23daVinci/CFPB_Complaints huggingface dataset:
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. 
has violated my rights. 


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 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly. 

I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. 

Reasons for Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's automated system does not work. It goes in circles and there is no one to speak to for help. It demands you send a request via mail ... which is not useful. 

The law says they need to comply within 3 days of receipt of request in the mail. This is what I will eventually have to do, but I'm furious that they have made it so difficult. 

Whatever faulty piece of information that keeps their automated system from working with me needs to be fixed. And if there is no faulty information, I would say this difficulty is intentional so that they can sell their credit security services ... instead of complying with the spirit of the law.
Product: Mortgage

I originated a VA home loan with XXXX Mortgage. This loan was sold to XXXX and is serviced by Flagstar Bank. XXXX Mortgage tells me the loan was sold XX/XX/2021 with an outstanding principal amount of XXXX. Flagstar tells me the loan was received with an outstanding balance of XXXX. When I call XXXX they tell me there is nothing they can do about the discrepancy. The confirm the outstanding balance when the loan was sold as XXXX. When I call Flagstar they confirm the starting outstanding balance when the loan was purchased as XXXX and there is nothing they can do about the discrepancy. Neither company is willing to contact the other so I am stuck in the middle of two parties who will not speak to each other. I feel I have lost {$930.00} and I want to find it.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and 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: Debt collection

While checking my credit report I noticed a collection account from a XXXX XXXX XXXX stating that I owe {$500.00} from an Ace Cash Advance. I have had dealings with them in the past after I had received several spam/fraud emails from another collection agency XXXX that was threatening to " take me to the courthouse if I do not pay '' I asked for proof of the debt being that I am a victim of identity theft in past. The never sent me any proof of the debt. I filed a complaint with my states attorney General, and they stated that the emails I was receiving were fraudulent. I also filed a complaint with the CFPB. After this, and not receiving any feedback from any XXXX, I thought the matter was closed. Now this collection agency XXXX XXXX XXXX has placed this account on my credit report which has caused my credit score to drop nearly XXXX points! I am in the process of looking for a home to rent and this has severely affected my chances of getting approved by potential agents/ landlords. I have sent letters to all " collection agencies '' that are claiming to represent ACE cash advance with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help with a dispute that I submitted on XX/XX/2022 with XXXX, XXXX, and Experian. I haven't received any response as of yet. I need them to be held responsible for investigating my dispute.
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 : XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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, credit repair services, or other personal consumer reports

This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX, TransUnion : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Through many dispute attempts, I was unsuccessful in removing the duplicate accounts. 
XXXX is the only updated bureau. There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.
Product: Credit reporting or other personal consumer reports

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I provided XXXX XXXX XXXX XXXX XXXX with all of the information needed to have me removed from the VA mortgage, as it was fully assumed by my husband. The original balance was {$220000.00}. The monthly payment was {$1400.00}. Instead of removing my name from the loan, XXXX XXXX XXXX XXXX XXXX reported that I opened a new mortgage on XX/XX/XXXX with the amount of {$220000.00}. I spoke with XXXX XXXX XXXX XXXX XXXX on multiple occasions to let them know that instead of removing my name from the mortgage, they reported that I opened a new mortgage. XXXX XXXX XXXX XXXX XXXX stated that they reported to the XXXX credit bureaus that the account was closed. They also stated that the did not report that a new mortgage was opened. I was told by XXXX XXXX XXXX that I needed to dispute this with all XXXX credit bureaus. I disputed the information that a new mortgage was opened in XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX reported to the bureaus that the account was closed on XX/XX/XXXX. All of this information is incorrect. The account on my credit report shows XXXX XXXX XXXX with a number under the name stated as XXXX. This has reflected poorly on my credit report. It looks as if I opened a new mortgage with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and then closed it in XX/XX/XXXX. They were only supposed to remove my name from the loan. Instead of that, they created a new account in XX/XX/XXXX and then closed it in XX/XX/XXXX. Please remove this fraudulent account from my credit report.
Product: Debt collection

