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

Greetings, On XX/XX/2021 ... I applied for what was assumed to be a pre qualified business signature leverage card! It clearly stated that it was a soft pull to check for identification, terrorism funding, etc ... and then 1 day later, a hard pull from us Bancorp popped up on my personal credit report file? I called to try and resolve the issue and was on hold for 20-30 minutes at a time with 3 separate agent reps, so basically I was on hold for over an hour just to be told that I have to file a complaint with the office of president!!! Im so XXXX off about this ... you have no idea! This isnt fair at all ... I feel violated!!
Product: Bank account or service

On XX/XX/2016 I checked my Huntington account and noticed XXXX charges of {$25.00} which I did not make. Also I noticed on XX/XX/2016 I had XXXX late charges of {$37.00} when I had money in account and did n't have any purchase.. I called to get charges which were unauthorized and the phone customer service person who gave her name as XXXX for customer service number XXXX at XXXX said I have to send in documentation to remove unauthorized account for complaint number given to me XXXX XX/XX/XXXX. I also asked for email documentation of my request to remove unauthorized items and XXXX first said they would sent me email verification but did n't then said it would take 45 days to correct iten not ten as she said before. Huntington continues to remove monies from my account without my authorization. They continue to charge me late fees without cause and the only way you can now contact have phone operators who refuse to provide fixes to errors and do n't correct errors and false charges on account. Also I received a notice that people have had unauthorized access to my account checking my balance without my permission, denied by Huntington customer service rep. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still has my brother 's name listed within my personal information and identification of MyEquifax account. My brother and I have been trying to get all of our information separated for quite sometime ; however, Equifax has still not completed our requests fully and accurately. This is causing my brother and I hardships because of their ( Equifax ) errors, and their inability to complete our disputes fully and accurately.

My brother has given me permission to send his complete name via his driver 's license and his social security card. I've also included my name via an image of my driver 's license and a copy of my social security card to show that we are different people with different names, different dates of birth, and different social security numbers. Our personal details are listed side-by-side so that Equifax can see the differences in us both.

I have also uploaded a screenshot of my my personal " MyEquifax '' account page to show the inaccurate information on my account. I've written my username on the screenshot and have circled each section that Equifax needs to review.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX  XXXX acct # XXXX.
Product: Student loan

They are withholding my voluntary refund. I placed a request in XXXX 2022 and I still have not received my refund after reaching out to them over a dozen times.
Product: Money transfer, virtual currency, or money service

This is regarding a PayPal account. PayPal customer service has been nearly impossible to reach, and when they responded they did not help but instead tried to connect me ( again ) to a chatbot. I would like to close my account because at this point I am unable to access it, and they are effectively holding my account and banking information without my permission. 

I am unable to log in to my account because it currently has a security feature that requires a 6-digit code from an Authentication app ( XXXX XXXX XXXX. That app was on my old XXXX, which is broken and discarded. I have a new XXXX with the same phone number but the XXXX app data can not be transferred to the new phone. 

Without the XXXX code, I can not access my PayPal account XXXX I contacted PayPal phone support to request that XXXX and the Authentication security be temporarily removed from my account so that I can set it up on my new phone. PayPal 's phone recording says they can not help by phone and can send a text message link to a PayPal XXXX assistant. I sent a message via the chatbot, and 6 hours later received 5 responses from PayPal : Every response said to log in to my PayPal account Message Center to retrieve the message, which I can not do because I'm locked out of the account. The customer service via chatbot has not responded to any more messages. I then contacted PayPal via XXXX XXXX : After 8 hours, a customer service agent responded and asked for my username, which I had already provided. I provided the username and 12 hours later, the PayPal rep via XXXX told me they could not help and to contact PayPal by telephone. They gave me the phone number that tells people they can not respond by phone, and which connects customers to the chatbox assistant. The PayPal XXXX customer support has not answered any further inquiries in several hours. 
I believe my banking information, stored with PayPal, is being held hostage with no way to access or delete my account. I do not believe that I have funds stored with PayPal, but I am not certain and can not check. I will be happy to provide my username upon request. I have two accounts with PayPal and am currently trying to close both accounts as a result of this experience.
Product: Vehicle loan or lease

