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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Reference # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX  - XXXX
Product: Checking or savings account

My issue started with receiving a payment from a deposit being returned for ( {$4000.00} ) and bank not releasing payment sent to utilities etc.
Product: Prepaid card

AMEX gift card for {$50.00} is declined every time I have tried to use it. Online or in store. I have checked the balance numerous times. Verified everything. AMEX customer service is no help. Online assistance is no help. Website hardly works correctly.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Regarding Misuse of My Credit Information Dear CFPB, I am writing to file a formal complaint concerning the misuse of my credit information, which has negatively affected my financial standing and peace of mind. 
I discovered that my credit information was accessed/used without my consent by Equifax and XXXX. This unauthorized use of my credit information has led to denial of credit, harassment from creditors, etc. 

Details of the situation are as follows : - unauthorized credit inquiries, fraudulent accounts opened in my name I have already taken the following steps to address this issue : Despite my efforts, I have not received a satisfactory resolution. I am requesting that the CFPB investigate this matter and take appropriate action to protect my rights and ensure that my credit information is handled properly. 
Thank you for your attention to this serious matter. I look forward to your prompt response regarding the steps that will be taken to investigate my complaint. 

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

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. Incorrect Employers : My current Employers is XXXX XXXX XXXX XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Student loan

I am a XXXX XXXX XXXX/XXXX  veteran. I served 20 years in the military. After retirement I decided to use my GI Bill to attend XXXX University and obtain my degree. I am just 2 classes short from earning my degree at this point. ( XXXX did not accept all of my military credits as transfer credits and, I took a full course load for 4 years - but still don't have a degree somehow ). 

In 2015 I stopped attending XXXX full time since I just needed 2 more classes. During school, I ended up borrowing using some student loans since I had a wife and XXXX children who came with me to XXXX and we had extra expenses than what the GI bill covered. 

My student loans became due several months later. I paid them but slowly it became too difficult as I was not working, my wife also owed student loans, and I had a daughter approaching college age. 

I tried relentlessly to contact XXXX, XXXX and XXXX XXXX, which were servicing my loans, to get my payments deferred or reduced. When I called there was always a 1-2 hour wait. I called to ask them to talk to my wife who handles our finances. They said they would send me an email form to complete and return - I never received the email. I tried to use their online website to submit payments and contact them but the website would not let me create a user profile and log in. 

When I finally reached someone at XXXX XXXX XXXX they said I could set up loan deferment and we set it up over the phone. Three months later I found monthly email statements that showed they had never processed my deferment request and had been charging me each month, which put me in a delinquent status! I called and waited on hold for over an hour and they put me on a payment plan. Several weeks later the payment became due, but when the statement came it was for more than the amount we had agreed upon on the phone! 

I suffer from XXXX from my time in the military. There has been so many obstacles to working with these school loan servicers it has been so difficult. I have been unemployed for most of the time since attending XXXX, but I have not been able to reach the servicers to apply for deferment or forbearance since my early attempts. 

My school loans have now gone into default. We were sent a letter saying we now owe {$40000.00}, but I know I did not borrow this much money. I have records that show 1 loan was only {$3000.00}. My family needed money from our tax returns recently, but over {$10000.00} were taken in garnishment. 

I do not know who to call or where to turn at this point. 
1. How do I get straightened out what amount I really owe? 
2. How do I get back on some realistic payment plan, given that I am still unemployed? 
3. Is there a payment plan for veterans that are XXXX? 

Thank you in advance for your assistance. 
XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXXXXXX website is having serious isssues. I was able to obtain my XXXX report, but I had to refresh my browser and print to PDF instead of being allowed to save. XXXX then threw an error and told me I had to do it by regular mail, and the main XXXX interface skipped right over Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Home equity line of credit with National City bank which was purchased by PNC Bank, I opened the account in XXXX, the loan amount was up to XXXX dollars, I paid this account as agreed until I fell ill with XXXX and was in treatment for over 6 years, During this time I was unable to work and was placed on XXXX by my insurance company. WE obtained a modification from PNC and paid the agreed amount although they took the payments, they reported all late because of the delay in obtaining a modification. After a full recovery and my ability to work again starting in XXXX of XXXX, we made payments and eventually paid the balance of XXXX when we sold our home. PNC reported and still reports that this loan was charged off, I never received any type of notification that PNC intended to or did charge this loan off, my first realization was when it showed up on my credit report with XX/XX/XXXX when i applied for a new construction mortgage. I have tried in vain to have this " Charged Off '' notation removed from my credit report, several attempts at PNC and at XX/XX/XXXX. I have attached documents showing my request for pay off and my Letter of " Congratulations '' showing my loan was paid in full with all charges and interest. and a release of lien. I also have attached the closing statement showing the payment to PNC from the proceeds of the sale of our home. I believe they received a tax break from the IRS for this Charge off and they were paid in full for this loan.
Product: Credit reporting or other personal consumer reports

