23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loans have been paid in full. As of XX/XX/2023, my EdFinancial account and my Federal Student Aid account had been updated to reflect the {$0.00} balance. 

However, yesterday morning an EdFinancial customer service representative notified me that I have an account balance of {$550.00}. That evening, I logged into my EdFinancial account and saw a total current balance of {$41000.00}. As of this morning, the amount has grown to {$41000.00}, and it now says that I have a past-due payment of {$110.00}. 

The current balance on XXXX XXXX is listed as {$650.00} ( original principal {$20000.00} ). The following payments were made to this group : XX/XX/2023 : {$900.00} ( confirmation # XXXX ) XX/XX/2023 : {$19000.00} ( confirmation # XXXX ) The current balance on XXXX XXXX is listed as {$20000.00} ( original principal {$20000.00} ). The following payments were made to this group : XX/XX/2023 : {$20000.00} ( confirmation # XXXX ) The current balance on XXXX XXXX is listed as {$20000.00} ( original principal {$20000.00} ). The following payments were made to this group : XX/XX/2023 : {$20000.00} ( confirmation # XXXX ) All of these payments were made and reflected on my EdFinancial account this XXXX, BEFORE any interest could have started accruing. As such, these loans have been paid in full and I do not owe any more. 

I am attaching the following : 1. A screenshot of my account summary page showing payments listed as due now ; 2. A screenshot of the total current balance as it appears on my account now ; 3. The specific amounts for each loan that my account lists as owed ; 4. A compilation of confirmation emails for every payment made towards my student loans ; 5. A compilation of screenshots of each loan payment made, with loan groups specified ; 6. A screenshot of my {$0.00} loan balance on my EdFinancial account as of XX/XX/2023 ; 7. A screenshot of my {$0.00} loan balance on my Federal Student Aid account as of XX/XX/2023 ; and 8. My correspondence with EdFinancial as of today, XX/XX/2023. I am contacting you concurrently with EdFinancial because this issue has now become time-sensitive in light of the claimed " past-due '' payment, and I have had trouble getting timely responses from EdFinancial in the past on other issues.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as requested.
Product: Debt collection

on XX/XX/XXXX XXXX XXXX XXXX  had over charged me for the high speed wifi internet service and TV services that they had already cut off in the amount of {$780.00} and has sent it to a credit debt collector and the Name of the debt collector is credit management LP file number and date is XXXX XX/XX/XXXX and i had returned there aqminte router and moutom XX/XX/XXXX and i told them that i say with my mom and that she is not working and is on social security and has a mortgage to pay every month and gas and light and water bill to pay and i am unemployed right now and in the future or until i find some how well get me employed and most of i can't afford to pay {$780.00} or what not or no money at all right or in the future because of that so can someone in consumer finance.gov help me with this case or what not as soon as possible it is important thank you
Product: Credit reporting or other personal consumer reports

According to title 15 USC 1681C requirements relating to information contained in consumer reports.

( A ) Information excluded from consumer reports Except as authorized on the subsection ( B ), no consumer reporting agency may make any consumer report containing any of the following items of information.

( 4 ) Accounts place for collection or charge to profit and losses. 

XXXX XXXX XXXX. Account XXXX Reporting from ( XX/XX/XXXX to XX/XX/XXXX ) 9 month, ( XX/XX/XXXX to XX/XX/XXXX, 12 month ). ( XX/XX/XXXX to XX/XX/XXXX ). ( XX/XX/XXXX to XX/XX/XXXX ). ( XX/XX/XXXX to XX/XX/XXXX ). ( XX/XX/XXXX to XX/XX/XXXX ). ( XX/XX/XXXX to XX/XX/XXXX ). 

XXXXXXXX XXXX XXXX  Account XXXX Reporting from ( XX/XX/XXXX to XX/XX/XXXX. ). From XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX credit card and auto loan or charge-offs underneath this title and addresses the reporters of this information, not the allege creditors. The fair credit reporting act addresses the consumer credit reporting agencies this ACT is specifically for your business not the alleged creditors. According to the response that I have received in the mail which is a computer generated response, you have not addressed my questions. And have confirmed with new consumer credit reports that these accounts have been charged off, due to this confirmation apply the appropriate action and delete it from the history. 

