23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I called on XX/XX/XXXX to ask if I could make arrangements to lower the payment amount and extend the payments out and was laughed at. The customer service representative was foreign and would not repeat his name, but said " What do you expect when you take our loan ''. He said they will continue to take payments out and it id my fault for having bad credit. This loan has a 400 plus percent interest rate. I realize I am at fault for ever having the XXXX to take it out, but to be talked to like that .... I wish these businesses were not allowed to even operate. To charge such outrageous interest and then speak to customers like that- they have full access to your account and will make zero effort to help if you are facing a hardship.
Product: Debt collection

Recently I was alerted by XXXX  that DRS was reporting account XXXX {$520.00} on my credit file. This account is fraudulent and is not mine. DRS has never contacted me about this account in which is required under FCRA laws. This account is fraudulent and is effecting me adversely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureau to dispute and investigate questionable information on my credit report but have not received any response. The company only updated my personal information I requested but did not address the inquires.
Product: Credit card or prepaid card

I am a victim of identity theft. I realized between last year XXXX to XXXXXXXX XXXX my apple credit card was compromised. I did not authorize any purchases/transactions. Ive disputed the transactions multiple times with the credit card company but my disputes was denied even after I submitted all the evidence including the police report. This is what Goldman Sachs bank said I quote ( You have the right to see the information we gathered to make this decision. To request a copy, please contact an Apple Card XXXXXXXX. ) but Ive been asking for the copy of the investigation that they determined to denied my disputes they never sent me these copies since last year till now. I had a good credit score btw XXXX to XXXX but now my credit score dropped to XXXX. I am not responsible for these transactions so I am appealing or asking for a disputes investigation so everything can resolve. Goldman Sachs bank is violating my consumer rights. I dont have money to pay these debits I am not responsible for and also I am asking to fix my credit score/report for me. I worked hard for everything I earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I filed a dispute with all three credit bureaus and the company XXXX ( formerly known as XXXX Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account manager at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the lien was released and the vehicle has been paid off. When calling into TransUnion today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXXTransUnion rep ) stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of inquiries Transunion and XXXX said they can not help me I need to call or send each creditor letter to dispute.
Product: Checking or savings account

unrecognized charges from a company XXXX XXXX  you are not able to dispute all the charges online they only let you dispute 2 or 3 when there are atleast 10 or 16 from this company. They give you a number to call to speak with someone to dispute the claim but you can not get through I was on hold for over an hour on 3 different occasions So I decided to Email the bank request information about the company they emailed me back with another number where you also sit on hold forever
Product: Credit reporting or other personal consumer reports

My credit report is listing me as authorized user of XXXX XXXX Credit Card but I don't open or authorize this account. 

Please remove this account off my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against CBM Services re acct number XXXXxx. I send a letter requesting proof to this debt Early XX/XX/XXXX to confirm if its one mine and also valid and validated. CBM Services did not validate the debt they instead sent improper verification. It was requested that CBM Services send me : Construct with my signature from the provider of service of me releasing my information to them. Also for them to cease any reporting to the bureau until this is resolved. 

Instead they are reporting on my report with a date of service XX/XX/XXXX which is also incorrect. There is false reporting in an attempt to collect a debt that has not been reported and I will proceed with reporting to my attorney general and the XXXX. This account needs to be removed immediately for falsifying information and failing to validate an account with a signed contract. Remove this account immediately from my credit report. 

I have enclosed a screenshot of what they sent back which also shows a DOS difference adding to my falsifying documents mention.
Product: Debt collection

Ownership I have no knowledge of this collection account. 
CONTACT INFORMATION PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I have tried to dispute this account but remains, I would like it removed as it is not mine and I have no knowledge of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple credit card payments were reported late during the covid pandemic with no help to keep negative reporting from hitting my credit report. Was put on a parent plan and made multiple payments to keep credit card from being charged off and credit card was still charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several pulls that I did not sign or allow to imitate. There should only be one, from the company we chose at the end and when I spoke to the others, I did not authorize them to do hard pulls ( and sometimes multiple hard pulls ). I did not realize they did this until applying for a credit card months later. 