This was my follow up with regards to my previous complaint dated XX/XX/XXXX. That time I noticed these items that DO NOT belonged to me, and neither did I initiate an authorization towards who ever have these data that I am listing in complaint and reported through Federal Trade Commission ( FTC ) with reference # XXXX. And I am attaching my FTC Fraud Report in this complaint again for your information source. Please remove the listed items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX Balance XXXX {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} Original Creditor XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my second attempt to resolve a clear violation of the Fair Credit Reporting Act. As the directly affected consumer, an immediate response is expectednot an automated or generic reply. Any further delay or failure to act will be considered willful noncompliance, exposing the responsible party to severe legal consequences and substantial monetary penalties for each violation. The unauthorized account in question is XXXX XXXX XXXX Account Number : XXXX. Reporting this account violates 15 USC 1681b ( 2 ), which explicitly prohibits the furnishing of credit information without the consumers written consent. No such authorization was ever provided, making the presence of this account on the credit report illegal. This reckless misreporting has already caused significant financial harm, credit denials, and XXXX XXXX, all of which increase liability under the law. An immediate and permanent deletion of this account is demanded. Verification through automated systems such as E-OSCAR will not be accepted, as that does not satisfy the FCRAs reinvestigation requirements. A proper manual review must be conducted, and written confirmation of deletion, along with an updated credit report, must be provided within 14 days. Failure to comply will result in immediate legal action to hold the responsible party accountable for knowingly violating federal law, with maximum damages aggressively pursued for this unlawful reporting. This matter requires urgent attention.
Product: Money transfer, virtual currency, or money service

Sent money thru cash app person no longer had same XXXX XXXX. Money was just sitting because recipient no longer had cash app. Couldnt reach a real person to try to get refunded
Product: Debt collection

AllianceOne purports that I owe them {$100.00} with no justification or lawful cause. Their client purports I owe a debt and I do not owe this debt. Here is why the debt that AllianceOne is attempting to collect is improper.
XXXX XXXX, 2017 This is from the Local Rules for XXXX XXXX County : Rule 5.16 ( d ) " Sanctions and/or fees may be imposed on any party that fails to contact XXXX  at least 24 hours before the scheduled appointment. '' No sanctions or fines apply to me since I contacted XXXX last time 24 hours prior to cancel and sent AllianceOne all proof of said in six ( 6 ) prior emails and written letters.
I also infer that without fail no party cancelling 24 hours or more in advance shall be liable for fines, and therefore, I do not owe any fines.
In view of this, AllianceOnce, the collection agency, needs to cancel my fines and send me a confirmation of this said ( regarding Account # XXXX ) since they have not yet done so.
Product: Credit reporting or other personal consumer reports

The negative accounts are still reported in my credit report. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have XXXX loans through Conns. I have fell upon hard times in the last month and have n't missed a payment prior for a year. I am late on a payment less than thirty days and they call me at least 7 times a day. Today it is XXXX and they have called me three times. I have asked them to stop calling me repeatedly daily but they keep calling. Please help.
Product: Credit card or prepaid card

On XX/XX/2021, I checked two bags online ( {$30.00} each ) for a XXXX XXXX XXXX flight from XXXX to XXXX La XXXX on XX/XX/2021 and paid with CapitalOne Visa. I was charged again by CapitalOne Visa for {$60.00} on XX/XX/2021. 

I provided CapitalOne Visa with documents supporting my claim that I should only have been charged for two {$30.00} baggage fees from XXXX XXXX XXXX. 

Despite months of trying to resolve it, CapitalOne Visa refused to credit my account. 

Further, on XX/XX/2021, CapitalOne allowed 10 charges to XXXX for {$54.00} each plus {$37.00} to XXXX XXXX which were also fraudulent. 

I am the only authorized user on my card. I believe CapitalOne Visa employees used my account for their own personal use. They refused repeatedly to credit my account. I have since closed the card.
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and notice hard inquires that I do not recognize. Please have these inquires removed,. XXXX  reporting, comenity bank/victoria secret XX/XX/year>. Equifax reporting, XXXX XXXX bank XX/XX/year>, XXXX XXXX services XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened numerous complaints towards TransUnion. They haven't reported my bankruptcy to any other credit reporting companies in fact they haven't reported anything since XXXX of 2019, which ironically is when I filed my bankruptcy and it was discharged in XXXX of 2019. TransUnion refuses to give that information, they continue to get the information to show me on my own copy of my credit report. That it exists and the dates, etc. But they refuse to give that info to anyone else. I have been on XXXX XXXX, XXXX, etc. and there is nothing new reported to them. The last thing they have is from XXXX of 2019, how can they get away with NOT REPORTING the correct information to other credit reporting companies. If the right info was being reported my XXXX XXXX would be way higher than it is. I have been dealing with this problem since XXXX of 2019, I want them reporting the right info immediately. Almost 2.5 yrs is enough, NO MORE EXCUSES!!!! I had a screaming match with 3 separate employees at TransUnion where they told me it wasn't their job to report to credit agencies ... WHAT?!?! After 30 minutes of talking in circles I hung up!
Product: Debt collection

RE : CFPB Orders Toyota Motor Credit to Pay {$60.00} XXXX for Illegal Lending and Credit Reporting Misconduct.

