23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the collection account with SELFINC/LEAD, account number XXXX, dated XX/XX/year>, with a balance of {$140.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried repeatedly to get XXXX XXXX to report correctly on both my mine and my husband 's credit reports. We had to file chapterXXXX  bankruptcy in XX/XX/XXXX. We put the past due balance in the bankruptcy, but we continued to pay the current mortgage directly to XXXX during the 5 years of the bankruptcy. We made consistent, on time payments the whole 5 to date. They reported the account closed during the 5 years. After discharge in XX/XX/XXXX they still showed our account closed. I disputed it, because the account was never closed. They said they showed it closed because of the bankruptcy. They corrected that and now it shows the account opened, but they still refuse to show payment history prior to discharge. They made sure to put the past due payments on there prior to filing bankruptcy. This is still effecting our credit negatively on top of the bankruptcy itself. We are trying to move forward and have worked hard to repair our credit these past 5 years, establishing an impeccable payment history, but they are continuing to punish us, by not acknowledging it on our credit reports. Please HELP!
Product: Credit card

Sam 's Club charged me annual service fee for a card account that I never had or received any information on approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for XXXX XXXX XXXX XXXX, is reporting on both the Experian and the XXXX  reports. I have requested from them to remove an inqury and they have sent me letters stating that they put in for it to be removed from my credit report because I did not authorize it. However, both Experian and XXXX  still shows it. XXXX did remove it. Even though XXXX of XXXX XXXX XXXX XXXX XXXX has sent letters to the bureaus, and I have sent letters to the bureaus. They still refuse to remove the inquiry.
Product: Credit reporting or other personal consumer reports

XXXX & equifax has not removed any of my accounts after my accounts has already been closed
Product: Student loan

For years, the student loan servicing company Navient allegedly encouraged student loan borrowers to enter costly long-term forbearance programs that pushed them further into debt, as well as take on private loans they couldnt pay back, according to lawsuits filed by several states, and joined by 39 attorneys general. 

Those claims were resolved through a settlement announced yesterday ( XXXX XXXX ) affecting some 400,000 borrowers. Navient says it will cancel {$1.00} billion in private student loan debt for 66,000 borrowers, as well as pay an additional {$95.00} million in restitution to 350,000 people with federal loans. The former deal mostly focuses on students who took out loans to attend for-profit colleges between XXXX and XXXX. 

I was part of both Sallie Mae and Navient and would like to have my loans considered. I can not move forward in my life to even purchase a home at my age because of this one school of XXXX that I went to
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 COLLECTION PROFESSIONA ( Original creditor 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  has violated my rights. 

I looked at my XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Prepaid card

AmEx states on the back of the GC terms that online payments are possible but they are not. Tried to make a XXXX  purchase and the pending hold ( to then charge full amt when shipped ) was immediately denied by AmEx. XXXX XXXX declined the entire transaction. Attempted to call the number provided by AmEx on the card and the XXXX pager but could not get a human. Went in literal circles and was even hung up on. Googled a different number and was transferred again to this number. Called the different no. again and said I really need to speak to a human. Transferred to speak to another human. This individual said that the XXXX needed to provide the full details of the GC ( number, exp date, sec code ) and kept insisting that this needed to be provided and told me instead to just use the card in brick and mortar. I explained that the XXXX pager said online purchases were allowed and then we did a back and forth. GC Balance is more than the transaction XXXX 20 %. Asked to speak to a supervisor, she said they dont have XXXX available. It seems to me that AmEx should not be allowed to claim their cards can be used online if it really is only useable in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX**** Balance : {$0.00XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX**** Balance : {$920.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the inaccuracies being reporting to XXXX and XXXX credit bureaus. CAPITAL ONE is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

CAPITAL ONE inaccurate reporting has damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something The information being reported for this account does not match between the XXXX agencies, and the discrepancies are as follows :
Product: Credit card

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments.
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 confidentiality under 15 USC 1681. 

XXXX  Account # XXXX  at 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 an 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

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
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

Equifax had a data breach and my information was affected. Ill attach a photo of it. 
They putting wrong account information in my credit file, based on their data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I faxed XXXX XXXX from XXXX XXXX XXXX a copy of the Promotional Inquiries and Account Review Inquiries of my Trans Union Credit Report. My Trans Union Credit Report does not show an inquiry from XXXX XXXX XXXX on XX/XX/2020. I received a letter from XXXX XXXX stating that " Our research found that when we review a customer 's credit report for a possible credit limit decrease or increase, the credit inquiry is a soft inquiry, which does not impact a customer 's credit score, and does not appear on a customer 's credit report. 
I feel this information is not true. My Trans Union Credit Report shows Promotional and Account Review Inquiries which all are soft  inquiries. I would like XXXX XXXX to provide me a copy of the soft inquiry credit report she received from Trans Union on XX/XX/2020. 
If she is unable to show me a copy of this soft credit report from Trans Union she received on XX/XX/2020, I would like her to explain why my credit card credit limit was decreased.
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 15 USC 1681.

