23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX 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 EQUIFAX XXXX XXXX XXXX EQUIFAX 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: Payday loan, title loan, personal loan, or advance loan

I got a loan with instaloan they are in partner with TitleMax super high interest rates, scaming people all over the world very sketchy contract high yearly rates I like this contract terminated, and they should be out of business I appreciate your time today.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2020 the Experian received a formal letter from myself XXXX XXXX XXXX XXXX in regards to negative items that I believed were incorrectly reported and/or flat out not accurate. They were given thirty days under the Fair Credit Reporting Act and today is day 31 and I have not received any updates or results from their investigation. I also then sent a letter on XX/XX/2020 to be overnighted to Experian asking them to comply with my request by removing items that were not removed and for a copy of that request after executed. Also on XX/XX/2020 I filed my complaint with the Consumer Bureau to make them aware of this situation with the aspirations of actual fair results that Experian was not able to provide.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and i am writing this complaint under distress about the consumer agency Transunion as they are reporting an unauthorized inquiry on my consumer report. I am spoke to more than one representative and they are not being helpful to remove this inquiry. This new account has dropped my credit score and i and stressed. Please help as i can not get proper assistance from Transunion. I have already created an FTC as well. This is the inquiry info below. 

XXXX XXXX ( XXXX ) XXXX XXXX, 2025
Product: Debt collection

To Whom It May Concern, I am filing a complaint regarding a fraudulent debt that has been placed under my name by a debt collection agency. I recently viewed my report and found out this collections companies information on my report MIDLAND CREDIT MANAG Date Opened : XX/XX/XXXX, XXXX XXXX  Date Opened : XX/XX/XXXX and XXXX XXXX XXXX Date Opened : XX/XX/XXXX about this accounts I did not authorize and open. This debt is result of identity theft, as my personal information was used without my consent. 

I believe my information was compromised through " Date Breach ". I have filed FTC complaint about this matter. Despite this actions, the fraudulent debt is still on my report and it's really affecting my credit. 

I request that the CFPB assist in ensuring that the debt is removed from my credit and that all collection efforts be stopped. 

Please investigate this matter as required by the Fair Credit Reporting Act ( FCRA ) and assist me in resolving this fraudulent activity. 

Thank you for your attention. 

Sincerely, XXXX XXXX
Product: Credit card

My Credit card was blocked for a security alert. I call the bank, I cancelled my card and ordered a new card. After my blocked credit card was charged several times, the bank don't know why. Amounts remain in my credit card balance. I called the company received pays and they ask the ARN number ( they said it mus provide by bank ) I ask my bank for ARN number for any of transactions but they don't send the information.
Product: Debt collection

On, or about XXXX/XXXX/XXXX Franklin Collection Services began reporting a collection account to the credit bureaus. The company failed to notify me of my rights via written notice within a 5 five day period. As such, this agency is in violation FDCPA 1692g ( a ), which states " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ''
Product: Mortgage

We went into forbearance with covid relief in XXXX due to loss of income due to the pandemic. We work with XXXX XXXX XXXX in the home and were unable to have steady income due to the pandemic. We have 7 children and this was a lifeline during a very difficult time. Since coming out of forbearance we have attempted to modify the loan multiple times, each time being denied with no reason. 
We started applying in XXXX of XXXX. We have attempted multiple times since that time. We have also been receiving calls saying our home is on the market for foreclosure but have never received a notice of sale or sale date or any other type of information from Mr. Cooper or any other company. We also can not make any payments with Mr. Cooper unless we pay the full amount due from the forbearance. They have not been clear on any ways to avoid foreclosure, other than modification, however they continue to deny the modification with no reason.
Product: Credit reporting or other personal consumer reports

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

XX/XX/21 I signed into the website to make a payment. It was so stressful then by the time I got signed in it wouldnt take my payment. So I called them. Well since they recently sold my loan to another company it was too new of an account so thats why it wouldnt allow me to. Then they wanted to charge XXXX $ to take the payment over the phone and XXXX  $ thru the on- line system. This is not right! I didnt pay it I went to the post office and sent a money order because they said my online bill pay from my bank could get lost in the mail and to send a regular check, which that makes no sense! Still cost me just as much because I needed delivery confirmation! Its very stressful! I bought Money order too because I wasnt about to send a personal check to get lost
Product: Credit card

I had purchased a GAP Store Credit card due to some promotion. However, I was not communicated properly for the balance ( which I had assumed that I had paid off ) and was reported late payments multiple times by the same vendor without proper communication. When I had finally checked the XXXXredit score and noticed the late payment. I had immediately paid off and closed the card. However, it was very late then. The store did not do a proper job in communicating the late payment and had reported it to the credit bureau without my knowledge. This has badly affected my credit score and it does not go away even after 4 years. I would like to request to remove my late payment from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

We took advantage of XXXX XXXX XXXX XXXXXXXX 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XXXX XXXX XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called XXXX  to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.
Product: Credit reporting

I sent a direct dispute to XXXX about the account they have on my credit file. They sent a letter back stating the account would be deleted from my file within 30 days. However, TransUnion still has the account listed on my report. Which is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX XXXXnd there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX {$3500.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX XXXX {$2600.00} US DEP ED XXXX {$20000.00} XXXX  XXXX  XXXX {$450.00} XXXX XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX {$24000.00} US DEP ED XXXX {$25000.00} XXXX XXXX {$4300.00} XXXX XXXX {$870.00}
Product: Vehicle loan or lease