I am reaching out to CFPB regarding the Illegal Lending and Credit Reporting Misconduct violations committed by Toyota Motor Credit Corporation. I am a victim of the said violations and seek relief by having the inaccurate and derogatory information being furnished to the credit reporting agencies, XXXX, XXXX and XXXX by Toyota Motor Credit which has tarnished my reputation and caused multiple denials from other companies.

Toyota Motor Credit has violated my trust by deceiving me when I entered into a financial agreement with good faith. I found a few violations of my rights as a consumer when I realized multiple frauds on my contract with Toyota Motor Credit that is in breach with legal and ethical standards. Toyota Motor Credit continued to ignore my correspondences for an opportunity to cure.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of an unauthorized credit inquiry from my credit file. As a victim of a data breach, I did not authorize the following inquiry : XXXX  ( Date : XX/XX/year> )
Product: Credit reporting or other personal consumer reports

XXXX XXXX inquiries- XXXX. ) XXXX XXXX XX/XX/XXXX, XXXX. ) XXXX XXXX loan XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX, XX/XX/XXXX, XXXX. ) XXXX XXXX XXXXXX/XX/XXXX, XXXX. ) XXXX XXXX XXXX XX/XX/XXXX. 

Experian- XXXX inquiries XXXX. ) XXXX XXXX XX/XX/XXXX, XXXX ) XXXX XXXX loan XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX, XX/XX/XXXX, XXXX. ) XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX. ) XXXX XXXX XXXX XX/XX/XXXX. 

XXXX XXXX inquiries- XXXX. ) XXXX XXXX XX/XX/XXXX, XXXX. ) XXXX XXXX loan XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX, XX/XX/XXXX, XXXX. ) XXXX Bank, XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX XX/XX/XXXX. 

I do not recognize these inquiries that were found on my credit profile. I did not authorize anyone to run my credit. I am including incidents of security breaches from XXXX companies that housed my information.
Product: Checking or savings account

A company called XXXXXXXX XXXX charge XXXX account multiple times, including XXXX on XX/XX/year> through ACH. SoFi bank refused to credit me back. They " investigated '' the matter in only 24 hours and somehow came to the conclusions that it was valid. They never even reached out to the merchant to verify the charge.
Product: Mortgage

Amerisave mortgage company has violated federal regulation c, falsified documentation to illegally portray it was granting a mortgage to a court ordered party but instead willingly and knowingly went against court orders. 

2020 title company violated federal regulation C, falsified documentation to illegally portray it was granting a mortgage to a court ordered party but instead willingly and knowingly went against court orders.
Product: Credit reporting or other personal consumer reports

I noticed fraudulent accounts on my credit reports so I contacted the credit bureaus about it and requested an investigation. That was 60 days ago. They failed to investigate the matter and failed to remove the fraudulent accounts and provide the results of their investigation.
Product: Debt collection

XX/XX/19 I received a letter in the mail from Affiliate Asset Solutions LLC stating that this was an attempt to collect a debt. The amount due was {$1000.00} and that the original creditor was XXXX XXXX XXXX. The first sentence in the letter says Pendrick Capital Partners II LLC has purchased the account referenced in this letter. Yet the letter is from Affiliate Asset Solutions. 
XX/XX/19 I recieved a letter in the mail that stated it was a debt and that I owed {$460.00} and that the original creditor was Pendrick Capital Partners LLC. Why is this company using 3 different names referencing them all back to each other. 
I mailed a letter back to Affiliate Asset Solutions which I am attaching requesting them to verify the debt. The back of the letter they sent me specifically states what I was allowed to request within 30 days. And I requested exactly that so I could verify this was even a valid debt that I owed it. I received a letter back which looks to be a scanned copy of a bill. Which seems to be fake. 
# 1 I should have also received this bill. It is clearly addressed to me and my address. No such bill ever came to me. 
# 2 This is supposed to be a itemized bill as their letter says that is included with the bill, the bill is for {$1000.00} and only 1 thing is listed for the charge. If this was a real bill there would be more than 1 line item billed for. 
This is not a real bill nor enough for me to verify I am connected to this debt alleged. 
# 3 the address on the bill is from a place in XXXX XXXX Nevada ( I live in MIssouri ) but it has printed in caps letters THIS IS FOR SERVICE AT XXXX. I do not feel any of this is acceptable.