23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have called IQ DATA 5 times. 

I was not verified on XXXX of those calls by ssn or dob the only verifiable information was the account number and the mini XXXX was not read on 3 of those calls. 

The information provided in the call was rushed through and I asked for them to send me validation and proof that they are licensed to collect the debt in the state of Texas The representatives were rude and over talk you when you start asking questions. 

I called the XXXX XXXX XXXX and was told they use a company called XXXX collections and that is it the company my credit report. 

I never entered into an agreement with this company and have not agreed to any debt. 

The dates reporting on my credit isnt accurate either and the amount owed is ridiculous. 

Please help
Product: Student loan

I have been trying to resolve a student loan payment adjustment issue with SoFi for over two months. I made a payment of {$1300.00}, which was supposed to be adjusted to my new loan account, but despite multiple follow-ups, SoFi has failed to process the adjustment. 
Repeated Delays and Unfulfilled Promises : I have contacted SoFi Support multiple times via chat and phone. 
A supervisor assured me that I would receive a callback within 2 days, but it has now been over 10 days with no response. 
Support agents repeatedly apologized but provided no concrete resolution, only offering to request a callback without any guarantee. 
Financial Impact Due to SoFis Negligence : The delay in adjusting my payment has resulted in double deductions for the same loan. 
This has caused significant financial strain, as I had to make payments unnecessarily. 
Additionally, my loan continues to accrue interest, increasing my overall financial burden due to SoFis failure to correct the adjustment in a timely manner. 
Date - Payment deduction happened on XX/XX/2025, first follow up on XX/XX/2025 and multiple follow ups followed every week since then until XX/XX/2025
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I have no been with XXXX XXXX since around match XXXX No attempts at sending me a balance via email, text, or phone. 

No way to login in to previous account to verify debt. 

The debt is {$230.00} and just now showed on my credit report.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or rectify the following inaccurate accounts in my 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have informed XXXX transunion and XXXX that they are reporting several inaccurate inconsistent incomplete accounts with out my written permission.i was going XXXX XXXXXXXX on XX/XX/year>XXXX  and my ex wife used my social security number and dob without my permission to open several accounts.i have filed an ftc report # XXXX and have filed an identity theft Affidavit and have sent over XXXX dispute letters through the last 2 years to XXXX transunion and XXXX Informing that they are reporting incorrect inconsistent negative accounts without my written permission to do so which is violating my federally protected rights.i demand that the remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i am attaching the ftc report the identity theft Affidavit and XXXX most recent credit report information and the most recent dispute letters delete they aforementioned accounts within 4 business days from receiving this complaint.this is costing me countless hours and thousands of dollars in interest also keeping me from buying a home and a car.
Product: Payday loan, title loan, or personal loan

my loan is in default and the creditor will not work with me on an affordable payplan. They said I have to pay {$410.00} every XXXX XXXX Upon me telling them I can't afford that and what type of arrangement I can do, they said they were moving forward with a judgement.
Product: Student loan

I am trying to deal with Navient ( formerly XXXX XXXX ) regarding private loans that were taken out for my college tuition ( both under my name and with my mother as the primary borrower and myself as the cosigner. ) They have admitted over the phone repeatedly that if you are n't giving money to them over the phone ( the exact amount that they want, which is exorbitant, ) they will not document the phone call. Because of this, I have started dealing with them only via paper letters, which they have not taken kindly to. 

For the loans where I am the primary borrower, they are expecting well over $ XXXX/month payments which are unreasonable with my income. I have given them multiple financial statements over the phone, which they apparently are n't putting in the system because the next time I talk to someone there they say that there 's nothing on file. When I give them the statements, they agree that $ XXXX/month is too much, but that they have nothing else available. When I ask what they recommend I do, they say to not even bother sending the amount that I can actually afford without losing my home and car ( needed for my job ) because it 's not enough to do anything worthwhile. Then they make fun of me for not going into the career path that I was hoping to while in college and demand to know when I will be. 

For the loans where my mother is the primary borrower, she has one in a lower payment plan. We have confirmation numbers for the payments and they have been taking them out of her checking account, but then we received a letter in the mail stating that the payment plan has been rejected ( no reason why, which we 're trying to find out in writing. ) Yet even after the date the letter was sent, the money has still been taken out of her account by Navient. She 's also still receiving letters and phone calls that that particular account is delinquent, even though she 's making payments on it. 

I am at my wits end with them, trying to contact them via paper ( I refuse to talk to them on the phone anymore, as it 's resulting in me having panic and anxiety attacks every time they call. ) I do n't want to go into default, but I ca n't afford anything close to what they are demanding for these loans. I have used up all of my forbearance time on these loans ( which I paid {$150.00} every few months to put them into when it was XXXX XXXX. ) It 's almost making me wish that I never went to school at all, and also wish that my school had done a better job educating about what private loans really are instead of having me just sign a piece of paper for more money towards tuition ( XXXX XXXX and XXXX XXXX of XXXX. ) My federal loans are in a reasonable repayment plan based on my income ... why ca n't private loans be the same way? Please help or advise what I can do!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have informed EXPERIAN of errors reporting on my credit report. EXPERIAN continues to report these accounts after having information on the inaccuracies. This is defaming to my character.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of  the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. l went home to check my credit report and found some items that are not mine listed as inquiries. These items need to be deleted from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report I recieved in XX/XX/XXXX and in summer. Shows that I had hard inquiries in XXXX all on same day at 4 different adresses in 2 states. I moved out of the addresses used in XXXX and XXXX. I also never tried appling for XXXX credit card ever or other inquires. I have been working hard on getting score up to XXXX after divorce in XXXX. My ex wife XXXX XXXX and XXXX XXXX XXXX XXXX know SS number and I hever made any of these. After divorce Started in XXXX final in XXXX. Ex wife left me at a XXXX score from XXXX. I never applied cause I knew wouldnt get a loan. Hence my purchases of cash old cars and so on. Please Help I have disputed many times and every month For 1 yr after paying off old debit owed. score will not go up. Goes down and stays at XXXX because someone keeps pulling score every 30 days. Ex wife know my ss number and friend is realtor and doesnt want me to buy. Please help my family with this security and investment for the kids Thank you XXXX XXXX
Product: Debt collection

Your company is furnishing inaccurate information to consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character l, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 

Your company 's inaccuracy has damaged my livelihood. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors Apersonshall not furnish information relating to aconsumerto anyconsumer reporting agencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Under 15 USC 1692c- I XXXX XXXX as the consumer is refusing to pay a debt collection to your company. 

Your company and I XXXX XXXX did not have a contract. I am not liable for this debt. 

You MUST DELETE this from my consumer reporting profile in the next 30 days. 

Your company can not report any information on consumer reporting without my written permission. 

Notify each bureau this collection has been DELETED. 

Once you have DELETE this collection from my consumer reporting profile, make sure to send it through certified mail only. 

Thank you for your attention for this matter.
Product: Credit reporting or other personal consumer reports

Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors on XXXX XXXX  with XXXX, XXXX, XXXX XXXX etc and especially EQUIFAX is so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/2024. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. XXXX is the only one that has it all 100 % correct as of this date BUT even their XXXX XXXX is completely off. Next will be a notice of suit.
Product: Credit reporting or other personal consumer reports

This company is reporting a {$16000.00} loan for solar panels I never purchased. I have called this company multiple times to further investigate this matter, and they have an account open In my name but no contract with my signature authorizing the agreement. 

I did buy solar but with another company. This company should not be reporting any information to my credit report as I have no relationship with this company. This inaccurate reporting has harmed my ability to get lending with other creditors. 

I need this inaccurate information removed immediately. I will also need compensation for the damages caused by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted this complaint several times already about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted American Express at XXXX at approximately XXXX ET on XX/XX/XXXX in an attempt resolve an issue with credit reporting on my card. When I finally got through I explained my situation to the representative on the phone, the rep then transferred my over to another department who was offshore in XXXX. When speaking to the rep I explained my situation but he offered no formal process of even reviewing my request. He would not even hear it, I was expecting an American company in accordance with U.S laws and the FCRA to offer me a process to review and ultimately resolve my issue.
Product: Debt collection

I contacted this company and was told it was a debt owed to XXXX. I have never got any furniture or whatever it is they say I got from them. The address they have dont even belong to me nor have I ever lived there. The person I spoke to was rude and just kept saying how am I going to pay the debt. Its not mine and I shouldnt have to pay for it.
Product: Debt collection

OnXXXX my credit report there is a bill from XXXX XXXX XXXX through RMP Services. 

On XX/XX/XXXX I reached out to RMP Services the number provided on my credit report and the representative was unable to locate an account with my information. 

On XXXXI called XXXX XXXX XXXX, they advised they show nothing for this amount and they do not use RMP Services for collections. 

I disputed on XX/XX/XXXX through XXXX on XX/XX/XXXX, The response for the dispute was verified & updated. Nothing changed on the credit report. 

I called both RMP Services & XXXX again today XX/XX/XXXX and had the same response from both. Unable to locate any past due items for {$580.00}. XXXX XXXX XXXX again advises they do not RMP Services as a collection agency. 
Please advise what I am to do in this situation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

I received a phone call today from a blocked number. They left a voicemail stating " Hello. This message is intended for a ( my name ). This is XXXX ( last name XXXX  ) contacting you about a scheduled delivery of legal documents that requires your signature. This is a courtesy call prior to legal documents being issued out to your home, residence, or place of employment. If you have any questions or concerns or need to reschedule a time of delivery you can contact the complaining party directly at XXXX Again, the number is XXXX. The case number is refer to case ID number ( then gave the number ). Thank you, you've officially been notified. '' I called the number they gave me and spoke to someone named XXXX. They said that I owe XXXX  for a payday loan from 2005 in the amount of {$570.00}. They had my maiden last name, the old address I lived at, and where I worked then. She told me that I had signed a contract saying that they had up to 15 years to come after the debt. She said I was being sued for the amount owed and for intentionally defrauding a financial institution. XXXX  sent me an email that just had the amount owed and the name of the lender. I called back and asked for a copy of the documents I had signed and proof from the company. She told me that it was evidence that XXXX  is using against me in a lawsuit so they can not send it to me. She transferred me to a supervisor who repeated what she said, adding that I would have to attend a hearing in order to receive the documentation. I asked if I was supposed to just pay a 13 year old debt with no proof that I owe it, and she said yes.
Product: Credit reporting or other personal consumer reports

The following items have been disputed on my report and the companies haven't reached back out to me. 

XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$1100.00}
Product: Checking or savings account

They sent me a letter and the Branch Leader talked to me, they told me to go to the branch on XX/XX/XXXX and they would give me a check for XXXX XXXX ( the amount of money I had in my account when they closed it ), but I went today ( XX/XX/year> ) and they didnt give me my check, now they told me to wait 2 more weeks to receive the check by mail when they told me they would give it to me in the branch on this date. If I dont get the check again, I have to wait 90 days again, I need help with this problem as soon as possible. They promised something and did not do it as they told me they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.

1

5 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