23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Avant credit card I had received a letter in the mail saying my address was changed and I looked on the app and my address had been changed I called avant and started talking to them explaining this was not my address and I did not change it. Then I received a letter saying a new credit card was being shipped to this new address, I told them this was not m, e and to stop it. Of course they didn't stop it they let fraudulent transactions go through with aa different card in another state. I called multiple times finally had them taken off and another added right back on and I called again. I finally got the address changed still have no t received another credit card but yet another charge from the same fraudulent activity and card in another state was added right back onto my account and they wrote me back saying I'm responsible. I haven ' had access to my account or my card I called and warned the company before any fraudulent activity happened and they still let it happen and they say I'm responsible for a charge at a store in another state hundreds and hundreds of miles away how is this fair? I haven't been able to use my account in months have had no card. this is lack of respect of human decency from this stupid credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, AL XXXX XXXX   XXXX  XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX MY EMPLOYER IS XXXX MY DOB IS XXXX MY SS XXXX MY NAME IS XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from DISCOVER FINANCIAL SERVICE, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that DISCOVER FINANCIAL SERVICE is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX PA, XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TERRIBLE! Experien is TERRIBLE! 12 phone calls, to 9 different numbers, over the course of an hour!!!!! On hold, got a real human, then on hold again! Phone system disconnects you too ... 

I called the number on their website and it doesn't work. I called the number on my credit report, and it doesn't ; t work. 

I filed a dispute online, BIT some of the items that I need to dispute are not able to be filed online!?!?! 

XXXX????? 

How am I supposed to resolve things?
Product: Credit reporting or other personal consumer reports

I want to place a freeze on the Consumer Credit Reporting Companies, XXXX, XXXX, and XXXX that provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance.
Product: Debt collection

This debt is reporting to all 3 credit bureaus and is effecting my credit. This debt is not mine. I have reported theft of my identity. I never signed a contract for this.This debt is reporting an amount of {$620.00} owed, stating it was open n XX/XX/2016
Product: Money transfer, virtual currency, or money service

In reference to CFPB complaint ID XXXX, I called Remitly 's customer support phone as indicated in Remitly 's Response on XX/XX/year> regarding resolution proposed by Remitly via The CFPB. 

Remitly customer support seem to have XXXX idea about this reponse and suggested I emailed XXXX. Who also had XXXX idea about this matter and in turn referred me back to customer support via chat or phone again to repeat the whole cycle over again.

Which is strange because whom ever handled this case did not put a note on my account to make it easier for Remitly customer support to understand what was going on.
Product: Mortgage

Ocwen has made many mistakes. 
Last one was including a borrower that wasn't on the loan.

Ocwen has started foreclosure proceedings and endangering the household.

With the foreclosure filed strangers drive by all hours of the night especially while homeowner works at night.

Ocwen keeps delaying saying that they haven't received my filed personal taxes when in fact in their own email they say they have received them With that delay Ocwen won't review the complete package and submit for a loan modification so we can keep our family home and get rid of the foreclosure.

I am ready to make a mortgage modified payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and XXXX about the fraudulent student loan accounts on my credit report. I have submitted a federal trade commission affidavit, police report and notarized letter explaining the fraudulent information. I demand for the information to be blocked and removed per fxra section 609.
Product: Credit reporting or other personal consumer reports

Transunion website is the absolute horrible site when disputing items on your credit report or even getting your credit report or credit score. This credit reporting company shouldn't even be in business anymore!!
Product: Debt collection

18 U.S. Code 1028- Fraud and related activity. Knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification I want this matter to be investivated, and all these inquiries off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1601 - U.S. Code The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To get all the following inquiries off my credit report.
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. 


Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX 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 a 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: Checking or savings account

My card was FRAUDULENTLY charged {$37000.00} by someone and used on XXXX. I never authorized or made this purchase on my account or ANY account. My card was on file with the merchant XXXX  but I never made a purchase or authorized a purchase of {$37000.00}. I have filed and have an active FBI Complaint against the company and person I suspect involved as I was the victim of a financial scam that Ive informed NAVY FEDERAL about. My debit card was not in my possession at the time this charge of {$37000.00} was made on XXXX

NAVY FEDERAL denied my CHARGEBACK claim for the {$37000.00} and did NOT THROUGHLY INVESTIGATE who made this UNAUTHORIZED and FRAUDULENT charge from XXXX  on my debit card. NAVY FEDERAL gave unsubstantiated reasons why they didnt honor the claim, but I was supposed to be covered by their ZERO LIABILITY POLICY and they were supposed to PROVIDE a PROVISIONAL CREDIT and never did that also. 

I NEVER participated, Authorized, or Approved any charge in the amount of {$37000.00} from XXXX or any other retailer. 

PLEASE HELP ME and tell NAVY FEDERAL to chargeback this FRAUDULENT and UNAUTHORIZED charge of {$37000.00}. Me and my family are in the process of filing BANKRUPTCY now because of this DEVASTATING FRAUDULENT CHARGE. We are in a lot of DEBT now with multiple CREDITORS. 

PLEASE return whats rightfully ours.
Product: Debt collection

AR resources has been calling using automated services asking for me by my previous married name which I havent been since 2009. I have told them to stop calling me because they wont give me proof of debt or anything even though they said they mailed stuff. I asked them to stop contacting me and they are calling me all hours of the night and the lady this morning told me to just pay my debts and they wouldnt have to deal with me! I dont owe anything! They WONT STOP CALLING!
Product: Student loan

During XXXX I was in XXXX XXXX repayment plan. During that 5 year period I paid 60 months worth of school loan payments. According to the waiver for public loan service payments can be broken up and paid in lump sums. These payments should be credited to my XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint regarding an other account I had with the same lender report in accurat late payment when I was never 30 days late They then removed the late and went into my other account I have with them that has payments auto drafted and added 3 late payments to my other account Since the payment is auto drafted is draws directly out of my account on the exact date its due 2 payments were reversed but they went through on the second try. There was never a 30 days late payment on my accounts prior to me making the complaint on my first account
Product: Debt collection

Jefferson Capital is appearing as an open account on my credit report. I do not believe the debt on my credit report is valid as I have never done business with this company or entered into any agreements with this company.
Product: Credit card or prepaid card

XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$75.00} - did not receive the statement XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$100.00} - did not receive the statement XX/XX/2020 PURCHASE INTEREST CHARGE Fees & adjustments {$130.00} - did not receive the statement
Product: Debt collection

On XX/XX/2025 I was served by the XXXX XXXX XXXX XXXX office regarding legal action BC Services was taking against me for alleged medical debts owed to XXXX XXXX. On the same day, I sent and email to the email provide in the complaint, XXXX, but my email was blocked by the recipient. I then sent the same email requesting debt verification to XXXX, only to have my email blocked. I then, at XXXXXXXX XXXX on the same day, called BC Services and spoke with XXXX XXXX who claimed to be the paralegal for XXXX XXXX XXXX XXXX who is the attorney at BC Services handling the matter. XXXX XXXX instructed me to email her because she worked closely with XXXX XXXX and he would just send it to her anyway. Doing as instructed, I emailed XXXX XXXX at the email address she had provided as XXXX. Once my BC Service took the extraordinary and improper steps of blocking email communications in a deliberate effort to avoid fulfilling its legal obligations. 

As a result of their actions, I was forced to file an answer to their complaint with the court outlining that BC Services has not provided verification of the alleged debt as required by law. They have failed to provide evidence of its legal right to collect the alleged debt in accordance with state and federal laws. The filing fee in XXXX XXXX XXXX is {$110.00} per filing. Should they continue their legal pursuits it will cost me thousands of dollars to defend myself from their actions. 

On XX/XX/2025 I received a XXXX XXXX of what BC Services filed with the court. Upon review of the documents filed, BC Services filed as an exhibit a document from XXXX XXXX containing XXXX protected information. They document filed contains medications provided as well as XXXX XXXX XXXX Codes. The document says explicitly " This is not a bill ''. This further demonstrates BC Service continued disregard for the laws which govern debt collectors and health care providers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX loan and instead of Experian increase my score, they brought my score down 2 points. I would like them to fix it since I paid off a loan and have the right for my score to go up not down. Experian rarely give any increase on my credit score like the other credit bureaus do. Experian likes to keep my score down for no reason.
Product: Payday loan, title loan, or personal loan

Since Friday of last week, XX/XX/2023 I have been told that I was approved and was to receive my funding on Monday XX/XX/2023. I have XXXX  and XXXX  currently and needed my granddaughter to speak for me. I sent in everything requests and even set up auto pay and picked the date of when my payments will be deducted and they still won't speak to my granddaughter or send me my money. I have SEVERAL calls and emails to prove such. I just want my money. Can you please help me? 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Dispute of Inaccurate Information Due to Identity Theft Dear Experian Dispute Department, I am writing to formally dispute inaccurate information contained in my credit report as a result of identity theft. I discovered that fraudulent accounts and inquiries have been made in my name without my authorization. I am requesting a thorough investigation into this matter and the removal of all inaccurate information from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 
Below are the specific items on my credit report that I believe are fraudulent : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN AMOUNT OF XXXX In support of this dispute, I have enclosed the following documentation : A copy of my government-issued photo ID ( e.g., drivers license or passport ) A copy of a utility bill or other document to verify my address A completed Identity Theft Report filed with the Federal Trade Commission XXXX FTC ) Under Section 605B of the FCRA, I request that Experian block the reporting of the fraudulent information. Furthermore, Section 611 of the FCRA requires credit reporting agencies to conduct a reasonable investigation of disputed information and to either verify its accuracy or delete it from the credit report within 30 days. 
I also request written confirmation once the investigation is complete, along with an updated copy of my credit report. If Experian determines that any of the disputed items are legitimate, please provide detailed documentation supporting their validity. 
Thank you for your prompt attention to this matter. Please let me know if additional information is needed to assist in your investigation. I look forward to resolving this issue quickly. 
Sincerely, XXXX XXXX XXXX I have tried multiple times to fix this illegal situation with Experian. They keep dragging out the process and try to say they do not receive items from me that they do. They are not doing a true investigation and i have proof as XXXX has already said they have agreed to remove my item and Experian says that they verified it so i have caught Experian in lies and there is no way to verify these accounts as they was made fraud. Experian is depriving me of my consumer rights and this is affecting my life. attached with all of this is my identification my ftc report and bill for proof of address experian will try to say they did not receive these items and try to drag out ways saying they are not valid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed errors on my credit report with Trans Union, XXXX and XXXX  several times. Specifically the last time where it was verified with a return receipt they received my dispute on XXXX 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.
Product: Credit reporting or other personal consumer reports

someone has been trying to purchase a car in my name. its 20 inquiries on my credit report that i didnt authorize. im also a victim of XXXX data breach and XXXX is the worst to remove these inquiries. i have sent documents for over 6 months and they refuse to remove these item.
Product: Mortgage

Lender liability, Briefly, lender liability law says lenders must treat their borrowers fairly, and when they don't, they can be subject to borrower litigation under a variety of legal claims. 
The Mortgage company XXXX XXXX XXXX ) has refused to apply distributed verified funds in the amount to bring loan to a paid in full and current status additionally XXXX XXXX XXXX has moved forward with foreclosure and sale date regardless of verified wired funds from a government entity providing proof, with a tracking number. Again the XXXX XXXX only response was it will be escalated, wait to hear from someone. 
Servicer company refuses to return calls, only to be told, the matter has been escalated This matter has been ongoing since XX/XX/2023 up until current date XX/XX/2023 Below are the email notifications from the XXXX  Mortgage XXXX XXXX Mortgage XXXX XXXX Dear, For your application XXXX to the XXXX  Mortgage XXXX XXXX XXXX funds have been distributed to your mortgage servicer on your behalf based on the amount due provided by your servicer. We are currently awaiting confirmation that those funds were applied to your loan. 

While we are working with your servicer to ensure a timely response, we encourage you to also reach out to them for more information. You will receive a confirmation email from the program once your servicer has verified that the funds have been applied to your loan. 

To review your application, you can log in to the XXXX XXXX here : XXXX XXXX XXXX If you have additional questions, you can email XXXX  Mortgage XXXX XXXX through the Message section in the XXXX XXXX. 

Regards, The XXXX  Mortgage XXXX XXXX XXXX Mortgage Relief Program Dear, Thank you for submitting your application for the California Mortgage XXXX XXXX. The program has distributed funds to your mortgage servicer, but as of XX/XX/2023, your mortgage servicer has not verified that the funds have been applied to your loan. 

To ensure the funds sent by the program have been applied, we are asking you to reach out to your servicer, as we are, to confirm that the funds are posted in a timely manner. You will receive a confirmation email from the program once your servicer has verified that the funds have been applied to your loan. 

To review your application, you can log in to the XXXX XXXX here : XXXX XXXX. If you have additional questions, you can email XXXX  Mortgage XXXX XXXX through the Message section in the XXXX XXXX. 

Regards, The XXXX  Mortgage XXXX XXXX XXXX
Product: Student loan

I'm having several issues with Nelnet. My loans were transferred in XXXX to their company from Great Lakes. I had no issues with Great Lakes, in fact, my experience was excellent. 

On XX/XX/XXXX I received an email stating that I had an incomplete IBR Application that was recently submitted. I've not submitted any new IBR applications since XXXX XXXX and I had the concern that this was false information. I attempted to call NelNet, and was given a 90 minute wait time. Unfortunately, with work, I do not have the ability to wait on hold for 1.5 hours during the day. I went back through, and StudentAid.Gov confirmed in XXXX XXXX  that my IBR was received and approved for 12 months. I'm not sure why Nelnet is sending me information as such. 

The second issue I'm having, is Nelnet is showing my loan as " past due '' or " late '' when it's in fact been paid each month. I'm on an IBR SAVE plan, and I pay the amount due each month. Nelnet confirms they've received my payment, but then marks my loans as past due, and shows warnings that I need to make a payment after I've already paid and it's been processed. This didn't seem like a big deal until yesterday, XXXX when I received a formal email from StudentAid.Gov stating that Nelnet reached out to them saying I missed a payment. I immediately logged into the website, and sure enough, my payment was received for XX/XX/XXXX, processed, and the website shows my next due date isn't until XXXX XXXX XXXX. I'm really hoping this incorrect information does not make it to my credit report. 

I've attempted to contact Nelnet via email, which they're stating " Sorry, we're experiencing a delay in our replies '', as well as via the phone. Each time I call on the phone, there's a minimum of 90 minute hold times, and once was quoted 30 minutes, only to sit on hold for 75 minutes before having to hang up. 

The third issue I'm having is with their website. It seems to be down a lot, and when attempting to login, I'm given an authorization code, which never works. Copied direct from the text or email, it seems to fail at least every other time I login. As such, I'm frequently locked out of my account, and have to reset the password, even though my password and authentication code were correct. 

I'm not sure what else to do. I'm paying my loans as I should, and I'm being threatened with action for " missed payments '' that were already processed weeks ago.