23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened with Avant on XX/XX/2016. It then went delinquent and was sold to a debt collector. The debt has been paid at a higher amount and several other debt collectors are still attempting to collect. Avant- is still reporting the account on XXXX  and is also being reported by other debt collectors. 

I have disputed this inaccurate information with the XXXX  and it continues to be verified by Avant with inaccurate information to include ; date opened, date closed and delinquent information. 

I would appreciate if Avant would delete all information from XXXX  as it has negatively impacted my credit score that then caused hardship in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and XXXX submitting this complaint myself and there is no third party involved. LexisNexis has gathered and is reporting false, inaccurate and fraudulent information on me as a consumer and has aided in the compromising of my financial reputation as well as causing emotional distress, defamation of character and other unseen injuries. LexisNexis has and is committing numerous violations of my consumer rights including but not limited to 15 USC 1681 ( a ) ( 1 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681c, 15 USC 1681e ( b ) and 15 USC 6801 ( a ) and many more which has been outlined in an Affidavit of Truth that has been mailed to them with a signed return receipt as proof of delivery. LexisNexis is a consumer reporting agency as defined by 15 USC 1681a ( f ). LexisNexis has been reporting false and fraudulently information they know is not true. I demanded in writing that LexisNexis stop reporting this false and fraudulent information and furnishing my report with this information. LexisNexis does not have my written instructions to furnish my consumer credit report. I have demanded that they remove all my information from their databases immediately. LexisNexis sent me an email on XXXX requesting additional information ( they did not even give me 24 hours to respond to the email before they sent a response to cfpb falsely stating that I hadnt responded to their attempts to contact me ), I responded with the requested information and have yet to hear back from them regarding my information being removed from their database like I demanded. I also informed LexisNexis that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file fault judgement in favor of me, the consumer and the necessary actions will be taken against LexisNexis and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have tried numerous times to access a credit freeze on the TransUnion website. Nothing worked, the site kept crashing or giving me errors. I attempted to call them XXXX times and at various levels of verification or simply in the middle of the call it would disconnect. XXXX and XXXX had no issues and was able to apply a credit freeze. However TransUnion is the weak link and should be shutdown since we are unable to protect our information when there is a data breach.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

EduLoan Servicing is a fraudulent program that used the official-sounding programObama  Student Loan Forgiveness to scam m e into believing that they offered programs that could lower my student loan monthly payments and even provide student loan debt forgiveness.     EduLoan Servicing shared they would collect my monthly payments on behalf of the federal student loan program and send them to my servicer. I most recently received a call from   XXXX   ( who is my current loan servicer ) stating that my account was delinquent and that EduLoan Servicing was a fraudulent program.     By this point, my checking account had been withdrawn an estimated {$900.00}. Through out the entire proces s EduLoan claim ed they were  a Student Loan Forgiveness program. They accessed my FSA ID using my ss # and driver 's  license. I am at a loss for words and would like to press charges. How do I proceed?
Product: Credit card or prepaid card

Theft call my credit card like wells XXXX, Best BuyXXXX XXXX XXXX requests new and used it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BestBuy 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 theft call XXXX XXXX  unlock and used it again XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX Pending XXXX XXXX XXXX 
- {$1.00} XX/XX/XXXX Pending XXXX XXXX XXXX. 
- {$1.00} XX/XX/XXXX Pending XXXX XXXX XXXX {$480.00} XX/XX/XXXX Pending XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Well I had spoken with them 55 days ago stating that I was trying to get caught up on my loan. I told the rep that I could pay XXXX dollars and hopefully have the rest of the payment to them in the following 2 weeks. The rep said ok, I will note your account and you shouldbe fine. Everyday leading up to and prior to that if I was one day late they would call me at 7 times a day, even though I had already spoken to some, they would not leave voicemails they would just call back to back numerous times. So my payments are due the XXXX of every month, I had the car for 2 years was pretty good at making my payments on time. Now comes the morning of XX/XX/XXXX. I wake up to no car in my driveway. Mind you I had already spoken to westlake financial about my loan. I told them I would be getting caught up when I had gotten paid. My payment was XXXX a month. The website said I owed XXXX to get caught up. When I called them to inquire about getting my car back they wanted XXXX dollars, they couldn't even explain to me why they wanted much! And to top it off they couldn't guarantee when I would get my car back if I paid that! Fast forward to Saturday XX/XX/XXXX, I just recieved in the mail from XX/XX/XXXX a letter about me being seriously delinquent on my loan. I just want justice for myself and everyone else who has been tricked or robbed by this company and thier in my eyes messed up practices. Thank you for your time and hopefully I can get this resolved.
Product: Debt collection