Im the victim of an identity theft.I didnt authorize any of the following hard inquiries.Hard inquiries should only be made on my credit reports with my permission and clearly wasnt XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( Miscellaneous ) XX/XX/XXXX Has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

First main issue is that another supposed collection company collecting on behalf of XXXX XXXX XXXX has contacted me again for the same {$2100.00}. Last time I submitted a complaint the company was claiming to be XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX, in the amount of {$2100.00}. I do not want this derogatory information to hurt my good credit that I have worked so hard to obtain and keep. Once again I am disputing that this is not my bill. Again, 1 ) I have never been in a contractual agreement with the reporting company 2 ) I have never been late with payment or delinquent with AT & T because I DO NOT have an individual account with XXXX XXXX XXXX. 3 ) The obvious how can you be delinquent the same month an account supposedly was opened. 4 ) This is obviously a fraudulent activity and 5 ) this happened in 2020 twice but under a different name for XXXX XXXX XXXX when I disputed it was removed according to FCRA practices. 6 ) I have done my due diligence with disputing this several times and requesting they provide proof. 
I already have placed the fraud alerts on all 3 credit bureaus because of this bill that is not mine randomly shows up. Which has led me to use my right to make formal complaint against this XXXX, Experian and XXXX XXXX XXXX XXXX. 

I do not owe anyone any money. As my credit file indicates 100 % excellent payment history because I pay my bills and creditors on time every month. 

The right and fair thing is to have this company to stop writing me and ensure removal of any inaccurate /fraudulent information from my credit bureaus and their records. As well, as for XXXX. XXXX, XXXX to cease from reporting this inaccurate information and or provide documented proof that this account belongs to me. There are no documents me for me to provide because again I have never been in a signed contract with XXXX XXXX XXXX XXXX nor am I in default or have been delinquent with an individual account with XXXX XXXX XXXX. 

I have even contacted XXXX XXXX XXXX  on several occasions regarding this same matter and they always tell me they do not have me has having had an account with them. 

Kindly, XXXX XXXX
Product: Student loan

I would really like to know whynavient did not discuss all the options I had to repay my loans. I am XXXX XXXX XXXX this year and my life is just about over. I survived XXXX and XXXX for 5 years and only to have this worry me. M doctor has warned me that the XXXX will bring a onset of XXXX which is not good. I survived XXXX for this. If they had told me this long ago instead offering all the deferments and forbearance my loan would have been 10 years paid on. Now as a XXXX survivor, I have XXXX loans, a lot of threatening email, more than I have got before and I have no options Why was this not discussed with me before. I need to know this. why di they not discuss this with me. why did they just ofer the forbearance and deferment when they called and never try to explain to me how this would affect me years down the road. I want to know why they never offered me any options to manage my loans and now they are making it look like it was my fault.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request.

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely,
Product: Student loan

Told Sallie Mae I was having trouble making payments. I asked for a month of forebearance and I could continue payments as normal after that. I made a {$50.00} " good faith '' payment and they told me I could continue to make payments the following month. They did not grant me the forebearance and instead added a late fee to what I already owed. Basically told them I could n't make a payment, so they took {$50.00} from me and charged me anyways.
Product: Credit card or prepaid card

I mailed a payment of {$8600.00} by certified mail with tracking, I tracked the payment and it was received on XX/XX/2022 at XXXX pm. Discover claims they never received the payment. I have called Discover several times, I tried to send the complaint on their website ( discover.com/billingerrornotice ). Once I clicked submit, it said there was an error and my information could not be processed. I wrote a hand written letter because my computer is down, I will mail it tomorrow with a copy of the check stub and certified mail receipt. 
I also went to my credit union to see if the check had been cashed and it had not. I asked if they would stop payment and reissue the check or make the payment electronically. They told me they would not because of the amount of the check. They wouldn't for 90 day. Now Discover has added derogatory information on my credit report. I am very stressed out and frustrated about this situation. I have tried everything I know to do, but no one is listening. Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices which violates the customer financial protection act. ( CFPA ) specifically failed to take timely and effective measurements to prevent and address fraud on their platform leaving account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act and regulations Ethese action cause significant inconvenience and financial loss I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Lead Bank Shows derogatory on XXXX and XXXX as a repossession/foreclosure and Current on XXXX never late. I have spoken to the company and disputed and they verified it and said it was valid. However, the information is not correct.
Product: Credit reporting or other personal consumer reports

Hi I have previously disputed ( public record on my credit report with Equifax, and in response they verified the item as accurate, stating that they have verified the information from the court and XXXX. 
I contacted the court and XXXX, and their response is enclosed. 
It is clear that the court do not report to any credit bureau for that matter .Therfore their initial response verifying the item with the court was either an error or a lie. 
XXXX dont have any information on their record.

Either way, the reporting requirements do not comply with FCRA s611 ( 15U.S.C.s1681l ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

My loan information has not been updated with the XXXX credit bureaus since XX/XX/year>. The reporting across all three bureaus state that I have XXXX loans ( I do not ). The balance of the loans ( again a duplicate loan ) is incorrect as well as the payment amount. I have talked with the servicer directly, tried to dispute the information with the credit bureaus, and nothing is being changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I have checked my credit reports. I noticed on my records 1 account in collection. This account should not be on my reports because it has been more than 7 years from the date of the first delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XXXX SS XXXX XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , KY XXXX I am currently XXXX XXXX Please remove the following employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Direct deposit into Capital One account expected XX/XX/scrub>/25 and not received at the time of this complaint. Amount per pay stub {$1400.00}.