I been riding around with a paper tag on the car. Now for 11 months.When I purchased the car the company went out of business. I been having a hard time getting a tag for the car. I make my monthly payments on time.
Product: Credit reporting

I can not get transunion to properly investigate and remove inaccurate information on my credit report.
Product: Debt collection

I never received a bill from XXXX XXXX XXXX in XXXX. It was a {$200.00} bill from XX/XX/2016, for my son when he was born. I had two insurances at the time. ( XXXX XXXX XXXX XXXX XXXX XXXX ) The bill was sent out to XXXX XXXX but never got billed to my secondary insurance, which would have taken care of the rest. I have made calls to both the hospital and the collections agency XXXX and have been told the bill is so old the only option is to pay it. XXXX offered me 20 % off the bill if I paid them right now, and said the only way it can come off my credit is to pay it. I cant understand how I never received a bill or any document notifying me I was going to be turned into collections. If I had, this would have been cleared up through insurance. I want this removed off of my credit.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Portfolio Recovery Associates is reporting an inaccurate collection account on my reports. Each credit bureau is alleging that I owe a balance more than what Portfolio Recovery Associates is alleging I owe which is in violation of the FCRA. If the credit bureaus are getting their information from the same place, how is it that they are reporting inaccurate information? I am requesting that this account is deleted from my reports at the simple fact that the credit bureaus are in violation of my rights as a consumer and the consumer law of reporting inaccurate information which is illegal.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized credit inquiries that have appeared on my credit report. I believe these inquiries were made without my permission, and I am requesting that they be investigated and removed from my credit file. Below are the details of the unauthorized inquiries : 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 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 These inquiries are negatively impacting my credit score and have caused me considerable distress. I did not authorize any of these entities to conduct credit inquiries, and I am concerned about the potential misuse of my personal information. 

I request that the CFPB investigate these inquiries and take appropriate action to have them removed from my credit report. Additionally, I would like to be informed about the steps taken to address this issue.
Product: Debt collection

XXXX sent me a cancellation bill. Before I had moved to my new home I called and told them I was moving outside of their service area. According to the contract I signed I was not responsible for any cancellation fee if moving outside of their area. I received the bill XX/XX/XXXX. I called XX/XX/XXXX and tried to explain they were mistaken, but was transferred in a circle about 5 times before I just caved and paid due to their XXXX tactic to get people to pay for things they were n't responsible for. They cashed my check on XX/XX/XXXX and then sent the bill to collections in an attempt to collect payment twice. I called XXXX and confronted them about it and the " supervisor '' said he 'd look into it. I then called the collection agency which informed me I still owed them the same amount. XXXX never notified me or reached out in an attempt to collect the money due and never sent a second notice other than the original bill which was received 3 weeks ago. They have tarnished my credit which has never had a missed or late payment and they did this over a bill that was paid in full immediately after receiving their first notice.
Product: Credit reporting or other personal consumer reports

please remove these inquiries from my credit report. The inquiries is following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Account Number : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Services is engaging in illegal re-aging practices by re-opening an old account from over 4 years ago. This company also refused to provide documentation showing the accuracy of the open account dates. This illegal act has caused my credit to drop tremendously.
Product: Debt collection

I have received a debt collection letter from Aldo 's and Associates. I have investigated this matter and realize this is not my debt. I then contacted the i.r.s and gave them notice of this account. it is a health and fitness account. I submitted documentation to the i.r.s and they cancelled out the debt. I have sent XXXX and this is XXXX first letter to stop collections and remove negative item from credit report or face a fine and audit. This is to be removed immediately and collection of this debt must stop. I have included a copy of the cancellation from the i.r.s and your company has failed to abide by the law.
Product: Credit card

An authorized transaction of {$48.00} was put on my CC on XX/XX/year>. I made the complaint to my Credit Card Bank, which initially gave me credit for this amount but later XX/XX/year> put the charge back on my credit card. 


The Credit Card Bank 's Fraud & Dispute team is not responsive or helpful. I have made multiple calls to them, and I only heard back by mail that they have determined the transaction ( s ) are authorized and valid. 

The Credit Card Bank 's Fraud & Dispute team concluded the investigation without reaching out to me for any information.
Product: Student loan

I was referred to Sally Mae to assist me with paying tuition. With my grandmother being a consigner I was approved right away. I have a total of four loans with Sally Mae. After graduating from college and trying to find employment Sally Mae started sending threatening letters and harassing phones call to me and my grandmother. They even went as far as calling my grandmothers place of employment harassing her. They are wanted almost {$1000.00} a month for payments. As I explained to them I was only making a certain amount an hour and it was impossible to pay what they were asking for. I agreed on my own to pay what I could and they stated " because it is not the amount we want we will still call you ''. I know it is against the law for them to call after I requested not to. However they continued. They said that they do not offer any Income Based Repayment Plans. Sally Mae has called my parents, my aunts and my siblings trying to get ahold of me. This is absurd. I am filing a formal complaint against Sally Mae for harassment. They do not care that I have to survive on my own and can not pay {$1000.00} a month for four loans. The economy is not the greatest and companies are not paying college grads enough money to even pay their bills. Sally Mae is a bully.