I just received a notification on my credit report about a collection whist states has been reported since XX/XX/2022, I have never received anything I dont know what this is please review and delete.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint against LVNV Funding LLC regarding their handling of my account with account number XXXX, originally from XXXXXXXX XXXX XXXX  XXXX. The following violations of the Fair Credit Reporting Act ( FCRA ) have occurred, and I am seeking your immediate assistance in resolving this matter. 

Despite showing the account as " Paid off, '' LVNV Funding LLC has reported a balance of {$650.00} and states that this amount is past due as of XX/XX/XXXX. This is a direct contradiction and violates FCRA 611, which mandates that information furnished to consumer reporting agencies must be complete and accurate. This conflicting status is misleading and damaging to my credit profile. 


The payment history shows several months with missing or incomplete data, specifically XXXX, XXXX, and XX/XX/XXXX as well as XXXX and XX/XX/XXXX. In some months, the status is reported as " C '' ( Collection ), while other months show " ND '' ( No Data ), making it impossible to assess a clear and consistent payment pattern. This violates FCRA 623, which requires furnishers to report accurate and complete information. The failure to provide a full and consistent payment history creates a misleading credit report, harming my creditworthiness. 


The last update to this account is listed as XX/XX/XXXX, while the balance was only updated in XX/XX/XXXX. FCRA 623 requires that furnishers of credit information update accounts in a timely and accurate manner. The lack of proper and timely updates further misrepresents my account status and negatively impacts my credit score.

Although the account states " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), '' no meaningful investigation or resolution has been provided. The ongoing inaccuracies, such as the conflicting balance status and the incomplete payment history, clearly show a failure to investigate or correct these issues under FCRA 611. This also implies non-compliance with the obligation to thoroughly investigate disputes.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an unfamiliar company on my credit report that I have no knowledge of. On XX/XX/2023, I sent a detailed letter explaining that I don't recognize the account and as a business owner, I'm facing denials due to this issue. I simply asked the company to validate the debt with me. Unfortunately, it seems like they don't care about my situation, as they haven't communicated with me at all. I haven't received any emails or letters from them, which is concerning and not fair.
Product: Checking or savings account

I bank with Wells Fargo and I have a signed up for an overdraft protection which is supposed to automatically move money from my savings to checking to avoid negative balances and overdraft fees. 

Wells Fargo continuously lets my account go negative even though there is $ XXXX in the savings account. I have requested that they remedy this and they refused. 

They are causing me problems with acquiring a home loan, Wells Fargo is a terrible company that should be investigated. I have had so many problems with this company I have reached my breaking point.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Consumer Financial Protection Bureau Dear Sir/Madam, I am writing to file a formal complaint against the three major credit bureaus, XXXX, Equifax, and XXXX, regarding an erroneous reporting on my credit report. Despite numerous attempts to rectify the situation directly with the credit bureaus, the inaccurate reporting persists, causing adverse effects on my ability to obtain purchasing power and violating my consumer rights.

The erroneous information pertains to a debt allegedly owed to a Timeshare Company, which inaccurately reflects on my credit report under my name, XXXX XXXX. It is important to highlight that I have never engaged in any business transactions or agreements with any Timeshare Company under the mentioned name or any other.

Upon discovering this discrepancy, I promptly contacted the Timeshare Defense Attorneys, assuming they would rectify the matter. However, despite my efforts and repeated requests for validation of the debt, no action has been taken to correct the misinformation. Furthermore, the credit bureaus, namely XXXX, Equifax, and XXXX, have failed to update my credit report accordingly, leaving the erroneous entry intact. 

This inaccurate reporting is not only damaging to my financial reputation but also infringes upon my consumer rights. As a consumer, I have the right to accurate and verifiable information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). By allowing this erroneous entry to persist, the credit bureaus are in violation of the FCRA and failing to fulfill their obligation to ensure the accuracy of consumer credit reports. 

The adverse effects of this erroneous reporting are evident as it hampers my ability to obtain necessary purchase power, hindering my financial stability and well-being. I have taken all necessary steps to resolve this matter directly with the credit bureaus and the relevant parties, yet no progress has been made. 


Thank you for your attention to this matter. I look forward to a prompt resolution and appreciate your assistance in restoring the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a freeze on my account today I wanted somebody to pull my credit, I called Equifax and I couldn't get a hold of a person to unfreeze my account. I tried the automated verification I put in the correct information and they said they didn't verify me. I tried to call and get an agent and I was unable to speak with a person. They requested I mail in stuff to verify. At the time if I had gotten the credit card at the tire place I would have gotten a {$70.00} discount. Because I could not speak with a person to get this straightened out they cost me {$70.00}. I am requesting that they pay me the {$70.00} that it cost me. since they were unable to let me get a hold of a person and refuse to transfer me from the automated system I feel like they owe the money that I would have saved had I been able to unfreeze my credit.
Product: Credit reporting

Equifax has fail to provide me with on time dispute results since XXXX/XXXX/2016.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.
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 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 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 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 any consumer if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was in a car accident and I was hospitalized for several days and when I returned home I saw that my wallet and credit cards had been stolen and used. I filed a police report with the local police and I called the credit card companies and First Digital responed that I am responsible for the charges even though I reported the unauthorized use and proved that I was not in possession of the cards at the time. I called and spoke to a very rude associate to appeal the decision and he advised me that the appeal results would be the same.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. 
Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over XXXX  XXXX  before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at XXXX XXXX accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( XXXX ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Product: Checking or savings account

On XX/XX/2022, four times, Chase Bank would not let me make a funds transfer and locked my account. I called their Electronic Money Movement Team four times, each time they told me the issue has been resolved and the transfer would go through. But it still got rejected and my account locked, four times, all without any notification or explanation from Chase. A service rep named XXXX said I had to go to a local branch to verify account ownership in person. I did that, was told once again it has been resolved, but it still got rejected and my account locked.
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 Equifax 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. 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 was due to an unexpected technical issue with the automatic payment system that was set up for this account. Although the funds were available in my account, the automatic payment did not process as scheduled, resulting in a slight delay. Once I became aware of the issue, I immediately made the payment, which was only a few days late. This situation was beyond my control, and I believe it should not have been reported as a late payment. 

Evidence provided : Bank statement showing sufficient funds on the due date. 
Confirmation from XXXX acknowledging the issue with the automatic payment and the prompt payment that was made immediately afterward. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 XXXX.
Product: Checking or savings account

My cellphone was disabled and during this time my checking acct. was used to make purchases using my card #. I was in possession of my card at all times. I filed a claim with my bank and they reimbursed me for the charges. After they investigate d they came back 4 months later and said there was documentation that it was me and the chip was used. XXXX of the charges was for an airbnb. The reservation was made on line with out a chip. They tried to make gas purchases and bought clothing on line, no chip! The bank says that visa has been paid so I'm responsible for the {$3400.00} which is minus in my account which I tried to close. I have been with this bank since XXXX and was even employed by them for many years. I will let this be turned over to Credit Bureau even though my score is in the XXXX 's. I'm XXXX XXXX XXXX and this is devastating.