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

I am submitting this formal complaint against TransUnion and Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included accounts from XXXX XXXX XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 



Accounts in Question : XXXX. Account XXXX : XXXX XXXX. Account Number : XXXX XXXX. Account Number : XXXX XXXX. Account Number : XXXX Violations XXXX. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law.

2. FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ( a ) ( XXXX ) ) Permissible Purposes of Consumer Reports A consumer reporting agency can not furnish my report to a third party without my written consent, which I never provided to XXXX XXXX XXXX XXXX. 

3. 15 U.S.C. 1666B Creditor May Not Treat a Payment on an Open-End Consumer Credit Plan as Late for Any Reason The reporting of these accounts as late is in direct violation of this statute, which prohibits creditors from treating a payment as late under an open-end consumer credit plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have prepaid my loan account completely but the credit report is still showing that I have pending loan amount for that account which is inaccurate and affected my ability to access a new loan from the market. The amount shown as debt is also inaccurate and the number of accounts open are also inaccurate. I was denied a personal loan despite having a credit score of 710+ and 0 late payment. My income is also way more than the debt on record. Kindly help. 


American Express : Original Loan : {$4000.00} prepaid in full ( See the attachment ) Total number of Account open : 5 Shown on credit report : 16 Total debt shown by XXXX : {$7700.00} this includes prepaid amex personal loan of {$1000.00} Actual credit card balances : {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Advised by XXXX  Credit - my score went " down '' due to " HARD INQUIRIES ''  made by my bank on XX/XX/2019 & XX/XX/2019. ( US BANK CONSOLIDATED - XXXX XXXX, MO XXXX ). 

I was not made aware US Banks inquiry was a HARD INQUIRY, and affect my credit score negatively. I went to my local bank ( Account No.XXXX ) and asked them to remove the hard inquiries, to no avail. I was told that is the their system worked. I was annoyed and told them their customers need to be aware if their inquiry would affect their credit score. I advised how the heck can someone consolidate bills and the decision for a consolidation of bills is based on your credit report, wherein US Banks inquiry negatively affected my score? Absurd.

I am respectfully requesting both these inquiries be removed immediately. As a retired, XXXX, XXXX XXXX Veteran,XXXX yrs old, I have never encountered this trickery against a consumer. 

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

I'm filing this complaint because this collection company and XXXX are being really unreasonable. I'm a veteran who is XXXX and have medical issues. I went through major health issues and I had a slip up with this account. I've paid it and made good on the debt as soon as I was able too. I was in a serious medical emergency and that was the only reason why this went into collections. I am a veteran and I fought for this country. I am trying to refinance my mortgage to a much better rate which would put me into a much better situation. I'm XXXX and on a fixed income. Every penny counts. I can't come to terms with the fact that someone in my position is being treated this way. I hope someone can find it in them to put in a request to remove this from my credit report.
Product: Student loan

I have been dealing with Navient trying to repay my loan for over 2 years now. They have been nothing but rude and unhelpful every single time I have to call them about my loans and I end up in tears by the end of the conversation. I am a single mother of XXXX children and am only able to work part time. I have a co-signer on XXXX of the loans but she is a small business owner, still raising children and can not help me at all with my payments, but Navient seems to think that money just grows on trees. I have to make two separate payments every month, one for {$93.00} and the other for {$160.00}, I bring home {$120.00} a week..that 's {$480.00} per month and I have to pay rent and put gas in my car to get to work. But it gets better, Navient seems to think that the money I receive from Child Support for my children should be used to pay for my student loan every month. This is what has sent me over the edge with this company. They are taking 85 % of my earned income every single month and they think the money I receive to feed and cloth my children should be used for myself instead of them? I have a few choice words for Navient because I am not one of those mothers who thinks its appropriate to use child support money for anything other than my children. I will be writing a letter to President Trump regarding the unethical use of children 's money to pay student loan debt by these rude sharks. Child Support is not my income, my part time job is my income and I am deeply offended by the fact that this company thinks they have a right to money that is for my children. We can circle back to the XXXX these rude customer service people who talk to me like a piece of dirt cause me every time I call asking for their help. I am not trying to default on my loans, I have already filed bankruptcy and my credit is nothing but I am trying, in good faith, to pay back my debt and they are literally robbing me. I just want someone to listen, someone who cares that they taking child support money away from children with separated parents. My children already have it bad enough only having one parent and Navient wants to take it a step further and rob them of money they are entitled to for their own selfish gain. I only made {$15000.00} last year and will only make {$5000.00} this year, Navient will take over {$3000.00} from me, more than half of my earned income. This is not right, this is going to negatively impact my innocent children and this is so, so wrong. Please hear my concerns..Please assure me that something is going to be done about this unethical use of child support monies by this company. I just want to be heard and I want my daughters ' child support money to be used for what is intended to be used for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting a XXXX XXXX XXXX XXXX XXXX {$14000.00}, XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX XXXX {$2500.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX {$770.00} has violated my rights to privacy. 
15 U.S.C 1681 SECTION 602 A .Its states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section A states I have a right to privacy.
Product: Checking or savings account

I purchased a bed from XXXX - XXXX XXXX  on XX/XX/XXXX. XX/XX/XXXX there was a recall sent out that the beds are deemed unsafe for children and to dispose of the bed. I reached out to XXXX XXXX and the XXXX seller multiple times for a refund with no response. I then reached out to Wells fargo on XX/XX/XXXX requesting a dispute of charges and a refund. on XX/XX/XXXX I received a letter from wells fargo denying my claim, claim number XXXX with the response that the timeframe for requesting a refund had expired. This should be possible, as I had a friend in the exact same situation that retrieved their money back from XXXX XXXX. I would like my money back.
Product: Vehicle loan or lease

this is a formal complaint tht XXXX  is violating several of my rights. They are still being non compliance and they are in violation of the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However XXXX is reporting late payments to which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which XXXX has failed to do.The following accounts are reporting illegal. XXXX  credit services account # XXXX latepayment. Dept of education account # XXXX payment. Dept of education account # XXXX payment. Dept of education account # XXXX Payment. Dept of education account # XXXX payment. Dept of education account # XXXX payment. Dept of education account # XXXX payment.
Product: Debt collection

I short sold my home in XXXX and a company masquarading as Chase telling me that I owed them for an equity loan that I thought had been paid off in the short sale. I paid them - to date $ XXXX.+. 
The payments were always made from my bank account - I was asked to give them routing number, account number and they recorded me saying that they could take the payments for 6 months - then they would call me again to ask for the same set up. 
I had someone working on my credit rating and they realized that this debt was not showing up in my credit report. Because of that I went to Chase to alert them that this may be a fake Chase company and they were very un-interested. 
They did say that I had no such debt on file but that I was to take a pamphlet and report it to all these other agencies - that were covering Identity Theft - which this is not. 
They are still hounding me every day and now they have sent a letter - XXXX of XXXX I have recieved over the years since XXXX. 
The letter they sent looks exactly the same as Chase but it has different phone numbers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions. 15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Im reporting this case because, I just found out someone is using my personal information to apply for loans or credit cards which are not authorized by me and so causing hard enquiries on my credit report. In the exception of hard enquiries made by XXXX XXXX XXXX  which is authorized by me, any other enquiries isnt authorized by me. I contacted one of the credit bureaus and was directed to launch my complain here. Please I hope this can be solved where all this hard enquiries affecting my credit score be disputed. And looking forward to adding more security to my credit and personal information to avoid theft. 

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

XXXX was fraudulently opened under my name using my personal records and information to obtain a credit card. THIS IS UNAUTHORIZED. There was a fraudulent charge or {$21000.00} and the account was opened on XX/XX/202. 

I have made several tried to find a solution with the bureau and the creditor. However, I have come to a dead end. Hence why I'm reaching out to the CFPB for help. I have also filed a claim with the FTC.
Product: Credit card

Wells Fargo mishandled my credit card dispute and responded with a completely unrelated case. On XX/XX/2025, Wells Fargo denied my original dispute involving missing merchandise I paid for through XXXX. Instead of properly investigating, they closed my claim. 

Then, on XX/XX/2025, Wells Fargo submitted a letter to the XXXX XXXX XXXX and to me that referenced a different customer 's account ending in XXXX and a {$6.00} transaction from a merchant called XXXX, which has nothing to do with my dispute. They even addressed the letter to another individual named XXXX XXXX. 

This raises serious concerns about privacy violations, failure to investigate my original complaint, and mishandling of sensitive information. I have no connection to the other account, the other customer, or the merchant they referenced. 

I am requesting a full investigation, protection of my information, and a proper review of my original dispute related to XXXX transactions totaling over {$2000.00}.
Product: Credit reporting or other personal consumer reports

I have been attempted to apply for a home loan and the false information on my credit report has made that almost impossible. There are Incorrect Addresses, false Inquiries, Late Payments on non existent accounts, late payments on open accounts, and wrong employment listed on my report which need to be removed immediately as they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681g and 1692g ( 5 ), my rights are being violated due to the inclusion of inaccurate and unverified items.
Product: Debt collection

My money was removed from my bank account from debt collector saying I owed for a credit card that I never applied for, they freezed my bank account, and took my money out my account that I received from workers compensation, I told them I have not applied for any credit cards don't know if some one else used my info but it wasn't me, check my account again today and money from my paycheck has been removed! Got a letter from my bank saying my account was levy they freezed XXXX then today it's another {$300.00} taken out my account!! I don't owe money too any credit card company how do I get my money back and how do I sue these people! I have bills, rent, car notes too pay and there taking my money! This was on XX/XX/2019 the amount of money was {$2100.00}, the company Midland Funding LLC
Product: Credit reporting or other personal consumer reports

Apparently and unfortunately I have an adult son with the same first and last name. He has confirmed that he in fact obtained services from a XXXX company in XXXX. I knew absolutely nothing about his personal or professional business with this company as I live in the State of Connecticut. I had an impeccable credit score until one day my wife and I received a collection notification in XXXX stating that I owed over {$3000.00} to XXXX XXXX XXXX for a debt owed to The XXXX XXXX XXXX. I never received a single bill or credit application alert. I tried to explain to all three entities ( Credit Bureaus plus the collector and the agency directly ) that that was impossible since I did not have any XXXX taken at any point with this company. The agency did confirm that the person they conducted business with was was younger than I. No assistance was provided and they still haven't guided me on what steps need to be taken to have them report the remove this charge that doesn't belong to me. XXXX did an " investigation '' which did not resolve the matter and refuse to provide any additional assistance. 

I had my credit profile locked during this time, so I'm not sure how this even happened. I am also completely baffled with trying to figure out how the debt was even originated. ( i.e credit, general bill, use of SSN etc. ) None of which was explained to me. I would like to report fraud on my report and I will take whatever legal actions necessary if this matter is not corrected.
Product: Debt collection

Hi, I sold a car in XXXX & no longer had possession of the car in the year of XXXX ( worth of car is ~ {$500.00} ). In the year of XXXX I am receiving calls & mail from FINEX GROUP LLC collection agent XXXX XXXX for a debt of over {$4000.00} on the car for being towed & put into storage in the year of XXXX ( 2 years after I sold the car to the new owner. ) The new owner had possession of the car since the sale date in the year of XXXX. 

When I found out that the new owner did not complete paperwork, I went to the DMV to get things sorted out, and the DMV informed me that liability for that car starts for the new owner on the day that it was sold in the year of XXXX. I contacted the police department on the phone & was informed that I did not have to worry about it since the car was already sold in XXXX & I no longer had the car in XXXX. I contacted the tow place & explained to them that I no longer had ownership nor possession of the car when it was towed in XXXX, which is 2 years after physical possession of the car was given to the new owner & was sold in XXXX to the new owner. I contacted the XXXX XXXX XXXX XXXXXXXX XXXX & was informed me both on the phone and as well as in person that I am not responsible for the car since it was sold & I no longer had possession of the car since XXXX. The DMV instructed me to get help from the federal trade commission ( FTC ) & that they would help me. The FTC told me to contact them back when I receive mail back from the collection agency in order to file a complaint at consumerfinance.gov XX/XX/XXXX : -During a phone call XXXX XXXX from Finex Group LLC : She said that I have no other option but to pay the amount of over {$4000.00} for tow debt on a car that I sold two years ago in XXXX. I asked if we could go to court or judge to get help to figure this out, she said no, and that the only option is to pay the {$4000.00}. She told me that the tow place no longer is associated with the debt. I asked who is in the charge of the debt, she would not answer me and would not let me know who was in charge of the debt, just that I need to pay it because it will not go away. She said that I need to pay the debt or it will negatively affect my credit, that there is growing interest of 10 % per year that is accumulating, and the debt will never go away unless I pay. I asked her if I can go to the DMV to sort this out, she said that going to the DMV would not help & paying the amount is the only way.
Product: Credit card or prepaid card

I couldnt make payments because of the Covid financial impact. Now the fees are way to much and high
Product: Money transfer, virtual currency, or money service

I bought litecoin in my Venmo app with money in my account and money from my debit card. {$240.00}. I tried to transfer the litecoin to my external wallet and it wouldn't let me transfer the litecoin. So in turn I sold the litecoin and the funds are now not available to me and they say it they won't be available until the XXXX XXXX XXXX ( 7days ). I needed this money to pay bills and get a plane ticket to attend a funeral. I contacted support and they just give you the run around saying your transaction hasn't mined yet so we can't release the funds. It is under review. I've bought and sold plenty of crypto to know funds are available immediately once sold. Venmo is depriving me of my money and has no right to do so. This has happened several times before. I currently have {$350.00} owed to me. Support says that it is done by a computer system and no human has the ability to release the funds so I just have to wait the 7 days. I'm furious and this seems very unethical and illegal. I need my funds released today not in a week.
Product: Debt collection

I was sold a Car by caravan my loan was through XXXX  and it went out in the first 7 days but I went over XXXX miles traviling home with car XXXX was cost to repair. I was told there was a warrant it wasnt they wouldnt let me pay on the loan.the car was repoed and sold for XXXX I was charged XXXX for car and now I owe XXXX for a car I had 3 days.
Product: Debt collection

My family of 4 got XXXX Testing done by XXXX XXXX XXXX on XX/XX/XXXX. When I registered each of my family members, I put the insurance member for each person on the registration information. This was verified at the appointment. Unfortunately, the facility NEVER ran my insurance information. I called and asked about it after receiving an invoice and was told that they haven't had to chance to file a claim with the insurance company and will soon. After the 2nd invoice, I called them and my insurance provider who verified that no claims for XXXX testing has been on my insurance. After it was sent to collections, the collection company told me to call my insurance and put a claim for the testing. I did call my insurance company and was told that the provider needed to put a claim and not myself. I told the Collection Company ( XXXX XXXX XXXX ) that they needed to reach out to my insurance company and they also did not. Now I have FIVE ( 5 ) not four charges for {$170.00} on my credit report. I called and left messages with XXXX XXXX XXXX multiple times for the billing department and no one called me back. Yesterday ( XX/XX/XXXX ) I was informed that my insurance claim was denied for lack of service. I provided proof ( Attached ) that a month prior to the service and eight ( 8 ) months after the service EVERYONE else was putting claims and getting paid on my insurance proving that they NEVER filed a claim against my insurance as they stated. I informed the Collections Company AND XXXX XXXX XXXX that due to the Federal provisions, as long as you had insurance during the pandemic they would pay for the XXXX test ( attached with newspaper article confirming that testing is 100 % free with insurance ). I would like ALL FIVE ( 5 ) collection items to be removed from my credit report without ANY prejudice and damages to my report or myself immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I tried emailing the company wise.com. I tried to send money to XXXX. I did not finish the process because the company I owned by foreigners and they not only took my credit card and XXXX ID but then these XXXX scammers wanted my XXXX image. Im not giving that information out to these people in XXXX and around the world To do more XXXX XXXX XXXX to all of us so I stopped the transaction and now I can't get online to delete the account. So some XXXX XXXX XXXX XXXX XXXXXXXX now have my information and it will not let me login to delete the account and they will not send me a new password because mine changed somehow. How do I get this company to shut down my account. These are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. And their is no email address to contact if you can't login. And I can't call out of this country. How do these people expect anyone to contact them? How am I supposed to contact these people? I want the ID they have destroyed. It's soon bad when these XXXX XXXX  get into our banking. XXXX XXXX XXXX XXXX XXXX XXXX  when they got into our treasuries. How do I get my information back from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX?