly be removed from a residents credit report. Credit bureaus are not permitted to punish consumers when they dispute accounts on their credit profile. I have been polite, I have tried to work with the company and I only ask that they remove the canceled debt from my report. My attorney has advised me to indicate that if the CFPB is not able to assist with remediating this situation, we will pursue other avenues with the credit reporting bureau.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that one piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by XXXX, XXXX, and TransUnion, by failing to review all relevant information provided by XXXX, XXXX, and Transunion, with respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXXXXXX XXXX assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with XXXX, XXXX, and TransUnion. While XXXX XXXX insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' ( XXXXXXXX XXXX XXXX  XXXX  XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ). XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing Discover in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; Facially False Data 87 FR 64689 ( XX/XX/XXXX ) ; referencing XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX CCS Collections, reported a collections of {$350.00} on behalf of XXXX XXXX XXXX XXXX. I have never been insured by XXXX XXXX so I called same day to XXXX XXXX and they looked me up and they could not find any policy or past due bills using my name, social, phone number or address. They gave me the number to their collection agency and same thing, i gave them name, number, social security and they could not find anything. They asked for a collections number and I could not provide one because I never received any letter in the mail. 

Called back multiple times in the past two week and no one could help me, not even supervisors. Neither company would help. I filled a dispute with the credit bureau XXXX and they concluded their investigation by saying the confirmed the debt was mine. 
I called and they gave me an account number ( XXXX ). 

Finally called back to CCS Collections. Gave them my information and they matched my name and date of birth to the collections. The address was a XXXX XXXX XXXX Wyoming. I am a California resident i have never lived in another state. They asked if i have ever owned a XXXX XXXXXXXX which i have not. I asked them to confirm if the last 4 of my social matches the one they have on file and they said the last 4 of my social does not match because they have no social on file ( i think it's pretty XXXX and a poor job on their end to just pin this on someone with the same name and birthday without doing their due diligences just because we have the same name doesn't mean we are the same person. So many XXXX with my name ) So i asked if they could stop reporting this on my credit which they said no. They gave me this website and told me to file a complaint here. I would have to show proof of address like a drivers license or utility bills. ( i don't have utility bill but i have a drivers license ) Still upset so they gave me a policy number ( XXXX ) and i called XXXX XXXX and once again said there was nothing they could do for me and gave me the number to their Legal Department XXXX which of course was no help. Its just a voice recording saying they will call you back in XXXX HRS which of course they have not returned any calls after calling multiple times and different days.