23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Sallie Mae has been constantly calling and emailing regarding my student loans that are supposed to be in deferment until XX/XX/2022. They have also been charging me interest the entire time they were supposed to not be during the deferment. I've tried calling with no answer just a message services and emailing with no response. And today the website is down so I can not even look at the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps putting information on my credit report, I have not been able to qualify for a mortgage because of this and even been unable to find employment. I would like all negative items, judgments, liens to be looked over and removed. I am currently living with other people and the address shown on the record are not my residents. They are just for mailing purposes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian are both reporting an alleged collection account XXXX XXXX  Account # XXXX that has not been properly validated or verified as belonging to me because I have no lawful obligation to pay a third party debt collector and I did not receive my rights to dispute this account before adding it to my consumer report.
Product: Credit reporting

I have set up an account with www.equifax.com to monitor all XXXX of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Equifax. I have included, the XXXX XXXX, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately.
Product: Prepaid card

Dear CFPB, I am writing to file a complaint against MyPrepaidCenter.com and Blackhawk Network Holdings , Inc . 

Upon receiving two prepaid cards issued by XXXX XXXX, XXXX card worked properly while the other was restricted to online merchants only. Despite promises from MyPrepaidCenter.com representatives to reissue the restricted card to match the functionality of the other card, this never occurred. 

I am currently residing in a XXXX XXXX XXXXXXXX and my restricted card has now expired with funds still remaining. Attempts to resolve this issue via MyPrepaidCenter.coms phone, email, and self-service options have been unsuccessful. 

I urgently need access to these funds. If this issue is not resolved within ten business days, I will pursue legal action in small claims court. 

Thank you for your assistance. 

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

This is the several times I've complained 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 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 XXXXXX/XX/XXXX
Product: Debt collection

In XXXX Midland Credit Management placed a collection on my credit report in the amount of {$6000.00} for account number XXXX. I have asked them many times for proof they own this alleged debt and to date they have not sent what I asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Lord have mercy. I do not know where to begin with this horrible company that has been negatively affecting my credit report and costing me XXXX XXXX XXXX in interest. I had settled my debt with Victoria Secret through a debt collection company named XXXX XXXX XXXX back in XX/XX/2020. I paid this debt collector {$260.00} and the Plan ID # also known as the confirmation number is : XXXX. I called XXXX XXXX XXXX and spoke with an associate by the name of XXXX XXXX. I informed him that I have made an agreement with XXXX XXXX XXXX stating that I would pay the debt of {$260.00} in order for them to delete and remove the account completely off of my credit report. He informed me that he is UNSURE why said account is still showing on my credit reports because the company requested a deletion from the 3 credit bureaus back on XX/XX/2020 and he also informed me that their department which settles debts asked the 3 major credit bureaus to remove said trade line from my credit reports. This company is hurting my credit profile, I already paid the alleged debt that was owed why are they still trying to destroy my credit profile? I would like this company removed and deleted from my 3 credit reports IMMEDIATELY as they are NEGATIVELY affecting my credit score. I would also like to add that these companies have violated my rights under the FCRA, 15 U.S. Code 1681s2 states A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.This is a clear violation AS THE LAW SAYS. I have attached a copy of this inaccuracy from the 3 credit bureaus and am seeking Montery relief from all companies involved with this violation. I have sent the 3 credit bureaus A LOT of letters stating this inaccuracy and all they have done was further violate my rights by updating this alleged debt and not fully investigating as they should have.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date XX/XX/year> Amount XXXX I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report I must inform you that I am NOT responsible for the listed account ( s ) as I have been a victim of identity theft.

Ive already notified both my local Police Department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt.

I am instructing you to please delete the following fraudulent account ( s ) from my consumer report immediately. 

Accounts : Account Number : XXXX / XXXX XXXX XXXX XXXX XXXX Amount : {$8000.00} Account Number : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account Number : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please delete the following inaccurate information listed below. 