According to the IRS an unpaid charge off is income, and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( cancellation of Debt ) for the following charge off accounts listed below. ( XXXX XXXX XXXX XXXX loan account number XXXX. ) ( XXXX XXXX XXXX XXXX card account number XXXX ) After checking my most current report, the updated information stated this account was still being reported. This account can not be reported as a charge off on credit report.
Product: Credit reporting or other personal consumer reports

I have consistently made timely payments for 6 years, demonstrating my commitment to responsible credit management with this bank and credit card. However, I hadnt used my credit card for quite a while and had misplaced it. I completely forgot about the credit card payments since I wasnt receiving any late credit card notices until XXXX of 2024, which I immediately contacted the billing division, paid my bill in full, and asked to have my credit card account closed. I had moved to a new address and probably forgot to inform the billing division. This could also have been an issue with communication via mail. 
Ive never had any late payments in my credit history. My credit score has been consistently above XXXX. I tried to buy a car, but I could not do it due to my credit score/history. I have been a caregiver for my mother, who is XXXX and has an advanced stage of XXXX and other medical issues. I need a reliable car to go to work and take my mother to the doctors appointments. I also have a daughter who needs a car to commute to college and needs a co-signer. My daughter 's father passed away years ago, and I am the only parent she has. 

I am confident that this isolated late payment does not accurately reflect my creditworthiness.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XX/XX/year> I ' am writing to request and investigation of the following accounts, I have never opened or use the accounts listed below. " I'm requesting the following information be deleted from my Early Warning report immediately. I attached a copy of my report to this request. I have listed the accounts and the inquiries as well. Pls see attached accounts and inquiries.
Product: Student loan

In XXXX and XXXX I took out XXXX in loans from XXXX XXXX for my daughter 's education. I was new to financial aid, I believed that I was getting a parent plus loan each time. Fast forward to now, it is a private loan, I have tried to work with now Navient only to be told that at this point my loans equal to XXXX. I can not afford the XXXX per month payment that they are demanding, 2 years ago I worked out a plan for XXXX per month, that lasted for 4 months, then it returned to XXXX per month. After that arrangement they only will put me on deferment, but won't work out a payment for me. My daughter is not in a position to pay this loan and I work for a non-profit. I don't want to file bankruptcy but I can't take the 12-20 calls a day. Now they are calling my XXXX yrs old mother, telling her she will lose her social security if she doesn't help pay this. ( She co-signed for the original loans ) At the time of the loans my mother was already retired, and I was only making XXXX per hour, at a non-profit organization. I believe I was set up for failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Secured Credit card opened without my knowledge but appears on XXXX credit report, carries a balance has been active > 90 days and is impacting my credit score. Have tried to contact customer support at both companies and they could not resolve issue. I do not see the card listed under my account details when I log in to my bank account. I believe this may be a technical issue
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

I received an email that my social security number was compromised on the dark web. I've contacted XXXX, XXXX, and Experian to investigate 20+ inquiries over the past 2 years XX/XX/XXXX-XX/XX/XXXX that were unauthorized by me. They refuse to offer any assistance in these matters. It is easy for hackers to get innocent citizens information EX. social security numbers but made difficult for us to get information on our reports verified and corrected. When innocent citizens information is compromised the 3 credit bureaus should take these matters very serious, its could be life altering for us. I feel like representatives do not take these matters seriously. They offer no assistance after hours of holding just to be told their is nothing they can do. If they do not want to protect our information and offer help when it is compromised why do they have access to it? I feel like my Personal Information is not protected and at anytime can be accessed which leaves me at the mercy of the 3 credit bureaus who offers no help.
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. 

