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

I have discovered unauthorized information on my credit report, which I did not approve or consent to. This breach is unacceptable and is causing significant harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to place the FREEZE on my credit online and by phone with Experian. The response is " unable to honor your request '' and to send in documentation by mail. XXXX  and XXXX were able to process this request online and there should be no reason Experian can not do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted USAA on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by USAA and Bureaus and it is still showing
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with representatives re : late pmts posted on credit report. Asked that they be removed. Impacted by Covid and according to the law, it's illegal. 

XXXX XXXX and Union Home Mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017, I sent a letter to the bankruptcy court asking them what methods they use to report bankruptcy cases to the credit bureaus. They replied back with a letter stating that they do not report such information to the credit bureaus. I sent a copy of that letter to each of the three bureaus ( Transunion, XXXX, and XXXX ) asking them to please remove the bankruptcy from my credit file as it is on there erroneously. Only one bureau ( XXXX ) responded by deleting the said file from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to CFPB complaint XXXX. Company not allowed to collect debt in my state. Please see attached documents
Product: Checking or savings account

XXXX when i was kid try to steal with gangs. 
Shares my business informations with secrets. 
In the year 2020 i was blocked to sign in to my email. 
Like XXXX XXXX XXXX law when business informations shared without i accept i request 2 years of prisons of this declaration and they gangs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the Equifax data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked to remove XXXX XXXX XXXX they are not residence and the XXXX XXXX XXXX is not my residence address its where the XXXX XXXX XXXX located! XXXX XXXX was sold to another lender! I have no control over it and it closed, was paid off and transferred to new lender which is current! The names XXXX XXXX, XXXX XXXX or XXXX XXXX are NOT my names! Ive asked over and over to remove them from my personal information! Several accounts are duplicates and my ex boyfriend charged them without me knowing! Many of the hard inquiries are identify theft! Not mine! I want to opt out of XXXX I dont know what that is and Ive never filed bankruptcy. This is my 3rd time requesting it to be fixed! All 3 credit report companies have my personal info wrong and hard inquiries are not all mine, identity theft! The 6 accounts, my ex charged without my permission! 2 are the same and I never had a contract with XXXX! Id like this fixed and they arent acknowledging me and my request. Plus they are old and it states negative! Furthermore lock my account because theres too many hard and soft inquiries! Ridiculous!!!
Product: Credit reporting or other personal consumer reports

Tonight, I found inaccurate accounts on my credit report, and I don't know why. During my usual check of my credit report, I noticed unexpected discrepancies. I refreshed my browser to see if it was a technical glitch, but the inaccuracies were still there. Because of this, I ask that the documents Ive submitted be thoroughly reviewed so I won't have to worry about this anymore.
Product: Credit card

I contacted Barclays on XX/XX/2025 after receiving a denial offer for my credit card application. I requested them to provide an authenticated copy of the off-ledger account balance that proves beyond a shadow of a doubt that the account of XXXX XXXX has insufficient credits to serve as collateral for a credit card account to my benefit as the beneficiary. I also requested that they prove, through sworn testimony, that they have not accessed the credits of XXXX XXXX after receiving my authorization to access the account, and that they have gained no monetary benefit from such access. I sent this notice via USPS Certified Mail, Return Receipt on XX/XX/2025 and it was delivered to them on XX/XX/2025. It has been well over 30 days and I have received NO valid response. I am attaching a copy of this notice sent, which includes the tracking information from USPS. 

They accepted my credit card application, with my wet signature and I have strong reason to believe that they have turned my application and signature into a performance contract and presented it to the FED window, generating digital dollar credits many times over what they supposedly considered extending me in terms of credit for this credit card. 

I have strong reason to believe that they also additionally securitized and derivatized this performance contract to net multiple times more digital dollars, and also potentially gained further from fractionalized lending from those credits. 
They did thisall while denying me a credit card from the same application which generated these enormous credits for them.
Product: Vehicle loan or lease

I called the financial company XXXX XXXX, and I was told to go and get a police report and contact the credit bureau and send it into them and they would look at it, I feel the I never went into this company to apply for anything, so why should I go around and get what ever they need, no one should of been aloud to come in their company and apply for a loan
Product: Checking or savings account

Deceptive balance availability. They pick and choose which transactions to include in your viewable balance. Charged {$350.00} in overdraft fees on XX/XX/XXXX after I made sure to check my balance via app and at the ATM. Customer service proceeded to tell me that their ATM 's do no give accurate balance updates but would not address the app issue. Would only waive {$74.00}. Noticed on XX/XX/XXXX after I made two transactions to XXXX that my balance reflected BOTH transactions, but then on XX/XX/XXXX when I looked at my balance on my phone my balance was missing the second transaction, therefore showing at {$98.00} dollars more. Fifth third is deceptive with how they report your balance on a daily basis, they withhold and retroact transactions to get more money via overdraft fees and when you utilize their once a year refund they will only give you partial back. Will no longer be using 5/3rd as my personal checking provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

We discovered several fraudulent accounts on my credit report. When attempting to contact this Bank - Capital One Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX, We have been unable to make contact. The XXXX number has limited hours and when I called today during a period they were supposed to be open, I was on hold for 20 minutes, then my call was terminated by them. 