I have an auto loan with Bridgecrest. I have paid off the loan and bridgecrest keeps inflating the principal balance. XXXX of XXXX I only owed {$1700.00}. Ive made several payments since then to have paid the loan off time and time again. Now theyre reporting me late and {$1900.00} due. I have XXXX  in my car and I really think theyre trying to do that to take my car. I have paid my car on time for 5 years and theyre reporting me late purposely. I need your help. I am trying to purchase a home and its not fair that I cant because theyre faulty reporting is affecting my private credit report.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) 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. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Heading to my documentation that I have with the credit repair agency the credit bureaus have not updated my credit report accordingly to the CFTBI want my credit report 's to be listed as current thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of accounts in my report that are not familiar with me, I was a victim of identity theft and I have reported it to the police. I sent letters to the bureaus, but they did not send me any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING A LATE PAYMENT FOR MY CREDIT CARD WITH XXXX  XXXXXXXX XXXX  FOR XX/XX/2022. I HAVE NOT MISSED A PAYMENT AND NO OTHER CREDIT BUREUA IS REPORTING THIS LATE PAYMENT BUT EXPERIAN. 

AFTER SEEING THIS LATE PAYMENT I CONTACTED XXXX XXXX. THEY EXPLAINED THAT THIS WAS A BILLING ERROR ON THEIR END AND THEY CORRECTED THIS ISSUE AND ISSES A REFUND FOR THE FEE. I HAVE ATTACHED PROOF THIS LATE PAYMENT IS AN ERROR.
Product: Student loan

I called to sign up for the rate reduction plan again. I was made to believe that it was complete and would be reflected in my next statement ( {$420.00} ). I was then charged without being notified, twice for my loans ( {$820.00} ). When I called to get the problem resolved, they said it would take 10-20 days for a refund and needed a bank statement to show that they bounced my checking account. I called 3 separate times with all completely different answers about how to result the issue. My loans are still not refunded. Then when checking my account today XX/XX/17, I saw that only three of my loans were qualified under the new rate reduction plan ( {$420.00} ), which have always covered all four of mine, and a new charge had been added for the forth ( {$180.00} ). All the interest rate tripled since this month ( 8 %, 10 % ), and I have no been able to get anyone on the phone to remedy this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that on my Experian credit report there has been several ( four ) unauthorized inquiries in XX/XX/2022. This was extremely unsettling since during this same month two of my accounts were compromised as well. The following are the events that transpired : 1. I went on vacation on XX/XX/XXXX thru the XXXX, traveled back on the XXXX. 
XXXX. On XX/XX/XXXX there was an unauthorized XXXX XXXX inquiry on my credit report. 
XXXX. On XX/XX/XXXX, my XXXX account was hacked with several unauthorized transactions, where as I was forced to freeze the account, change passwords and was reissued a new XXXX card. 
XXXX. On XX/XX/XXXX thru the XXXX, my XXXX XXXX XXXX was hacked with several unauthorized transactions, where I once again was forced to freeze the account, change passwords and was reissued a new XXXX  XXXX card. 
XXXX. On XX/XX/XXXX, there were more unauthorized inquiries from XXXX XXXX again, XXXX and a XXXX. 
XXXX. Due to the nonstop inquiries, I was forced to lock my Experian account immediately so no more inquiries will bombard my credit report. 
XXXX. After XX/XX/XXXX, I noticed the lock on my mailbox was broken, making my mail easily accessible to anyone. Therefore, due to the compromise, I had mailbox lock replaced and reinforced. 
XXXX. On XX/XX/XXXX, there was an unauthorized attempt to open a checking account with a XXXX XXXX. Thankfully, due to the lock on my Experian credit report the company could not process the application. 

