23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was contacted on my phone by someone claiming to be from XXXX investigations. They said I had been hacked and that at least XXXX locations had my bank account information and SSN. The person I spoke with identified herself as XXXX XXXX, federal badge no. XXXX. She gave me a case id. of XXXX. She transferred me to someone who identified himself as XXXX XXXX, employee no. XXXX, Asst. Dir. Investigative Dept., US Marshall 's Office, Treasury Dept. He gave his phone as XXXX. He said he was working on behalf of the FDIC. He wanted me to go to my bank and withdraw all my funds and give them to someone who would come to my house to pick them up. When I told him that this was not going to happen, he said I was speaking improperly to a federal officer. He also said if I did not deal with him properly, I would have to appear in federal court in Washington , D.C. I am a XXXX XXXX and appeared in court in D.C. many times, so I suspected this was XXXX. I repeated that I was not going to withdraw my money and give it to anyone. He then hung up. I went to my bank and told them all of the above and assured my accounts were locked down, not available via internet or ATM, just me personally coming to a teller at the bank. I then wrote my bank stating all of the above. Tomorrow when my bank can handle it, I will have them change all my account numbers.

CFPB : Please stop all new accounts being opened in my name or using my SSN.
Product: Debt collection

Professional finance.com keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX. 
When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
Product: Debt collection

On XXXX XX/XX/2025, I received an email from Systems & Services Technologies Inc. ( SST ) stating they would be servicing a loan that had been transferred to them from XXXXXXXX XXXX 

I have no relations nor have I ever opened an account with XXXXXXXX XXXX 

SST is currently sending me Emails for " Authorization To Debit Account '' however I have no accounts related to XXXX XXXX
Product: Debt collection

Fraudulent Foreclosure eviction of XXXX, by OCWEN, being the Servicer to the Original Issued United States Note Application, which ought to have been settled at closing table, from the delivered Credit Check equivalent to the United States Note Application applied. 

Upon the acceptance to fill out a Application for Qualification, to act as Indenture Trustee under the dead-pledged mortgage or deed from trust indenture, under which the Social Security has been issued to be eligible to secure act, which is the case from any Social Indenture Security, that is not required to be registered under the Security ACT of 1933, and includes to confine an allonge to the application for qualification, which creates an automatic set-off compensation, U.S. Note Application, for Federal Reserve Note.
Product: Mortgage

I was approve to start the refinance process onXX/XX/XXXX. Today on XX/XX/XXXX they notify me that the property is no longer FHA approved and they can not proceed. There was a lack of communication throughout the process. They should have inquired in the beginning of the process rather than towards the end. I've asked them to review my phone conversations and to review lack of transparency from the staff.
Product: Credit card or prepaid card

I am a XXXX XXXX XXXX XXXX  and applied for a credit card in my name only. The card company asked for me to verify income, so I used my household income ( my husbands pay stub ). The Credit Card company said that we needed to reapply under his name and I would be denied without proof of my income. I am not sure but I thought CARD act protected my rights to use household income. That I had this protection.
Product: Debt collection

Ncb Management Servi showed up on my credit report several months ago. I do not know this company or the so called debt they say I owe, even though it says XXXX dollars on my credit report. I have sent them many letters asking for the removal of this account on all three credit bureaus. There is no account number associated with this account. My mailbox has been broken into many times and I have reported several fraudulent accounts on my credit report. I would like this company to delete this account from all 3 credit bureaus to rectify this situation.
Product: Debt collection

Representative called on XX/XX/2017 and was going into detail with a third party about an account that they claim is mine
Product: Debt collection

I don't recall having a contractual relationship with this collection company CKS Financial. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

Web administrator acting as dictator over customer account. 
Web app & mobile app displays closed-end account of a false alias when given name is an open end account. Web administrator refuses to give customer name of open credit account. Banker stated on the clerks side of computer ; given name is viewed correctly than on customer side of mobile application a false alias is displayed with closed end credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 my student loans were transferred from Nelnet to a different servicer, XXXX. These loans are still showing as being active with a balance due to Nelnet on my credit report but they are not, as they have been transferred to XXXX and as a result were fully paid on Nelnet 's end. Nelnet had not reported any updated information to XXXX credit reporting since then. I filed a dispute with XXXX and contacted Nelnet, Nelnet stated to me that this information was correct and they would send updated information to XXXX that would remove these loans from my credit report. They did not, instead they reported the balances as being higher than the last report and that they are still actively due.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report once more, I discovered that some of the information was erroneous. The following account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX Balance : {$230.00}
Product: Credit reporting or other personal consumer reports

Remove credit acceptance off my credit report Im a victim of identity theft and that account doesnt belong to me
Product: Debt collection

Harassment attempts by PayPal to collect debt, they have erased my accounts from their systems and are dodging any attempts by me to contact them to attempt to fix the issue causing discomfort to my parents house which they have been blowing up via cellular communications. Their website and customer service system is designed in such a way that you are unable to get through to speak with a representative or even access the system if you are locked out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a total of 7 checks spent with XXXX XXXX XXXX XXXX in XXXX XXXX Michigan that were returned for insufficient funds. I paid all of this off in full as part of the XXXX XXXX prosecutors bad check diversion program. The checks were issued in XXXX. The payment in full was in XX/XX/XXXX. However, these still show as unpaid on the Transunion credit report and are a delinquent mark that continues to limit my credit score. I have tried to correct this with them but they are unresponsive. I would greatly appreciate it if this was corrected to reflect the actual status.
Product: Student loan

I took a private loan out during my undergraduate courses. The original loan was for approximately {$12000.00}. The original loan was taken XX/XX/XXXX and I started to make payments XX/XX/XXXX. As of this date I am still at {$16000.00}. This does not make any sense to me as I have made consistent payments since that time. Additionally, I made a payment for my monthly bill before the auto deduction occurs due to moving and wanting to ensure that my payment was made. They still took out the auto deduction causing me to overdraw my bank account and receiving additional NSF charges. I would like for your agency to look into their practices as I really can not explain why I am still no closer to paying off this loan than I was XX/XX/XXXX. AES Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to Transunion still refused to follow demands of the law which are my rights.... To Whom this concern. Please forward to person of interest. I am writing to dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on credit report. The balance listed on the account is incorrect, YOU MUST DELETE the account, you are NOT AUTHORIZED TO RETAIN NOR REPORT, doing either is a CLEAR INFRACTION of the FCRA and certainly UNJUST INFRINGEMENTS upon my CONSUMER and or CIVIL RIGHTS, either being REMEDIABLE in a CIVIL COURT via MONETARY AWARDS to me for EACH VIOLATION and EACH PERIOD of which you CONTINUE YOUR MIS-REPORTING of this OBVIOUS and ILLEGAL MIS-INFORMATION. YOU MUST ANNUL the ACCOUNT ALLEGATION and ALL ASPECTS of it TODAY, HERE AND NOW so DO SO to RETURN to or RETAIN lawful REPORTING!
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : 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, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX XXXX XXXX NC XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 

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 card or prepaid card

I disputed a purchase in the amount of {$250.00} for services/merchandise I did not receive. Without investigating my dispute, Capital One closed my dispute, claiming I did not supply requested information. Capital One never sent me any request for information, nor did Capital One state what requested information was required. Capital One is engaged in a policy and practice of ignoring disputes in violation of federal law.
Product: Credit reporting

As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. 

In attempts to clear my credit I requested assistance to the CFPB and completed and forwarded XXXX fraud packet as requested to XXXX the original creditor as well as the police report and too date, I have had no response or communication from the original creditor or its collection agent and its still being reported by Trans Union credit bureau. 

My previous dispute was initiated because of this fraudulently opened account and i am a victim of identity theft. I wrote to the credit bureau about the collection company and disputed the debt reported by XXXX XXXX and its credit collection agent and and have had no response from Trans Union or any assistance in clearing this inaccurate information. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Product: Debt collection

1. I sought help of CFPB on this matter before and thought it was resolved earlier this year. However, Capital One has submitted the issue to XXXX XXXX, XXXX in the amount of {$3600.00}. 
2. I had offered an affordable payoff but it was ignored. I later offered settlement that was affordable and it too was ignored. Explained that COVID-19 devastated income but still no relief from Capital One. 
I have attached copy of the XXXX XXXX, XXXX from Capital One.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this statement in reference to a dispute concerning inaccuracies within my credit report. Below is a summary of my concerns and the request for further investigation : I hereby request confirmation that all information being reported on my credit file is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ), as well as any other relevant consumer protection laws. I expect that only current, true, correct, and complete data will be retained in my file. Any information that fails to meet these standards and does not comply with applicable regulations must be immediately removed.

I DO NOT authorize the reporting of any inaccurate or misleading information, whether past, present, or future, and I require that a thorough review of my credit file be conducted to ensure full compliance with the laws governing credit reporting. It is my legal right to demand these corrections, and I request prompt action to resolve this matter. 

I have identified specific information that I believe is inaccurate, and I demand that you investigate the following discrepancies. Please review my attached dispute letter for a detailed list of the issues in question. 

I trust that you will handle this matter with the utmost priority, as I am entitled to a credit report that accurately reflects my financial history. I kindly request written confirmation of the actions taken and any updates regarding the results of your investigation. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the numerous attempts and disputes I have made to remove a charge-off from my credit report. Despite multiple efforts to address this matter, the inaccurate entry persists, adversely affecting my creditworthiness and financial standing. 

I have diligently followed the dispute process by submitting multiple requests for correction through your online dispute resolution system. Additionally, I have provided supporting documentation, including proof of resolution or any agreements made with the creditor. 

Despite these persistent efforts, the charge-off remains on my credit report, causing potential harm to my XXXX XXXX and overall financial health. 

I am formally requesting a thorough investigation into the charge-off mentioned above and the immediate removal of this inaccurate entry from my credit report. It is crucial that my credit report accurately reflects my financial history. 

Enclosed with this letter are copies of the supporting documents previously submitted, including proof of resolution and any correspondence with the creditor. I trust that this information will assist in the swift resolution of this matter. 

I kindly request a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the accurate account information. I am asking for your assistance to remove charge of account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit card or prepaid card

After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my capita l one payment for the month it was declined because of the erroneous purchases. I paid capital one immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted Capital One and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Capital One is acting UNREASONABLY, as i have had the a ccount since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX notice these two creditors had pull my report without my permission
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

correct XXXX please correct the fraud alert on all bureaus potentially negative icon Potentially Negative StatusPaid in settlement. {$430.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$2000.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$1500.00}
Product: Checking or savings account

Hello good morning already contacted you guys on XX/XX/XXXX pertaining the same issue. This is just an update showing that they are still processing transactions on my account even after it was closed. My account was closed with XXXX dollars on there and every day I've been waking up since then I've been receiving emails saying that there is a different amount, and that it is negative or overdrawn by a certain amount. I have all of this evidence. I have no idea why it is negative at all and why there are transactions being made without my concent!!! I DID NOT make any purchases that would have overdrawn my account. I pay very close attention to the money in my account, and I would have never made that mistake. I always purchase something and then lock my car right after. There would be no room for me to have had anything overdrawn. I just want my money back! Since my account was closed for no reason! At first, it was XXXX and something dollars and then it was XXXX something dollars and now it's saying it's XXXX and something dollars. All of the starting balances are different which doesn't make any sense why would all of my starting balances be different?
Product: Credit reporting, credit repair services, or other personal consumer reports

These two companies allowed someone to use my personal information without my permission to apply for credit cards.
Product: Prepaid card

I received a physical Amex Gift Card in the amount of {$1000.00}. I have confirmed that the card is activated, and the issuer 's website XXXX XXXX XXXX  confirms that the card is active. Every time I attempt to use this on XXXX, the transaction is declined no matter how small the charge. I experienced similar trouble at many other online retailers. I was able to make one purchase for {$100.00} at XXXX, but have been unable to successfully use the card at any other point. I have checked online forums, and many people have reported having this problem starting this past year. There remains a balance of {$900.00} on the gift card that I have been unable to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit bureau –XXXX credit report.  It showed an inquiry by your company twice that I do not recall authorizing.  It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Also, I want to dispute this account XXXX XXXX XXXX XXXX You are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. Please correct these accounts.