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

I recently reviewed a copy of my credit report and found some inaccurate accounts reporting. I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Re : Immediate Action Required : Dispute of Inaccurate Late Payments Reporting under 15 U.S.C. 1681s-2 ( b ) Dear Sir/Madam, I am writing to express my dissatisfaction and frustration with Equifaxs handling of my dispute regarding inaccurate late payment entries on my credit report. Despite submitting a formal dispute of these incorrect entries and the remaining in my report. This failure to resolve my dispute is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also undermines my legal rights under 15 U.S.C. 1681s-2 ( b ), which clearly outlines the obligations of both credit reporting agencies and furnishers of information. The late payments reported by [ Equifax ] Are as Followed : ( 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 are erroneous and do not reflect my actual payment history. To remind you, 15 U.S.C. 1681s-2 ( b ) imposes a clear duty upon Equifax to notify the furnisher of information and ensure a thorough, accurate investigation. Furthermore, any inaccurate information that is not substantiated by evidence must be corrected or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Given that the dispute has not been resolved in a reasonable time frame, I now request the following : 1. Immediate removal or correction of the disputed late payment entries from my credit report, as they are erroneous.

2. Proof of the investigation conducted by the furnisher of the information ( i.e., the creditor ).

PLEASE UPDATEMY PAYMENT HISTORY TO PAANL ( PAID AS AGGREED NEVER LATE ACCORDING TO CONSUMER PROTECTION LAWS, ) 3. A written explanation as to why these inaccuracies were not rectified upon my initial dispute. 
I remind you that under the FCRA, you are required to complete the dispute process in a timely manner, typically within 30 days. If you fail to take prompt action, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general. I will also consider taking legal action for damages caused by the continued presence of inaccurate information on my credit report. 
Enclosed are the same supporting documents provided in my original dispute, which clearly demonstrate my payments were timely and are incorrectly reported as late. I demand that Equifax immediately rectify these errors and update my credit report accordingly. 
Please consider this letter as a final notice for your resolution. Failure to comply with my request will leave me no choice but to pursue all available legal remedies to ensure my credit report is corrected, as I am entitled to under federal law. 
XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXX XXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the XXXX  for three and a half weeks. I was unable to make arrangements with XXXX XXXX due to my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Helvey & Associates are reporting a debt on my credit file that I do not owe. I recently looked at my credit and noticed this debt reporting. This debt is past the statute of limitations in Michigan and past the credit reporting limit. This is a violation under the FCRA and it must be removed.
Product: Debt collection

NCB Management was sold/assigned a debt that was/is already payed according to 18 USC 8. Moreover, although they have recently deleted this unlawful reporting from my consumer report, I am holding them civilly liable for each individual action under the Fair Debt Collection Practices Act. I have sent through certified mail a sworn affidavit of truth, invoice, and exhibits that prove each violation that I am demanding remedy for. Not to mention actual damages I sustained as a result.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I deposited {$3000.00} US dollars from my bank account to Crypto.com. The same day, I bought crypto assets on my account : XXXX USDT and XXXX POL. 
After all these transactions, I got an email from Crypto.com stating that my account was temporarily paused on withdrawals and requesting information regarding my jurisdiction. 
I'm a US citizen living in the US, so I provided all the information that they requested, which they also confirmed in their support chat. 
Now my account is locked, I can't operate it transfer or withdraw my money. Support doesn't provide any timeframe for this resolution.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax Information Services LLC for violations of the Fair Credit Reporting Act ( FCRA ) and noncompliance with the CFPB Consent Order ( File No. XXXX ). My complaint relates to XXXX failure to properly investigate and resolve inaccurate late payments on my XXXX XXXX XXXX account ( # XXXX ). 

XXXX XXXX Equifax is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, negatively affecting my credit score. Despite my dispute request, Equifax has failed to : Conduct a proper reinvestigation under FCRA 1681i, which requires reasonable dispute resolution procedures.

