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

writing to formally report fraudulent credit inquiries that have appeared on my Equifax credit report. These inquiries were made without my authorization and are the result of identity theft. I am requesting the CFPB assistance in having these inquiries removed immediately and in addressing this case of fraud. 

Fraudulent Inquiries : The following unauthorized inquiries were listed on my Equifax credit report, all dated XX/XX/2024 : 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 via XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries, and they were not initiated by me. They are negatively affecting my credit score and overall financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment through the XXXX XXXX housing Authority and was denied due to an eviction. However I had this particular judgment removed off of my credit reports almost 4 years ago due to inaccuracies in the amounts and also spelling of the names. I contacted the XXXX superior courthouse to get all of the information to take care of this judgment so I can provide a roof over my childrens heads and they gave me the information for the account holder which is the eviction center who represented the previous landlord and this landlord is no longer a client with them and they have no way to contact him since he owes the company money. I have the emails from the eviction center stating they have no contact with him and have not been able to forward my information to him. Please help me figure this out Im going to end up homeless with my XXXX kids and Im a single parent. Thank you and XXXX bless.
Product: Mortgage

I had a shortage in my escrow account so an analysis was done in XXXX and my payment was going to increase effective XXXX 2016. I did end up paying a portion of the shortage in XXXX 2016. On XXXX/XXXX/16, I requested that another escrow analysis be run since making that escrow deposit. The analysis was run and my payment was going to be lower than projected but around XXXX higher than my current payments. I am fine with the increased payment, however, Nationstar said that the increased payment was due immediately. They gave me no notice.
Product: Debt collection

On  X/XX/16   , I made a purchase and used sister as my reference. Later, I learned she was a co-signer on acct. My sister was not present during transaction. On  XX/XX/XXXX , I went to the store and had the application redone to remove sister off account so that items would not go on her credit. I paid {$140.00} towards a different finance company as a down payment to start a new contract. A few weeks later I noticed the item on my credit report and my sister informed me that it was on her credit report also. I called Synchrony Bank and spoke to  XXXX  twice. I faxed documents showing original paperwork on  XX/XX/XXXX  and then new paperwork on  XX/XX/XXXX  showing credit back to Synchrony Bank. Synchrony Bank removed item few weeks later and now it is back on my credit report and it was never removed from my sisters credit report. I have sent paperwork showing the new finance company as well. Synchrony Bank still will not remove items from their account and my sister and my credit report. The new finance company is a rent to own company. Synchrony Bank has been reporting to my credit reports and my sister 's credit report negative information which they should not be doing since the account is no longer with them. In the attached documents, you can clearly see dates, the credit amount that Synchrony Bank is suppose to credit on the account and the new finance company with its amount and dates of transaction. Synchrony Bank is illegally trying to get me to pay for items that are not on their account and in the meantime are reporting negative information to all   XXXX   credit bureaus which has caused great harm to m y credit score and my sister 's credit score. There is suff icient and clearly recognizable documentation showing purchase, credit to be returned back on Synchrony Bank account, and new finance company with same items and amount to be started with new company. As i stated above, the new finance company is a rent to own company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Self Financial Inc/ Lead bank, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I need clarification as to why you are reporting certain information on my credit report. Please review the following Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Im aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit. 
After you have finished my request, send me a copy of my credit report reflecting these changes. 

Also Ive tried myself to contact this collection agency multiple times for verification, with no response at all. Which leaves me to believe there is no investigation happening to verify this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE A FEW ACCOUNTS ON MY REPORT XXXX  XXXX AND XXXX XXXX THESE ACCOUNTS DONT BELONG TO ME. I HAVE MADE SEVERAL ATTEMPTS TO THE CREDIT BUREAUS THAT ARE REPORTING TO VERIFY INFORMATION THAT IS CLEARLY INACCURATE. THESE ACCOUNTS ARE REPORTING INCORRECTLY WITHIN ALL XXXX XXXX IF INACCURATE INFORMATION IS BEING REPORTING IT IS GROUNDS FOR REMOVAL. I HAVE SUPPLIED POLICE REPORTS AFFIDAVITS AND TRYING TO HAVE THESE ACCOUNTS REMOVED THEY ARE GOING AGAINST OUR CONSUMER RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act the list of accounts below have violated my federally protected consumer rights To privacy and confidentiality Under 15 USC 1681 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

None of these companies had XXXXXXXX XXXX written consent to report 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Information excluded from consumer reports Except as authorized under subsection ( b ), 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. 

Accounts that need to be removed below XXXX Transunion 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint about incorrect reporting. 

I was advised via the CFPB process that the company would be informing about the steps that were taken to investigate reported information. 

To date, I have yet to hear anything of substance from XXXX XXXX, Equifax, or XXXX about the steps that were taken. 

I maintain that what they have reported on me is incorrect, and not single phone call, letter, or any means of communication has been made to contact me about clearing this issue.
Product: Vehicle loan or lease

We purchase the XX/XX/XXXX XXXX XXXX last year in XX/XX/XXXX. The vehicle did not have the warranty so we brought a extended warranty. There have been several recalls on this vehicle. I ask them can we trade the vehicle and get something else which can even out the difference. They told me that I could purchase another vehicle and they said I would get another car so they appraise it and they assure me that I would not have put anything down. Then the next day they told me that I had to come up with some money, but you told me that I did not since you had all of these rebates. I feel this is bad business practice and that they knew this XXXX XXXX had no warranty but yet it was out on the parking lot for sale. We only had this vehicle for a year and put XXXX down as they down payment and it still has had 2 recalls within the past year. Also I want to add this we purchase the vehicle at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX ten XXXX phone number is XXXX. The website is XXXX. This company is not providing the needs of the customer if the product is defective. I will have to wait several days in order for them to find out what is wrong with my vehicle but what is the vehicle breaks down ... I have to call them to find out if they have availability, yet the vehicle runs like a piece of XXXX.
Product: Debt collection

On XXXX/XXXX/15 I requested validation ; received no response. On XXXX/XXXX/15 I requested validation again ; this time received response. However, IQ Data provided a print screen from their data base ; not an accounting of my payment history. For example, I have no clue what " termination fees '' or " expense bad debt '' charges entail ; " non-refundable cleaning fees '' -what did they have to clean? ; " Fees Late Payment '' - from what month? There is no way to determine where my security deposit was applied. Furthermore they are showing my XXXX XXXX daughters as roommates.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a credit card through you guys and got approved for a limit of {$5000.00} and I couldnt have used any more than XXXX and Ive been getting emails on emails on saying my payments are late and when I checked I seen it was overdrawn past the XXXX and I had lost my card a while back due to the fact that I lost my wallet and didnt think about my credit card until I started to add up the pieces and then checked the statements and saw soooooo many different transactions that were not done on my behalf and they were all made within the same area that Im located in and Im stressing out due to the fact that I still should have had like XXXX available credit and I have a whopping XXXX $ overdrawn on the account and I wan na see how you guys may be able to assist me on getting my funds back or maybe adding a higher limit? but I do wan na get this taken care of as soon as possible cuz I reallyyyyyyy could use those funds to make my car payment which Im currently late on my payment
Product: Credit card

Good morning. 
I contacted Wells Fargo to get my interest rate lowered on my credit card. I 'm in the process of buying a home and I want to pay the debt down on my Wells Fargo credit card to raise my FICO score and lower my debt to income. I spoke with two reps and both said they were unable to lower the interest rate. I asked why and neither rep offered an explanation. Is there anything the CFPB can do?
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

After opening a secured card with Discover, XXXX XXXX revealed on XX/XX/2025, my credit score dropped by a surprising XXXX points. I contacted Discovers investigation office, and they assured me they would look into the situation and correct it if necessary. Since then, Ive been in touch with a representative, XXXX, who recently sent me a letter advising that I contact XXXX directly, as there was nothing further she could do. Unfortunately, when I reached out to XXXX, I was informed that the issue appears to be on Discovers end. 

Although my score has since recovered by XXXX  points on XX/XX/2025, it still remains extremely low. Both XXXX and Discover have been unable and unwilling to explicitly state what factors impacted my score and have been sending me back and forth to each other with no resolution or transparency. I went from a score of XXXX to XXXX, and its now at XXXX  This has significantly impacted my ability to search for an apartment and has caused me considerable stress. If I can not secure an apartment, I am in danger of facing homelessness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to reach out to Capital One to settle this concern I had and they really couldn't help I asked Capital One to prove me with an SSA-3288 to show that i gave them actual consent to report or put anything on my consumer report even if they're process is online or not, they should still be able to provide me with a consent form, according to 15 US Code 1681a ( 2 ) ( Exclusions ) Things that aren't supposed to be included on a consumer report. Information solely as to transaction or experiences between the consumer and the person making report. Consumer- is an individual ( ME ). Person-Any individual partnership, Corporation, Trust, estate, cooperative association government or governmental subdivision or agency, or other entity. Experiences & Transactions- Applying for a loan, credit cards, late payments, high utilization, charge off ( s ), collection accounts, Judgements, Repos, Bankruptcy. Just to name the different things i found that XXXX XXXX clearly didn't care to read when they continuously violate my rights. 15 US Code 1692 of the FDCPA is another violation that Capital One decided to violate because I asked them for Validation and its unlawful to submit information that was submitted by the furnisher to validate that debt but instead of conducting interviews with loved ones, neighbors, friends, like the cops would or the FBI would, They just went ahead and Just sent me a computerized Validation and didn't even take the proper steps to inform me when they was going to start the investigation. According to 15 US Code 1681 ( n ) Civil Liability of willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Product: Debt collection

Co sign for auto Loan was not aware loan not already approve XXXX XXXX allow over 10 company to run my credit which result in Hard inquiry on my credit Bureau I did not authorize XXXX  XXXX to allow inquiry
Product: Credit card or prepaid card

On XX/XX/XXXX a payment was made XXXX {$150.00} cleared my account however not credited towards debt. 
XX/XX/XXXX I was made aware of the past due account and that XX/XX/XXXX payment had not been received. Spoke to collection group who was dismissive and stated it was my responsibility to reach out to customer service to resolve missing payment. Contacted customer service same day and after XXXX minutes of waiting on hold I hung up. Then submitted online billing dispute form reference # XXXX - to date XXXX resolution. Same day XX/XX/XXXX called customer service number provided remained on hold for just at XXXX minutes before being disconnected. 
From XXXX through XX/XX/XXXX there were a total of 6 calls to customer service and not once was I am able to speak to a customer service representative. 
On XX/XX/XXXX I logged on and submitted by first of five online messages through the TD Bank portal describing my issue and providing proof. Each submission was " resolved '' according to TD Bank within XXXX hours. I have since been blocked from access to my account online. And the only way to reset access is through the XXXX customer service line that no one answers. 
I finally submitted a written notice to them of the error on my account within my 60 day window on XX/XX/XXXX. I provided proof and a description of the issue. On XX/XX/XXXX they responded that they were still investigating. On XX/XX/XXXX almost 120 days after my letter and over 180 days from when my payment was made, I was notified they were unable to locate the payment. They continued to point out almost sarcastically, " Futhermore, due to short payment, a late fee totaling XXXX was assessed ... ''. They further stated it was my issue and if I still felt an error, I needed to provide further proof. At this point I am submitting a tracing of the funds although I doubt this will resolve the issue.
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. 
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 has violated my rights. 

I viewed my Experian credit report on XX/XX/2024 and noticed there were things that are not accurate and incomplete. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.
Product: Debt collection

XXXX XXXX XXXX is reporting incorrectly to XXXX and XXXX  an unpaid/placed for collections for {$220.00} partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I moved from XXXX, Texas and cancelled this internet and phone service and sent the equipment back to XXXX XXXX XXXX via priority mail. ( Please see the related documentation attached. ) This documentation is proof that XXXX XXXX XXXX  did in fact receive these items. XXXX XXXX XXXX is now saying that I never returned these items and consequently they have sent this account to a third party collection agency. This incorrect reporting is harming my credit score.
Product: Debt collection

I have asked Hunter Warfield to validate this debt multiple times. They have ignored multiple request from me. My last letter was sent to them on XX/XX/XXXX. It is still showing as a collection on my credit report. Please assist me with having this in-validated account remove from my credit report so I can continue to proceed with my life. 

Account Name HUNTER WARFIELD Account # XXXX Account Type Other Collection Agencies Balance {$1000.00} Past Due {$1000.00} Date Opened XX/XX/2016 Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month Comments XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT! 
PLEASE REMOVE ALL NEGATIVE REPORTS IMMEDIATELY!
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Enhanced recovery company address is XXXX XXXX XXXX XXXX Florida XXXX I see on my credit report have a past due balance of {$780.00} I do not know this company I've never done any business with this company this company does not have any contract with my signature
Product: Credit card

Citi Bank has an automated call system that will harass you unmercifully seven days a week, and as many as six times a day. When I first contacted them to work out some kind of payment arrangement, all I got was a lot of wannabee intimidaters. That did n't fly very well with me. I would like someone to look into this and tell them to stop.
Product: Debt collection

It was with portfoliorecovery they called me at work on my job I was threatened, yelled at. The calls never stopped. I asked them to stop calling me and they ignored me.