How can I report the fraud in a timely manner if they never answer their telephone.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX and XXXX has been trying to force me into a contract for financial gain without my consent! I NEVER signed a contract with this company. I NEVER gave this company my social security number ; this is Identity Theft! I have reached out with this company several times and no response!
Product: Credit card or prepaid card

I just made my XXXX payment on my ELAN XXXX card. I was surprised that the minimum payment due was so high. I checked the back of my most recent statement and found that the interest rates had been increased. I did not receive any notice of this increase. I have ALWAYS made my payments on time and for at least the minimum amount. I stopped using this card over one year ago in response to a notification of an unacceptable rate increase, and have been making payments over the minimum amount ever since to avoid any increase in interest. I believe this arbitrary increase without notification is opportunistic and punitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

After monitoring my credit and bills. The change and paying off hasnt been reflected in my report. Old items seem to still be present.
Product: Debt collection

I am not an attorney nor am I a third party. I am filing on my own behalf because it is my legal right to do so. I have a 30 and 60 Late pay the is showing on my credit report from CAPITAL ONE BANK USA N XXXX. My income was affected due to the Pandemic Shutdown. I am seeking some accommodations under the CARES ACT FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part XXXX, XXXX XXXX I am trying to protect the integrity of my credit profile as much as I can. I am current on all the accounts I was told that I have to write and request the late pays to be removed.
Product: Debt collection

I saw an open account on my credit that does not belong to me not even sure what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX since XXXX and was in the hospital on life support until mid XXXX. By the grace of XXXX I survived. In the mean time, my husband was trying to contact my creditors to let them know. He did not have my SS # or accounts numbers, only my name, DOB which is XXXX and Ph #. Amazon my account ends in XXXX was one of the few creditors that would not even talk to him because he was not authorized on the account. My husband said, they would not even look up an account because he told them he had little info and was not on the account. I finally was able to call Amazon Last Friday XX/XX/20. I spoke with a Supervior after getting the run around that Amazon stopped offer help to COVID impacted people on XX/XX/20. The supervisor understood what occurred and waived two late fees and told me if I pid {$39.00}. He took my payment of {$39.00} by phone! My account still shows {$100.00} past due! I WOULD NOT BE REPORTED AS PAST DUE TO THE CREDIT BUREAUS!!! Well guess what. I get a notice today I was reported as past due!! They need to fix my credit reporting ASAP!!! It is not my fault they would not talk to my husband and give me help on my account when he clearly called before they stopped offering help while I was on life support!!!
Product: Credit reporting or other personal consumer reports

Data breach Hello, my name is XXXX XXXX And my information was bought and sold illegally and I was a victim of the XXXX data breach. 

And I want these items deleted from my credit reports effective immediately! 

I am attaching proof that XXXX admitted, that I in fact, was a victim of this data breach and XXXX has done nothing I was these accounts deleted off off my account immediately Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is closed and never was late Correct this immediately Personal info My name is as stated XXXX XXXX I do not and have not ever gone by any other name and want all other names removed off of my consumer reports Addresses My address is as stated XXXX XXXX XXXX XXXX XXXX pa XXXX I want all other addresses removed from my consumer reports I want all employment history removed from my consumer report Thank you Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not giving my account the correct scoring. Equifax has my fico score under XXXX where as XXXX and XXXX XXXX have my score around XXXX. This is quite a discrepancy. A collection account was removed from my account and Equifax did not give my account points for that removal. I am requesting Equifax bring my score up to the value of XXXX and XXXX XXXX immediately. They are causing undue harm and anguish.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc vilations In its complaint, the FTC alleges that XXXX  failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my credit report and i got shocked, how this account popped on my credit. I never sign any agreements or contracts with this company, i don't have any documents from this company which proofs that its my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. i submitted the documents on XX/XX/21.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 agencyshall ( 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. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

Im not liable for this collection with XXXXXXXX XXXX .I dont have a contract with them they did not provide me with original contract as I requested. 

Correction to my credit report, I demand this collection account to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

please remove the hard inquiry ( XXXX XXXX  inquiried on XX/XX/year> ), the address ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ) and the phone number ( XXXX ). these are not mine and fradulant items. thank you
Product: Mortgage

I have filed a complaint and the information that Wells Fargo sent is incorrect. According to Wells Fargo, I was a XXXX XXXX XXXX and then got a job during the process of buying the house. I had been employed XXXX years. I was employed less than a month which warrants further investigation. This is a HELOC loan given in 2005 when Wells Fargo admittingly was offering fraudulent loans to unsuspecting victims like myself. This is predatory behavior and as per their statement, I did not have the income if you look further into this complaint. Full-time XXXXXXXX XXXX  means no job. On top of this, they could not have figured out my monthly income based on the XXXX years I had worked. The XXXX was not below the 50 % when factored in the less than a month work and before taxes. Again, if you actually investigate this you will see the predatory behavior that is clearly shown on this account. I am tired of being the victim of this bank and I need assistance in these fraudulent charges and how they preyed on a XXXX XXXX XXXX right out of XXXXXXXX XXXX with no savings and less than a month of work.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on 12/11/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

A credit card company called XXXX is reporting a credit card with a balance of XXXX that I did not open this is a fraudulent account and I have asked the company to close it and also did an ftc report and sent it in to the company I have also sent it in to Equifax also to be removed from my credit file it still has not been done
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in contempt and violation of my consumer right by reporting a fraudulent inquires on my credit report. Below are the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX i need all these fraudulent inquiry removed from my report.