Verify or provide documentation supporting the validity of the late payments. 
Provide details of the verification method used to confirm the accuracy of the reported late payments. 
Ensure compliance with the CFPB Consent Order ( 2025-CFPB-0002 ), which mandates better dispute-handling procedures.

FCRA and CFPB Violations Equifaxs failure to handle my dispute correctly aligns with the violations outlined in CFPB Consent Order ( 2025-CFPB-0002 ), which highlighted : Failure to conduct reasonable reinvestigations of disputed information. 
Failure to review and consider all relevant consumer-provided information. 
Failure to properly notify consumers of reinvestigation results. 
Failure to prevent the reinsertion of inaccurate information after it was previously removed. 
These actions violate FCRA 1681i ( Reinvestigation of Disputed Information ) and 1681e ( b ) ( Maximum Possible Accuracy ).

Conclusion Equifaxs failure to comply with FCRA dispute resolution requirements and the CFPB Consent Order is causing direct harm to my credit profile. I request the CFPB take immediate action to enforce compliance and ensure that Equifax properly investigates and corrects my credit report. 

I am available for any further information or documentation. Please contact me at XXXX or XXXX. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected. 

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 received a credit alert ( XX/XX/XXXX ) that a late payment was posted to a credit bureau. When I contacted ( XX/XX/XXXX ) XXXX they sent an Email telling me there was no balance on my account. I then received another Email ( XX/XX/XXXX ) from XXXX to check my account. Because I didn't have the account number I could not access the account. 

I then received a call from an agency requesting payment. I asked them for the account number but they refused to give it over the phone. They said they would mail it to me.. I had made 3 payments of {$40.00}. On XX/XX/XXXX i received a bill in the mail showing I owed {$120.00} After over an hour on the phone I found that the {$120.00} interest free purchase I made their was a balance of {$9.00} and fees had accumulated to a new balance of {$120.00}. I talked to customer service and tried to explain that I had contacted XXXX and was told there was no balance but they explained they were XXXX XXXX and not XXXX XXXX.where I had made the purchase. 

As you can see from documents I submitted XXXX and XXXX XXXX appear to be the same.
Product: Credit card or prepaid card

I was " signed '' up for care credit by a XXXX. I was told it was a credit card with no interest that I could use to help pay for his services. I was not told that if I stopped using his services I would have to continue paying on the credit card even though I was not using it. I used XXXX worth of medical expenses at the XXXX. I had health issues that prevented me from continuing my care with the XXXX. I am still having to pay XXXX for care I never received and I will not use because I have insurance threw my state medicaid. I was not explained any of this by the doctor or his staff or by care credit. This is unethical and a scam.
Product: Debt collection

I had a XXXX salesman named XXXX come to my home in 2012. We settled on {$1200.00} for the XXXX {$62.00} a month, I planed to pay {$120.00} to pay it off faster. I revived a bill two days later for {$4100.00} XXXX! I was shocked. I called right away. Said I wanted to contact my salesman. They said he no longer worked there. I said I wanted to cancel, they said no. I couldn't because he was no longer employed and it had to be through him. I said I cancel and they needed to pick it up. They refused. I did not have a contract at all. The sale man had said he would be back to get my trade in and final contract. He never returned. I still have my old vacuum shown on their " contract '' as my trade in. I had asked several times to see a contract since I didn't have one. They sent one that had a list price of {$2400.00}, not {$1200.00} as decided. The salesman had left several packs of new contracts at my home. Which I still have. I signed the cancel from one of those contractfs and faxed to them with the number they had on their answering machine. Trying to find that old fax machine to see if I can get proof of transmison. I called them at day 19 informing them that per their own contract if they did not pick up the vacuum up I can retain or dispose without further obligation because I canceled. This is wrong. Now I have been served for this debt. I will gladly pay the {$1200.00} or give the unused vacuum back. Pieces still in plastic with a never used bag. But I should not have to give it back, they had 20 days to get it per their own " contract ". I did track down the salesman, but he says he can not remember any specifics to my sale. This is not a proper way to conduct business.