I sold my XXXX dollar truck because I wanted to get a cheaper commuter. So I asked XXXX XXXX XXXX XXXX for a loan and they are the ones who made as aware of this delinquency. I had no knowledge of any medical bills owed. I pulled my credit report and called I C Systems. I spoke with XXXX XXXX. She let me know the amount owed was {$2300.00}. However I knew that our insurance covered his service. So I called XXXX. I spoke with XXXX, she referred me to my old employer and stated it was my old employers responsibility to pay. While that didnt seem right I called HR at my old employer and she confirmed that it was XXXX I should be talking to. So I called back. I got a lady named XXXX on the other line. She said the amount showed {$2600.00}, and it was paid. She said we had a {$40.00} co-pay that we paid at date of service on XX/XX/XXXX. She said the doctors office must have sent this to collection in error. So I called XXXX XXXX XXXX XXXX and they transferred me to billing where I spoke with XXXX. She said she had no idea why this went to collections. I then called XXXX  back and they referred me to their subdivision XXXX XXXX XXXX I spoke to XXXX. She said they paid this on XX/XX/XXXX and gave me a check number. She said she had an EOB and would fax it over to the collections agency to show it was paid. I am not responsible for this debt. I have never had a late payment, or delinquency in my entire 17 years of having credit.
Product: Debt collection

Two new separate collection accounts have been added to my XXXX credit report in gross error. XXXX, and three other credit bureaus, are reporting in two separate new accounts that I owe XXXX XXXX {$790.00}. This is being reported by CREDIT MANAGEMENT LP, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX. XXXX XXXX XXXX. XXXX XXXX Account ID : XXXX, Client Number XXXX, their phone number, XXXX. This is the second or third time this account has been sold for collection. I disputed owing XXXX previously and won the dispute and the collection was taken off my account. I called and objected to collection by a previous collector on XX/XX/XXXX and filed an online dispute and won, on or about XX/XX/XXXX. No money was owed with my proofs of all returned equipment. 

I suffered from XXXX XXXX twice in XXXX and in XXXX. After I cancelled XXXX. I called to let them know my family and I were in lockdown quarantine and I could not leave the house to return the equipment as I could not drive, but as soon as possible once the mandatory Michigan lockdown was over I would be happy to return all. At the first opportunity I drove to the main distribution center and returned everything. EVERYTHING WAS RETURNED. I should not have to pay collections fees and costs and have my credit destroyed I worked so hard to keep current even in a pandemic with Covid! This is wrong and not a valid debt. Please make sure this is taken off all my credit bureau records. 
XXXX XXXX XX/XX/XXXX
Product: Student loan

I was awarded XXXX on XXXX XXXX, XXXX. I received my back pay on XXXX XXXX, XXXX at which time I payed off the smaller of my two XXXX XXXX loans in the amount of {$8900.00} to Nelnet. I also payed a total of {$800.00} on my XXXX  student loan. I made these payments on the same day that I received my back pay in an effort to reduce my debt so I could live off my limited income. 
Approximately one month later, ( I 'm unsure of the exact date and ca n't seem to find the original notice ) I was notified in writing that I was eligible for discharge of my student loans and requested to complete the application, which I did. 
Nelnet services the discharge process, and at this point I have been approved for that. 
The problem is that they will not refund this payoff that I made out of my XXXX back pay because the state that any payments I made before they were aware of my eligibility are not refundable. They do n't use the date that the XXXX signed the XXXX approval or the date that I was notified. They are essentially keeping almost {$10000.00}, which is 1/3 of the back pay I received. I thought I was doing what was best because I  was not aware that XXXX recipients were eligible for discharge. It 's not something my attorney talked to me about as a possible outcome even though he was aware that I have a degree. 

I feel this is a very unfair practice by Nelnet and perhaps there are others who have had this happen and not been able to get anywhere with Nelnet on refunding that payment that would have been XXXX if I had not decided to pay it off to make my minimal monthly income stretch a bit farther. 
I have spoken to Nelnet on multiple occassions about this and they will not consider refunding my payments. I have not been able to find an attorney to work with me on a pro Bono basis so I am attempting this avenue.
Product: Credit reporting or other personal consumer reports