I was advised by XXXX and XXXX XXXX that my cards where most likely compromised while on vacation since all these events that compromised my financial accounts and credit report happened immediately after my vacation. 

It is suspected that the hackers who compromised my accounts are the same who tried steal my identity to open new accounts in my name and broke my mailbox lock. They were hoping to steal my identity, get new credit cards, take them from my mailbox and use the credit cards while I would be stuck with the charges! 

Obviously, someone is monitoring my financials so now I have to be extremely careful with the security of my accounts going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 1 XXXX XXXX Account # XXXX NEVER LATE PLEASE UPDATE
Product: Mortgage

I have been making extra mortgage payment to HSBC Mortgage, they have been splitting the payment and applying it to future months. IE : payment due XXXX, sent XXXX and they take out two months of escrow, and apply bulk of the principle to XXXX 2016, cheating me out of my interest savings.
Product: Credit reporting or other personal consumer reports

XXXX CREDIT CARD ACCOUNT ENDING IN XXXX IS NOT MINE ACCOUNT I SENT A DOCUMENT FROM THE CREDITOR WITH THIER RESULTS. EXPERIAN DIDNT DELETE THE INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I mailed a certified dispute letter to LTD FinanXXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 20 complaints on XXXX  they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Product: Money transfer, virtual currency, or money service

I got scammed a few years back for XXXX for {$400.00} on XXXX. I was told that Chase can't help me with this issue
Product: Debt collection

XXXXXXXX XXXX sold my childrens medical information to a creditor. This creditor has called and mailed me several letters threatening to damage my credit and garnish pay. 
I never signed a HIPPA release for any of my childrens information to be released from the XXXX office. 
I have also tried contacting the XXXX office to see if the insurance could be re ran.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I noticed that my credit score dropped by XXXX points. ( XX/XX/XXXX ) I have had a score of over XXXX for 20 years. The reason given was that I was late on a payment for XXXX card. I disputed this with Experian, XXXX XXXX and XXXX. I sent a dispute request to all 3 companies. 

Today, XX/XX/XXXX I recieved an reply from Experian that my dispute was denied. However, they oncluded a report that under status reported " Paid, Closed/Never Late '' copy is below. 

I was hoping to buy a house, but those plans are on hold given the drop in my Credit Score. I believe that if the Credit Reporting companies should be required to notify someone in advance of dropping their score by XXXX points. Especially in light of the erroneous information. 
XXXX Good opens fico registered score tooltip XXXX XXXX/XXXX/XXXX Changein score by negative value Key factors affecting your score : What's helping No serious delinquency What's hurting Number of missed payments Your FICO Score compared to U.S. average by age : YOU ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your FICO Score History GraphScreen reader users switch to table view Table Graph Legend 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 Want to take a closer look at your credit information? For a free copy of your credit report, go to XXXX Opens in new window. 




Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name XXXX CARD Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$25000.00} Highest balance {$6500.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments XXXX Closed
Product: Checking or savings account

I have a checking account with Fifth Third ( XXXX ) bank and XXXX XXXX XXXX ( XXXX ). I wanted to make a transfer from XXXX account to XXXX. I used XXXX bank 's online banking from desktop/browser to add my XXXX checking account and than initiated a transfer for {$250.00} on XX/XX/2018. While I was making the transfer none of the screens in online banking showed that there will be a {$3.00} service charge to use the service. After I submitted the transfer, I got an email on XX/XX/2018 that the transfer is complete even this did NOT mention that there will a {$3.00} charge. I got to know about the charge only when I checked my account statement, it debited {$250.00} for a {$250.00} transfer I made. I called the customer service and they said that there is nothing they can do as it is not a reversible fees. 

This is very bad experience and day light robbery.
Product: Vehicle loan or lease

My issue is with Toyota Financial Services ( TFS ). In XX/XX/XXXX, I wanted to make a payment to principal on my loan. I attempted to do this on the TFS website where I make standard payments. The website does not allow for principal payments. I telephoned TFS and spoke with a customer service representative name XXXX. XXXX provided me with the TFS address for sending principal payments. XXXX also informed me that I could make a principal payment over the phone with a representative. On XX/XX/XXXX, I called TFS and made a principal payment by phone, and about a week later, I received a letter of confirmation from TFS for this payment. 
This XX/XX/XXXX, I again called TFS to make a principal payment to my loan. This time, the representative told me they do not accept principal payments over the phone ; they only accept payments by mail. This was confirmed by a supervisor and I submitted a formal complaint about the matter. 
In my opinion, this is a shady business tactic. TFS charges interest on a daily basis. Not allowing online or phone payments that can be processed in a timely manner, allows them to charge more interest to the consumer, in the time it takes for the consumer to hand write a check, place it in the mail, the parcel ships ( 2-3 days ), and while it sits on someone's desk waiting to be processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$4000.00} TransUnion : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00}
Product: Debt collection

XX/XX/19 : XXXX XXXX Hospital {$3400.00} & {$1100.00}. Tried disputing with company to no avail nothing happened. Tried getting help paying bill thru assistance program
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in contact with transunion for over 6 months. This company continues to report information from a XXXX XXXX on my report. Specifically a item from green dot bank. I've reached out to XXXX XXXX XXXX and they have agreed my information does not match this file! 

They refuse to remove this item from my report as both XXXX  and XXXX  have already done. 
I've made it clear to transunion that section 609 of the FCRA makes it clear this information needs to be verified. I've asked for many documents that show this is my card or account, transunion has not provided it. 
I've exhausted all options to get this removed. 

This is not my account. The social, the name, etc do not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unsure on how many accounts have been opened in my name without my knowledge or consent .I 'm a person with XXXX who has been abused neglected and financially exploited by a trusted family member /members. I'm currently homeless and my kids taken from me based false reports made by XXXX XXXX and XXXX XXXX in efforts to kidnap my kids by false allegations from XXXX XXXX who was awarded custody of my kids based on all the fraudulent statements about filing identity theft by someone that was not done on behalf, nor with my knowledge nor consent. I am in no way part of any of the allegations or insurance fraud committed by the parts involved with aquirimg my credit report and illegal use of it and with out my consent or is not my power of attorney. Bc I have not been able to get financial help or employment due to false reporting done in my consumer report He abused me and used position as a trust agent or being a person who should care to acquire my accounts in my fraudulently order cards to be replaced used school loan documemts for false purposes and claim they were identity theft on my behalf or that I was in no way taking care of my children when infact he abandon us and then without my knowledge has been receiving funds accessing account and changing my address using stolen email accounts and passwords from my home and also has a phone that has several XXXX accounts that I haven't used or created to make this fraudulent claims with.
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 Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 or other personal consumer reports

I am writing to bring to your attention a discrepancy I have identified on my credit report, dated XX/XX/2025. After a thorough review, I noticed an account that doesn't belong to me. I am seeking your assistance in promptly removing this accurate entry from my credit history. The questionable account is XXXX XXXX
Product: Mortgage

USBank : Account # XXXX US Bank Timeline XXXX I sent my Instrument of payment in the amount of {$130000.00} to USBANK CERTIFIED MAIL. XXXX XXXX XXXX XXXX XXXX, MO XXXX. TRACKING # XXXX. 

XXXXCertified Mail was delivered. 

XXXX I received refused Payment Of Instrument via ups from USBANK With notice dated XX/XX/2022. I spoke with supervisor XXXX ID number XXXX in regards to the refused payment and informed her of XXXX and XXXX. 

XXXX I sent a Conditional Agreement to USBANK with the Attention of XXXX XXXX CERTIFIED MAIL. TRACKING # XXXX