Address ( XXXX ) : XXXX XXXX XXXXXXXX XXXX NJ XXXX Phone number ( XXXX ) : XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXX XXXX XXXX XXXX, AZ XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX XXXXXXXX : Account number : XXXX, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is DOB : XX/XX/1986. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


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

On XX/XX/2023 I sent a second complaint via CFPB regarding Equifax not granting my block and delete request although all required documentation was provided. On XX/XX/2023 Equifax provided feedback via CFPB stating that they have completed this investigation by contacting the furnisher. Equifax was supposed to block and delete NOT hold an investigation. Additionally, when an investigation is held it shall be an INDEPENDENT, PERSONAL investigation. Furthermore, Equifax claims to have provided a summary of the results listed however, theres no summary, just another request for me to Be specific with my concerns by listing the account names, numbers and nature of dispute. This is information that Equifax already had when I sent them my initial block and delete request. I am now for filling this request AGAIN via CFPB complaint for : Account name : XXXX XXXX  Account number : XXXX Nature of dispute : Identity theft Equifax is supposed to be fair and impartial with what they report and are required and obligation to ensure theyre reporting accurate information on consumers they share/sell information on. 

Attached below is my initial notice regarding block and delete request.
Product: Credit card or prepaid card

Before the Corona Virus started and everything got shutdown, I purchased tickets thru XXXX to use in XXXX, however because of the shutdown of nonessential business I wasnt able to redeem my tickets. After calling the merchant several times without being successful, I decided to dispute the charge of {$80.00} with my credit card company, Bank of America. After a few weeks, I was contacted by BOA requesting more information, which I provided, and they also provided me a copy of the chargeback documents where it clearly stated Tickets not redeemed. A day later, my claim was denied for a vague reason. According to BOA, I didnt provide information about the cancellation policy. I did not cancel or did not attend because it was my choice, all business where closed and I was not able to get in contact with anyone to obtain my money back, which I clearly stated on the letter BOA requested from me.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and this is my official notice that I've been a victim of a crime. The Fair Credit Reporting Act ( FCRA ) Section 605B offers identity theft victims with critical protections that can help them recover more swiftly. An Identity Theft Report can be used to permanently remove fraudulent information resulting from identity theft, such as accounts or addresses, from a victim 's credit report under the FCRA 's sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). 

I have tried to contact this company a number of time, it still continues to report the fraudulent accounts in my credit report. Below are the fraudulent accounts of my concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX I am attaching my previous dispute letter that I had sent them including a fully signed FTC report document for your analysis and review
Product: Debt collection

Company has failed to maintaining a system reasonably capable of receiving from CRAs information regarding disputes, including supporting documentation. 
Company has failed to conduct an investigation of the disputed information including reviewing : a. all relevant information forwarded by the CRA and ; b. the furnishers own information with respect to the dispute. 
Company has failed to report the results of the investigation to the CRA that sent the dispute. 
Company has failed to provide corrected information to every nationwide CRA that received the information if the information is inaccurate or incomplete. 
Company has failed to modify or deleting the disputed information, or permanently blocking the reporting of the information if the information is incomplete or inaccurate, or can not be verified. 
Total owed was XXXX due to XXXX.
Product: Debt collection

This debt was previously deputed and deleted on XX/XX/XXXX. ( Proof attached ) The company then reasserted the debt without any notice. 
The orignal lease was from XX/XX/XXXX to XX/XX/XXXX for XXXX XXXX XXXX # XXXX XXXX. The amount being collected is for XXXX XXXX XXXX # XXXX of which I did not apply for or request to sign a lease for. When requesting validation and verification, the company sent over forged documents altering the date from te original lease and changing the apartment unit. However, in doing so they failed to realize, the date the lease was printed and signed remained at the bottom of the lease. XX/XX/XXXX shows also on the back of the altered document. You can also see where the date line is crooked and drawn through after it was altered. ( I folded the paper to show the forged date and dates from the bottom of the lease. I can send in the document if needed ) This company continues to call my phone and harrass me, even after Ive instructed them to stop calling.
Product: Vehicle loan or lease

On XX/XX/XXXX I leased a XXXX Volvo XXXX and ended the lease on a XXXX Volvo XXXX. Both cars were covered by a 36-month bumper to bumper warranty. The XXXX XXXX was turned in after 34 months because Volvo would pay the lease costs on the final months of the lease if I leased a new XXXX. 
On XX/XX/XXXX Volvo Car Financial Services sent me an invoice for {$200.00} that included a charge of {$130.00} because the maintenance light and the tire pressure light stayed on ( attachment XXXX ). When I asked XXXX Volvo XXXX XXXX XXXX XXXX, XXXX, VA XXXX, where I leased the car, I was told that both items were covered by Volvos warranty. However, I had to talk to Volvo Car Financial Services since they sent me the invoice. 

In a series of phone conversations with Volvo Car Financial Services on XX/XX/XXXX, and XXXX the total bill was reduced to {$140.00}, a reduction of {$67.00} XXXX attachment 2 ). When I asked how they came to that amount I was told that the maintenance light/tire pressure light was taken off the bill, but I still had to pay for {$130.00}, plus tax, for the right front door. I have no issue with paying for the door panel ; however, no tax was ever charged before, so why is tax suddenly being charged. The second issue I have, is that if the {$130.00} is subtracted from the {$200.00} that I was billed, I should be paying {$73.00}. 

I have never been given an explanation of how the {$140.00} was calculated, only that was the amount that I had to pay. When I further questioned the amount, I was told to talk to XXXX Volvo and they should pay any difference. When I again talked to XXXX Volvo, I was told that it had been mentioned to management, but no action had been taken. I also did not receive a response to a follow-up email I sent to XXXX Volvo. Consequently, I am in a catch-22 situation where Volvo Car Financial Services say I need to talk with XXXX Volvo and XXXX Volvo says I need to talk to Volvo Car Financial Services yet both are part of Volvo Car XXXX XXXX or its affiliates or licensors ). 

The maintenance light/tire pressure light issue was covered by Volvos warranty. The XXXX XXXX had been scheduled for maintenance at XXXX Volvo on XX/XX/XXXX, but was cancelled when I no longer was leasing the car. In addition, XXXX Volvo informed me on XX/XX/XXXX that the XXXX XXXX had been sold, which indicates the routine maintenance was performed.
Product: Debt collection

LVNV has violated Federal laws concerning the use of private information. LVNV is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting LVNV to provide documentation used to determine that all disputed negative accounts were verified, consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language. If LVNV isn't able to provide said items, negative accounts must be removed immediately. 

Consumer has attempted to resolve this matter for over a year, Consumer is providing 3 days to verify alleged debt LVNV you are interfering with commerce and this is a Federal Crime.
Product: Credit reporting or other personal consumer reports

I don't know who this Company is, I don't have any binding CONTRACTS WITH YOU, Stop All communications until you send me All Validation of Debts Documents.Why did you report on XX/XX/year> for ( {$390.00} ) Send Me A Copy Of My ID Card So I Can See If You Have The Right Person, Thanks According to 15 U.S.C.1692 ( c ) You have VIOLATED my RIGHTS by unlawful COMMUNICATION. PLEASE Remove this Collection off my Credit Report Thank you.
Product: Debt collection

I have filed previous complaint against Comenity Bank for harassing phone calls at least twice a day for my son 's credit issues-NOT mine. Obviously they call relatives to try to harass them for someone else 's debt that I have no control over. He does not live with me and it's ridiculous. They have started to harass my younger son as well calling and leaving messages on his cell about my older son 's deliquent account.I have blocked them on my cell but now they call with restricted numbers and leave voice mails! Here are the list of numbers they've used so far : XXXX XXXX Messages on Voice mail from Comenity Bank ( the ones I didn't delete ) Ms. XXXX XXXX XXXXX   XXXX XXXX XXXX XXXX 
Mr. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. 
Mr. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. 
XXXX XXXX X XXXX XX/XX/XXXX, XXXX XXXX. 
The account is for my XXXX yr old son XXXX XXXX. I would appreciate any help I can get with having them stop bothering myself and my family who know nothing about my son 's debt issues. I filed complaint before and they stopped calling my home number now our cell numbers! Thank you, XXXX XXXX
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. XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX 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 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.