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

Equifax ( XXXX ) supervisor XX/XX/year> @ approximately XXXX over the phone. Everything is recorded. I asked did Equifax receive my FTC report for the fraudulent accounts XXXX XXXX account # XXXX for {$920.00}. Also XXXX XXXX XXXX for {$1100.00} account # XXXX. XXXX XXXX stated that they can not read the FTC report. I sent that same report to Equifax twice. I sent the same report to XXXX and XXXX and it was know problem with it.Every letter was certified. Equifax has repeatedly given me false information on a daily basis. I was also told that if I dispute anything on my credit report it would push the date out further. And that's what they have been doing with my accounts. under the FCRA they must remove each account @ XXXX  years. They are breaking the law. Please check into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a Bankruptcy on my credit report today XX/XX/19 when I went to try to buy a car and was not approved. This bankruptcy is not mine ; I did some investigating and it turns out that this was clerically filed in error and this bankruptcy actually belongs to someone with a similar name as mine. I have never filed for bankruptcy nor did I take part in this in any way. I have filed a police report as well as reporting this to the courts in hopes of getting my name and credit history cleared.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an item on my credit report in the amount of {$940.00} that is allegedly being reported by LVNV Funding LLC. This dispute is being raised due to a lack of sufficient information and a failure to comply with the required consumer protection laws during the previous attempts I have made to dispute this account. 

To date, I have disputed this item multiple times without receiving a legitimate investigation or resolution, which I believe is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I have not received any details about the alleged debt, including but not limited to : The name of the original creditor Account number Any supporting documentation of the debt Any proper investigation outcomes Further, when I contacted their customer care team, no account information or details were provided, and no legitimate response was given to resolve this matter. The lack of transparency and proper investigation violates my rights to a fair and accurate representation of my credit history. 
I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

Thank you for your prompt attention to this matter. I look forward to your timely and accurate resolution.
Product: Vehicle loan or lease

On XX/XX/XXXX, 2017, I purchased a used vehicle from DriveTime. Unfortunately, after driving off of the lot, my cousin wrecked into the back with the other car. However, I was covered through my insurance and Gap on the dealer 's end, but the financial summary is not matching up to what they are saying. The car was quoted to be valued a little under 10k. I put XXXX down, but financed the remaining amount of XXXX. The loan included warranty, gps services, and maintenance service. None of which I was able to take advantage of since I had the car for only 20 minutes. My insurance is paying over 7k to cover the majority of the remaining balance and Gap will cover the rest. However, as I pointed out to the dealership, the money I paid towards the entire loan should have included many of the services I did not receive. My insurance company also agrees and advised that the dealer should reimburse me for a portion of these expenses. They have even taken a car payment from the bank they go through, which XXXX, a loan agency hired by DriveTime is behind a some of this financing arrangement. The dealership us refusing to cooperate and was extremely rude. I am left with nothing and am hoping you can help.
Product: Money transfer, virtual currency, or money service

I repeatedly tried to transfer funds from my XXXX XXXX account through XXXX. The website and mobile app both errored out saying " invalid request ''. 
I called customer service where I tried to make the transaction through their automated voice system, that failed too. 
Then I spoke to a representative who said the transaction won't go through, she couldn't say why and said that no one would be able to say why. I was advised to use the debit card instead to access funds.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2025 I received a email from XXXX XXXX that clearly stated my payment was due and to make a payment by midnight or as soon as possible. 
This email was back to back with an email from my bank that the payment from XXXX XXXX of {$140.00} was returned due to insufficient funds So I made an payment of {$150.00} the morning of XX/XX/2025 On XX/XX/2025 I find that XXXX XXXX ran the payment again as a check for {$140.00} without regard to checking that the payment was already made. 
They sent out a email telling me to make a payment for which I did. nothing was said in the email that they would automatically withdrawal it again This is a deceptive email Then I have to send in screenshots to them to prove to them that two payments were made to get a refund and have to wait 5-7 business days to get my money back that they immediately got two times, while I wait for my needed money to cover other bills in my acct. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a card I had to put XXXX $ on I had the card for 2 or 3 yrs I git it to boost my score XXXX keep it low so my utilization will be low if I do use a high amount I pay it right away away or two every time my score starts rising and I mean eventide a fraudulent charge of XXXX to XXXX dollars always appear either its a straight XXXX something dollars or little purchases to equal up to XXXX or XXXX dollars no more then my score automatically drops XXXX or more points and once the credit card company fixes the problem the credit agencies XXXX, XXXX NEVER FIXES THEM BACK TO WHERE IT WAS BEFORE THE FRAUDULENT ACTIVITY STARTED this has happened constantly for the past 4yrs I have been trying to fix my credit this problem has kept me obtaining financial independence and this needs to be fixed and held accountable for hat they are doing and put things back the way it was so people can have the American dream and be rewarded for being financially responsible
Product: Credit card or prepaid card

I am not the primary card holder. The primary card holder is in bankruptcy and this is not my debt.