Check your credit report when getting a mortgage, there are surprise hard pulls that I did not authorize. The XXXX credit reporting companies won't go engage the companies with the pulls for me and I have to do the work for something they did and I did not authorize at all. This may be common practice, but then its greed and laziness. These companies already leech and get loans at prime rates just to skim off the top and repackage for XXXX and may to help devaluate the dollar.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account XXXX, account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
In accordance with your credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by such debt collector or creditor ; I have had an identity theft clause on my IRS record since XXXX. I am not able to file taxes electronically, I do not understand how certain companies were able to apply for a loan for me when i signed no papers asking for this XXXX loan that is now currently bumped up to XXXX from a business starting with XXXX XXXX XXXX. 
Also Incorrect Information is on my report incorrectly showing accounts are stoill open. Accounts such as : XXXX, XXXXXXXX XXXX, XXXX XXXX where I was authorized user on someone's account that is no longer open is closed due to consumer 's request. 
Also these are the companies refusing to remove these things from my credit report XXXX Dispute Dispute ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute Dispute ( XXXX ) XX/XX/XXXX SBNASELFLNDR Intervention Intervention ( XXXX ) XX/XX/XXXX have been trying diligently for years to recify this issue and I beleieve improper use of my credit report have been shared without my consent right along with credit inquires from unknown sources such as the approval of the XXXX account recently opened. My information has been misuused and distributed based on the fact of my identity theft i have had in place since XXXX with the IRS
Product: Debt collection

I contacted navient to tell them that the " debt '' was fraudulent. They did not respond for over a year and so I thought that this matter was dealt with. During that time they did not send any notification or proof of this " debt ''. According to the law this debt can not be collected because there is a statute of limitations. I have all of the e-mails. I gave them 30 days to respond and they did n't respond for over a year.
Product: Credit reporting or other personal consumer reports

I have listed the complaint several time, The bureau have multiple disputes from side, non of the single time i have received a proper response from bureaus aswell from creditor, The Documents are attached under the attachment section, This should be removed as i know my rights.
Product: Mortgage

So XXXX XXXX made it clear that they sold my mortgage shortly after I sign for it on XX/XX/2023 .. Now according to the u .s, supreme court case XXXX XXXX XXXX ... the court ruled that where a promissory note goes a deed and trust follow .. the deed and the note can not be separated if the note has been SECURITIZED.. Which means M & T Bank does not suppose to have my mortgage because they don't have the original wet ink signature note .. { It has already been cashed in by XXXX XXXX  }
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXXXXXEquifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$1200.00} EQUIFAX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$2800.00} XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX XXXX Balance : {$2800.00}
Product: Mortgage

Freedom Mortgage has a very, very dated website that is extremely glitchy and won't process payments half the time. I paid my bill online, but it did not go through. I was not aware of this. Freedom did not place one single phone call to me to advise me that they never received payment. They called my husband ( co-borrower ) once, but it was to offer a refinance, NOT to advise him that the payment was late. They have marked mine and my husband 's credit ( which has tanked our scores ), and they will not budge and offer a goodwill adjustment. I have sent them the following documentation : 1. Screenshot of my online browsing history showing I was logged into their system, paying or attempting to pay the bill, before the due date. 
2. Screenshot of my checking account balance of the day I was online, with more than the amount available in the account ( which was there, and supposed to go to them ). 
3. A copy of my exceptional credit rating, showing that late payments simply do not happen with me. 

We have sent multiple emails with the evidence I just described, showing that this was a fluke mistake. We emailed all of the executives, including the CEO. The VP of customer service even admitted, in writing, that their IT department found that the system was down while I was online, yet claims they can't amend the 30 day late mark on our credit as it is illegal. IT IS NOT MY PROBLEM THEY HAVE AN UNRELIABLE AND GLITCHY WEBSITE. There are dozens of consumer complaints on The XXXX ( and XXXX, and virtually every other outlet ) website outlining the same problems I'm having. I have paid my bill on time, every month like clockwork, and they refuse to give me the benefit of the doubt. My loan is all paid up and current, and all we are getting from them is " we can't do that '' regarding a goodwill adjustment. They seriously have the worst website interface I have ever dealt with, and payments do not go through. The fact that they DID NOT CALL ME ONE SINGLE TIME to try to rectify the situation, yet they mark my credit. I have proof this was a big misunderstanding, yet they will not budge. This is very unfair business practice. My credit score has tanked from over 800 to barely 700. It's not my fault they have a terrible, glitchy, unreliable website interface ( that many others have complained about ), and it is beyond incompetent that NOT ONE SINGLE PHONE CALL was made to me to let me know they never received payment. Instead they just wait and then ruin our credit.
Product: Money transfer, virtual currency, or money service

I personally contacted Coinbase by phone, and we completed the ID verification process together. They sent me an email with a link to file a police report, along with the necessary documents, including several fake emails that appeared to be from Coinbase. 

The unauthorized transactions began on XX/XX/year>. I had a significant amount of XXXX in my account, which was hacked and transferred through multiple unauthorized transactions. I also contacted my bank, which provided documents showing that these transactions were made using my home XXXX XXXX, even though I did not authorize them. Im not sure how this could have happened, but after doing some research online, I found that similar incidents have affected many others. 

In addition to losing my XXXX, approximately {$3000.00} was also withdrawn from my account since my cards were linked to it. Im currently at a standstill and unsure of how to proceed from here.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information includes : A personal credit card account opened at XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. 
An additional credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the credit card accounts in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that these consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violations inaccurate information sent police report and still on credit report after 30 days
Product: Credit reporting or other personal consumer reports

I have never authorized, consented to nor benetted from the following accounts/inquires please remove the following within 4 business days pursuant to 15 USC 1681n - Civil liability for willful noncompliance : 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX XXXX Inquries : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I got a notification about something on my credit report from. A company that not the company I had the contact with
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has numerous inaccuracies on my report In which the demand I verify the inaccurate information and now they have my complete credit profile block so I cant submit a dispute. They are also falsifying the valIdation process for debt on my credit profile.
Product: Credit reporting or other personal consumer reports

Please correct my name and address across all primary and secondary credit bureaus So that the old read the same, I would like all other missspellings of my name and address, delete it from all records across all primary and secondary bureaus as it is in accurate in violation of like consumer rights to furnish it accurate information. I demand this be corrected immediately. All other spellings or interpretations, invalid addresses, aside from the one listed on my drivers license must be deleted immediately across every bureaus and reporting agency. Any damages, denials financing, or financial hardships resulting from a failure to verify my information will be pursued legally. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a mobile notification that an account had been reported as delinquent due to 30 days past due payment by XXXX. I contacted the customer service number and he stated that he did not show where my account was 30 days past due but that they have no control over reporting. He also stated that they TRY to report accurately. I informed him I am not and have never been 30 days past due on this account. He refused to correct or escalate this egregious error made on my credit report which has drastically damaged my credit portfolio in the eyes of other lenders. 

It is the legal duty of XXXX and Experian to report 100 % ACCURATELY on my credit report. XXXX has reported false information to Experian and instead of Experian doing a thorough and proper investigation they have further irresponsibly reported FALSE and inaccurate information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the background check it says I have an active warrant for something that happened a long time ago and the case was dropped and dismissed I have no idea why it is still in the system please look into this
Product: Credit reporting, credit repair services, or other personal consumer reports

I Tend to pay my bills early or on-time regardless I make sure my bills are paid but recently for some unknown reason and with out any explanation, i receive reports in my email that my credit score dropped with out any explanation what so ever. I went from a very high credit score and lost almost half of it in just 2 months. My score is like my life i really hope i can get info on how exactly i lost so much.
Product: Debt collection

CHOICE RECOVERY XXXX. XXXX this account is a XXXX XXXX violation please delete.I have a a unverified account from CHOICE RECOVERY XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY XXXX and I believe it is a XXXX XXXX violation. I request that CHOICE RECOVERY XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX