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

Requested on XX/XX/year>2025. Attempted to log in to Equifax, it only loops you around from login, forgot login user name ; sends you your user name via email, copy & paste into User Name, put in password, says password is incorrect, Reset Password. Click reset password, says put in your user name ( which is my email address ) then says wrong email that I literally copy & pasted from the email they sent me. I request password reset again, and it says wrong email address, send email for your user name ( which is still my email address ). Called tech support - there is no tech support. Requested human. Hangs up on you. Call back, loops you through at least 5 voice menus and puts you on hold, never able to talk to any customer service agent. Requested a verifcation code by mail. 
On XX/XX/scrub>/2025 I received my verification code, put in my email address and Equifax states that they cant verify my verification code THAT THEY SENT TO ME AND TOLD ME TO CALL THE CUSTOMER SERVICE LINE THAT NO ONE ANSWERS!!!! 
This can not be legal that a company such as a credit bureau can manage so much of anyones personal data & hold so much sway over XXXX XX/XX/XXXX Peoples lives in the United States and they can function without an actual manned customer service line with actual people to assist.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$12000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} I.C. SYSTEM, XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00}
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 federal protected consumer rights to privacy and confidentiality under 15 usc 1681. 

i told experian, XXXX, and XXXX to reinvestigate these accounts account name : XXXX XXXX XXXX XXXX  : XXXX XXXX however, they stated everything was completely accurate. But how is that possible if the open date, date of last activity and much is incorrect.

according to 15 usc 168 1i ( 5 ) they are supposed to modify accounts that isnt reporting correctly 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 then records of convictions of crimes which antedates the report by more then seven years 15 u.s.c 1681s=2 ( A ) ( 1 ) A person shall not turmish 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 also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Credit card

Chase claim XXXX XXXX and XXXX I asked Chase to help me dispute a {$440.00} charge from XXXX XXXX and provided clear documentation with USPS tracking details. The tracking details clearly shows that XXXX XXXX ( the Original Sender ) shipped it out via XXXX on XX/XX/2023. XXXX tried to deliver on XX/XX/2023 and it was refused by the recipient. XXXX then returned it to the merchant ( the Original Sender ) on XX/XX/2023. However, the merchant refused to issue a refund. Merchant responded to Chase that they never received the merchandise. However, XXXX website clearly indicated that the package was returned to the merchant ( the Original Sender ) on XX/XX/2023. 

However, Chase still decided to side with the merchant twice given clear evidence that I never took possession/received the products and furthermore USPS successfully returned it to the merchant. When I called Chase dispute department, their response was that I had proof that the merchant took possession of the returned merchandise. However, the tracking shows USPS returned it to the merchant ( the Original Sender ) on XX/XX/2023. If this is not sufficient proof, then the pillar of the modern e-commerce would no longer work. Most of the packages delivered nowadays do not require a signature and video proof. And the modern e-commerce relies on tracking information provided by shipping companies including USPS as evidence of delivery. Chase 's decision to side with the merchant is clearly mistaken and biased.
Product: Mortgage

My mortgage recently was sold to Fifth Third Bank from a different lender. Fifth Third Bank has almost no customer service to speak of. Their website won't let me create an account, when I call into customer service to resolve it is 30-60 minute wait time with no solutions from the representatives. No online chat help. Oh plus they already failed to fund my home insurance via escrow in the first month. Homeowners insurance policy was canceled. My mortgage, my home, should not be sold off to such a unresponsible company. Their horrible customer service is a built-in feature, not a bug, used to discourage customers from resolving issues. Unresolved customer issues eventually result in fines and fees being weighted on the customer. 

This is the 3rd time my mortgage has transferred lenders in 12 months. The other two banks were a breeze to work with, XXXX has been horrerdous. STAY AWAY FROM XXXX.
Product: Credit reporting or other personal consumer reports

While trying to purchase a vehicle I learned my credit was frozen. I did not freeze my credit and need to unfreeze it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau received my certified mail dated XX/XX/2020. To investigate a report on my credit file about a Bankruptcy. I have a letter from the court stating that they don't report anything to the credit bureau. I also freeze all my information through XXXX. I received a letter from Equifax that they have verified. That is misleading and fraud by not really contacting the bankruptcy court to verify such information.
Product: Debt collection

My problem is with Home Finance XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX this company requested my credit report without my permission on XX/XX/2018 that's not the worse they came to my house with saying they would have police come to my home I wasn't 10 day pass due. Then they called my sister-in-law about my payment I didn't use her as a reference.
Product: Debt collection

I had a XXXX Card thier were some issues with the card so I made an agreement to have the card cancelled and pay the debt off, I did so. Now it is showing up on my credit report as a COLLECTION. I have no idea how this happened when I honered the agreement I had with XXXX.
Product: Payday loan, title loan, or personal loan

I entered into union XXXX XXXX, Wich is located in XXXX XXXX XXXX XXXX nj, applied for a auto loan, I was told that I would need a co sniger to get the loan, I didn't have a co sniger so I left the dealership. 
Five months later I started to receive invoice for payment for a vehicle that I didn't have in my possession, so I tried to sue the car dealership for farud, they had a lawyer and I didn't so my case was dismissed.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX Account # XXXX - delete immediately - update monthly payment amount - show documentation of how the late payment reported on XX/XX/XXXX was confirmed to be accurately reported and verified. 
- How much was paid XX/XX/XXXX? 


XXXX. XXXX XXXX XXXX account - delete account I do not want Experian to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 

XXXX. XXXX account ( this account is reporting negatively, within the payment history it is coded as collection account instead of closed, provide documentation showing this was or is a collection account, provide proof that this account was late or owed a balance ) - delete account I do not want Experian to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 

4. Dept of Education - delete account I do not want Experian to report this account - update status date - update balance - update monthly payment amount - How much was the last payment amount? 
- Provide proof showing there was no payment made on XX/XX/XXXX, the report shows previous month to be on time yet the following month shows 90 days past due. 
delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureaus. I have been trying to fight against fraud that happened at my school ( XXXX XXXX online division ) since 2010. All of my expenses were covered under grants and student loans. I was told I would not have to pay until after graduation. I was lied to and a victim of financial fraud when just before graduation the school slapped me with {$10000.00} bill they said I had to pay before I could graduate. I couldnt afford it, obviously, so the school removed my credits ( I have all ready sent proof that I technically graduated to the DOE multiple times ) and stated I didnt finish all of my credits. I was on track to graduate with a very high GPA, never missed a class, never missed an assignment. They XXXX me and its caused a massive financial hardship since. Its destroyed my credit, prevented me from furthering my education, getting decent jobs, a cant get a mortgage etc. I have asked the DOE to prove I graduated and received my diploma ( Ive proven I havent ) or to forgive my loans and remove all negatives from my credit report. This is the LEAST they could do for ruining my life. They stated I missed some sort of deadline which is false. I reached out everywhere I could think of after it happened but got blown off. Not much later my school closed because XXXX went bankrupt ( that started near the end of my classes ) and the deceit was finally exposed. I even forwarded the correspondence to the DOE with the emails I received regarding this. All I ask is for the DOE and credit reporting agencies PROVE I am wrong. If they cant, they need to wipe my records clean, wipe my loan because I owe a large amount of money for a product I didnt receive ( no fault of my own ) or we will end up in a civil battle for WAY more than the value of my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying for a monthly service through Experian, there have been two additional collections accounts placed on my credit report. I do not owe the money which has been added to the report and a credit lock, fraud alert has been in place for several years. The most recent fraud alert was added this month. Someone in XXXX, Florida has added a {$200.00} consultation fee to my credit report twice. The collection is not my account, and I have not received any consultations in XXXX Florida. When calling the number listed at the Experian website several times, there was no answer. When accessing the online account there was again, no access allowed to dispute the added collection. The monthly fee has already been paid and was about {$25.00} per month last couple of months service fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX According to 15 USC 1692c ( c ), I am hereby notifying you in writing that I refuse to pay this debt and demand that you cease all further communication with me, except as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is reporting twice on my credit report. Once by the original debtor and one by  the company that purchased the debt. This is still showing as derogatory XXXX/ XXXX  XXXX and XXXX XXXX XXXX XXXX. This is hindering me from purchasing a home due to the derogatory status.
Product: Mortgage

Predatory Servicing- NewRez LLC XXXX ShellPoint Mortgage Servicing XX/XX/XXXX XXXX sent XXXX Notice of Intent from ShellPoint to foreclose. First attempt was XX/XX/XXXX. 

Trial and Final Judgment dated XX/XX/XXXX and dismissed with prejudice. 
Shellpoint ignored final judgement details for XXXX years and now is creating a new default date " to be in compliance '' with a judgement of XXXX  years ago. In doing this after XXXX years- which they could have done long ago- they have now created a new default date on an offer I was never offered and a much larger amount due from XXXX years ago. 

Missing payments- never applied for XXXX  years ; abusive and deceptive servicing Fabricated delinquent dates XXXX  in an effort to foreclose on a default I never had in the first place. I spent thousands of dollars of legal fees for over XXXX years trying to get the judgment enforced. In those XXXX years no one ever adjusted the balance or credited the payments I paid and have cancelled checks for nor offered me any payment plan as they should have over 6 years ago. ( XXXX years previously with another servicer ) Please see attachment
Product: Student loan

After graduating from XXXX XXXX XXXX XXXX, I had approximately {$26000.00} in school loans consisting of both private and federal loans of which {$21000.00} were paid over time. About XXXX months ago I received a notice that I will not have to pay the rest of my loan off due to XXXX XXXX engaging in fraudulent activity. I alerted Navient of this about XXXX years ago and decided to stop paying my loan which impacted my credit score negatively. Of course I had to then continue to pay my loan because Navient threatened to garnish my wages and continue to impact my credit with XXXX day late notices. I paid my loan down to about {$5600.00} in XXXX when I received notice that I dont have to pay the loan anymore due to XXXX being found guilty of fraudulent practices.
Product: Credit reporting or other personal consumer reports

After not being able to access my online account on XXXXXXXX XXXX XXXX XXXX  I called Equifax number per message on the computer " Please give us a call We can't complete your request at this time. Please call the Customer Care team XXXXEQUIFAX ( XXXX ) ''. I spent 10 minutes on IVR system Validating and selected option to speak to representative. The representative told me my validation didn't go through. I said " you got ta be kidding me ''. After all that time on the IVR, really ''. I was asked again for mre information, They wanted my full SS ( Irefused and offered my last 4 of my SS ), tI gave my name and address, telephone number. The representative said he was sending a text message but asked if I had another email address? I asked to speak to a Supervisor after the representative informed me I had to upload Front and Back of my Drivers License. I asked If verifying my accounts, Amounts on those Account my Birthday SS, address, how will my drivers license " prove to you who I am after providing you with so much information already ''? I was told there was no guarantee after doing so would validate me either. This has been " the worst experience I've had with Equifax ''. They were refusing to provide me with my credit report to dispute adverse information. I asked if the representatives I was speaking with were in the US the Supervisor refused to acknowledge. I asked How do I know who you are if you can't verify what country you're in? I'm very disappointed that Equifax makes you jump through hoops when you provide them with correct information but can't keep your information safe anyway.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment resulted from a misunderstanding regarding the payment due date, which was incorrectly communicated to me by XXXX  XXXX. I made the payment on time according to the information I had, but due to this miscommunication, the payment was recorded as late. This does not accurately reflect my payment behavior, and the late payment mark should be removed. 
Evidence Provided : Bank statements showing the payment was made according to the information provided. 
Correspondence from XXXX  XXXX acknowledging the communication error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Student loan

I have filed XXXX complaints with the CFPB on Nelnet about this same issue, and they keep doing it. They are sending me confusing and inaccurate information. I filed the first complaint on XX/XX/XXXX, the second one on XX/XX/XXXX, and the third one on XX/XX/XXXX. 
Nelnet has sent me XXXX in-school deferment letters stating that my loans were approved for in-school deferment. One is dated XX/XX/XXXX to inform me that my request to defer my student loans, which they labeled as XXXX XXXX ( consolidated loan balance {$280000.00} ). One is dated XX/XX/XXXX to inform me that my request to defer my student loans, which they labeled as XXXXXXXX XXXX  ( consolidated loan balance {$96000.00} ). One is dated XX/XX/XXXX to inform me that my request to defer my student loans, which they labeled as XXXX XXXX ( loan balance {$10000.00} ). 
I XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX and requested an in-school deferment at that time. They initially approved it and then sent me an email saying my deferment was ending a few weeks later. This is why I submitted the XXXX complaint to the CFPB. Their website also was not functional and I couldnt even log into my account. This is why I submitted the XXXX complaint to the CFPB on XX/XX/XXXX. 
I just received an email from Nelnet informing me that I had correspondence from them in my online account. I just retrieved the letter, and it states that my next payment for my loans is due in XX/XX/XXXX. The letter states : We recently sent you a letter to let you know your payment delay period ( deferment, forbearance, or six-month grace period ) would end soon and your accrued interest would be capitalized ( added to your principal ) if it was not paid by the end of the deferment, forbearance, or grace period. This statement is a lie and is a false statement from Nelnet. I am attaching the copies of all of my in-school deferment letters that I have received this year. 
Mind you, I have been approved for in-school deferment for Group XXXX and XXXX XXXX until XX/XX/XXXX. I have been approved for in-school deferment for XXXX XXXX XXXX XX/XX/XXXX. 
I am so frustrated with these mistakes that Nelnet is making providing me with inaccurate information about my federal student loans. XXXX XXXX XXXX XXXX XXXX  I have been approved for in-school deferment. There should not be a payment due on my loans. Nelnet should not be sending me these incorrect letters over and over. Why is nothing being done about this with me having filed XXXX complaints with the CFPB?
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX, XXXX XXXX P XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX