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

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My ex husband used my name and opened several accounts without my consent. This is a case of identity theft. I have done what was asked of mr to get rid of the fraud accounts but they are still on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to pay off bills and collections since XX/XX/2016 in hopes of purchasing a home for my child and myself to call home. I have not been able to get a student loan off my credit report with a balance of over XXXX. The student loan was transferred over to a different company. this company transferred over back on XXXX, payments are being made every month out of my account and on my credit report it is showing that I have a student loan outstanding amount of XXXX which keeps my credit score down. I have disputed and can't seem to get this off my credit score. 

why is it that when something negative is reported on my credit report, my score drops 30 to 40 points and when something positive is noted the score only goes up like 6 to 11 points? I am beginning to think I am being discriminated against with the report of the credit reporting system. Some of my co-workers have credit scores of XXXX or more, some of which have gone through chapter XXXX 's and car loans, etc. but have a score of XXXX and buying a home.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX/XXXX  or Clear One Advantage ) On XX/XX/XXXX I received a phone call and email from XXXX  XXXX. I called back and was advised he was gone for the day and he would attempt to contact me back. Never received response via email or phone. I called back on XX/XX/XXXX and was on the callback list. The lady I spoke with May have stated her name, but I do not recall. Nevertheless, she stated she was my account manager and proceeded without verifying to WHO she was speaking with. Immediately after the call I emailed XXXX. Received no response. After that I emailed the company customer service twice and still received nothing. I advised I would contact the XXXX  and the CFPB for the lack of professionalism and lack of verification.XXXXI was also previously advised to put a stop payment in the month of XXXX through my bank I have ACH setup with and they NEVER said they would give me an NSF fee. I advised the agent I will not be paying it and they attempted to get it waived but their Supervisor denied me. 

I also attempted to remove my account from ACH and they said they are unable to. I feel that that is misleading and a violation of UDAAP. 

I definitely believe their lack of customer service and being courteous to their customer is horrendous and they definitely should be audited.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX XXXX XXXX, and bankruptcy Acct # XXXX have violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX XXXX. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through XXXX  XXXX but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from XXXX XXXX. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through XXXX  XXXX. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.
Product: Vehicle loan or lease

I originated this loan in XXXX. It was for the purchase of a XXXX Carry over truck but it was new.We got the loan at 0 % interest rate. Things were going well as far as payments and amounts being correct until they did a update to their computer system in XX/XX/XXXX. Ever since then there has been a discrepancy of about {$400.00}. I have called and emailed numerous times. I can go back just like they can in payment history, yes I have moved my payment due date but I had always paid in the end what it said the payment was. I did split my payments in 1/2. I did a complete printout of my loan payments since the origination of the loan. If what they are telling me is correct that this is all late fees that had occurred since the opening of the loan and were not paid 1. Why were no phone calls made to me? 2. Why was it not stated on the online account page until XX/XX/XXXX? If there are late fees still owed fine I will pay them but I DO NOT agree with the {$400.00} they are saying it is. I can calculate and in the worst case it is like {$50.00} I owe!! Every time I call the representative says yes I see it and I will get it taken care of.Then there is also times the computer system is down. That has happened alot! They always assure me the problem will get fixed Well guess what it isn't!! GM Financial prides itself on its customer service. That's a load of XXXX!! Even if they offer the 0 % financing really think long and hard about taking it!! This company will put you through XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries from capital one auto finance that I did not authorize. I have contacted capital one through phone calls letters and faxes yet they have not responded or removed the inquiries.
Product: Money transfer, virtual currency, or money service

On XX/XX/2025 I tried to pay my rent {$1600.00} online through our rental payment portal using money I had in my XXXX  account with my XXXX  debit card. For whatever reason they declined it so I tried to pay it again on XX/XX/2025 with my money in my XXXX  account but this time I tried using my XXXX account and routing number which was declined as well. Then on XX/XX/2025 I received an email from XXXX  stating they froze my account due to unusual account activity and were requesting my ID. I immediately sent back my identification as requested and finally on XX/XX/2025 I received an email from XXXX  stating they were closing my account due to a violation of there user agreement and that IF they were going to give me my money back which at this point was a balance of {$1400.00} they would let me know which could take up to 180 days. It has been over 30 days and they still have not given me my money back nor have they told me how I violated the user agreement.
Product: Credit card

Equifax sent me a settlement digital prepaid card for XXXX that required activation on their XXXX website. The card was activated and added to mobile wallet. Then it was declined everywhere. It can only be used on the website for their determined purchases, none of which are necessary for me.
Product: Mortgage

I obtained a line of credit from Union Bank to help me fix my house. I am divorced, I been thru a financial roller coaster hence my credit is not good, they will not help me refinance, every time I call them, they tell me I must have perfect credit to refinance into a conventional loan, meanwhile, they are charging me 7 % interest, for a line of credit, all the payments I pay monthly get applied to interest only. Even though I pay on time, they always claim I am short, they are calling me all the time disturbing me etc. but never willing to help me get into a better loan product, they give me a lot of headaches and I am just frustrated with this Bank. They finally told me that " they can basically do anything they want to me because they are not a XXXX owned bank and that they are owned by XXXX Investment company ''. I am in a dead lock and I do n't know what to do. With my credit being bad, no one else will refinance me and this bank has been totally taking advantage of my situation. My house has equity of close to {$300000.00} in it. but this line of credit is in XXXX position. I do not want to sell my house because the income I get from it, helps me pay my kid 's expenses. My experience with Union bank has been terrible. my financial situation becomes worse as I keep paying interest every month ( interest only ) with no hopes to be able to refinance anytime soon. I am a single mother of XXXX, I have a daughter in college and having been stuck in a horrible loan like this makes my entire financial situation worse. Union Bank has told me over and over again that they will not do anything to help me refinance to a conventional product but I want to at least have some principal come off my monthly payments every month. I want Union Bank to help me refinance out of this horrible product and hopefully get a loan with a better future outcome not XXXX that my payments keep going towards interest and the loan amount never changes!
Product: Credit reporting or other personal consumer reports

I would like to state that Transunion is in violation of 15 Usc 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report with the written consent of the consumer. I NEVER gave your company the written consent to furnish a report on my behalf. No consent is identity theft! I demand that you remove the inaccuracies off my consumer report immediately! The inaccuracies on my consumer report are causing humiliation, and distress. You violated 15 USC 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I have not been able to obtain credit, insurance, employment, or housing as well as suffered mental XXXX XXXX, and homelessness. You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. I demand all negative accounts be removed as followed : XXXX XXXX XXXX {$690.00}, XXXX XXXX {$360.00}, XXXX XXXX  {$130.00}, XXXX XXXX XXXX {$550.00}, a number of unauthorized hard inquires : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  : XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX, XXXX {$600.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2023 I need these removed off my consumer report immediately. 

I have attached my consumer report and look forward to hearing from your company.
Product: Debt collection

I normally do not answer phone calls from numbers I do not know but today I received XXXX calls in a row from the same number so I thought it may have been someone I knew. However, an extremely rude lady asked if I was XXXX, I said yes, and she told me that her client wants her to read me something regarding something I owe but she would not tell me what. I told her to mail me something and she got really upset with me because I wouldn't speak to her and became confrontational when I asked her why she called XXXX, hung up when she got my voicemail, and then called right back. Then she called A THIRD time so I finally blocked her number. She in turn left a voicemail which I will attach a copy of so you you are able to see the message she left. She didn't verify who I was, except to say that she was with Unity Asset Management ; she didn't very any personal information such as the last XXXX digits of my social security number and she did not give me the mini-miranda.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 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 an account without my handwritten instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/2023 I saw an offerup listing for XXXX XXXXXXXX XXXX  XXXX for {$530.00}, we do the transaction by paypal as it is a safer payment method. I said to the seller that I would pay {$40.00} for the shipping through friends & family and the rest through goods & services, but she demanded {$60.00} so I just agreed to it and payed {$63.00} because there is {$3.00} fee. this money is sent to XXXX and the fund will be available on XX/XX/XXXX so there is still time. After it she sent me the not complete tracking number and demanded {$100.00} more for the full tracking number, so with my kindness I paid {$100.00} more to XXXX with paypal again. then she sent me XXXX tracking number but after some day, It got delivered but not to my address. I contacted her and she said, she will contact XXXX and she just told me to wait for it but until now ( XX/XX/XXXX ) I still havent got the phone and she blocked me off
Product: Consumer Loan

This complaint is the dishonesty of Flagship Acceptance Corporation, LLC and the predatory lending practices. XX/XX/XXXX I purchased a XXXX. purchase price was {$19000.00} with a 13.49 % interest rate payments of {$390.00} per month with a 72 month loan term. If Flagship records their calls as the claim to, Flagship would find that I 've asked over a numerous times about lowering the 13.49 % and I was told Flagship does not change the terms of their loans. Also I received a letter response from XXXX basically saying the same thing. I tried to get the vehicle refinanced to avoid paying {$28000.00} for a {$16000.00} vehicle because the XXXX is considered a used vehicle and is difficult to refinance because the interest rate caused me to be underwater in my loan. Although I paid late due to situations beyond my control. From XX/XX/XXXX to XX/XX/XXXX Flagship received over {$7700.00} from me and I still owe {$17000.00}. I received a call from XXXX office XX/XX/XXXX regarding my amount due and interest rate and Flagship agreed to drop the interest rate to 8 % payment {$330.00} with the a 72 month term. When I informed Flagship that I filed chapter XXXX the representative told me that they will not go lower than 8 % I asked if she could submit a request for a lower interest rate. My lawyer XXXX Esq.receive a letter from Flagship agreeing to drop the interest to 4 % and reducing my payment by {$2.00} per month 72 months. The blue book value of this vehicle is {$8000.00} and if I surrender the vehicle that the only amount legally that Flagship could sell this vehicle, yet they want me to pay {$17000.00} for this vehicle. In my opinion this is not an ethical business practice similar to the pay day loan/cash advantage trap. Also Flagship Credit Acceptance LIED when they say they Flagship will not under no circumstances lower the interest rate and change the terms of the loan. A new interest rate a monthly payment was changed was offerred twice
Product: Checking or savings account

Asked for a stop payment to XXXX in the amount of XXXX to be stopped on XX/XX/2023 inside a branch of Regions bank and the teller said Regions does NOT allow stop payments. I canceled the agreement with XXXX on XX/XX/2023 due to their refusal to honor a Warranty. XXXX used slander, defamation of character, and libel to commit fraud. On XX/XX/2023 a different representative from XXXX admitted that they failed to honor my cancellation and finished their responsibility to cancel the contract. Regions bank allowed an unauthorized withdrawal of XXXX on XX/XX/2023. Upon disputing the wire fraud allegations, Regions for a third time allowed a a company to steal my money. These idiots at Regions actively engage in discrimination against anyone that is a XXXX that also has a double Business degree.
Product: Mortgage

I applied to refinance the existing conventional mortgage on my home with Wells Fargo due to their competitive interest rates. Wells Fargo promptly locked me into the rate by covering the appraisal fee. The appraisal concluded that my homes value and condition met FNMAs underwriting standards and that there were no conditions attached to the appraisal. This conclusion is consistent with the appraisal conducted just 12 months ago when I originally purchased the home. 

Subsequently, XXXX XXXX underwriting team informed me that I must install a handrail on a flat-top roof due to door access. While this may be required under current building codes for new construction, my property is grandfathered under local building codes, as the area in question has not been altered. Moreover, the appraisal explicitly stated that no handrail was necessary. 

When I inquired about the basis for this requirement and requested clarification regarding the underwriting guidelines necessitating such an improvement, XXXX XXXX underwriting team repeatedly stated that it was their internal requirement. No specific guidance or justification aligned with XXXX XXXX XXXX XXXX was provided. 

I informed them that conditioning the loan on installing a handrail would eliminate any of the economics of using them based on their rate. I furthermore conducted research and consulted with underwriters from other financial institutions, all of which indicated that XXXX XXXX requirement exceeds FNMAs guidelines. XXXX XXXX underwriting team even asserted that, Underwriting calls for items deemed safety concerns even on as-is reports ; we dont need the appraisers input in such instances. However, according to XXXX XXXX XXXX XXXX, Section B4-1.3-06, Property Condition and Quality of Construction of the Improvements, underwriting decisions are to be based on the appraisal report, which, in this instance, explicitly noted no conditions requiring a handrail. 

This leads me to conclude that XXXX XXXX underwriting team is imposing requirements that exceed XXXX XXXX guidelines and are based on subjective internal policies rather than objective criteria established by XXXX. 

Furthermore, under the Truth in Lending Act, any additional conditions or standards imposed by a lender beyond those required by the GSEs must be adequately disclosed. Upon discussing this matter with my loan officer, I was assured that my application was not subject to standards exceeding FNMAs guidelines. However, XXXX XXXX actions suggest otherwise, as they are conditioning my loan approval on adherence to internal standards rather than the guidelines to which my loan should be underwritten.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Till this day over XXXX days later I have not received a response, yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days and should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.