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

I was processing a mortgage loan with XXXX XXXX, and after they were wanting to charge me preposterous and unexplained fees, I decided to take my business elsewhere. They have continued pulling credit reports without my consent. I moved my business and am now processing a mortgage with XXXX XXXX and have authorized them to pull my credit, there are multiple other inquiries that have not been requested nor authorized. I placed a credit freeze on all of the credit bureaus and would like to request an investigation as to who is pulling my credit report with hard inquiries without consent.
Product: Credit reporting or other personal consumer reports

I obtained my transunion credit report and found XXXX unauthorized/fraudulent inquiries. From XX/XX/2025 I obtained my Equifax credit report and XXXX XXXX unauthorized/fraudulent inquiries. From January 1XX/XX/2025I obtained my XXXX credit report and found XXXX unauthorized/fraudulent inquiries. From January XX/XX/2025
Product: Credit reporting or other personal consumer reports

XXXX XXXX electronically got my info ( XXXX, XXXX, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. XXXX XXXX admits to having no physical or electronic signature and admits that is only their " belief '' that the account was created by me. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. My consumer rights are protected as The UCC states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. XXXX XXXX need remove all attempts to collect and stop publishing this account with derogatory marks on my credit report. Furthermore I want a forensic audit of the entire accout showing XXXX XXXX is not attempting to collect on an account that is already paid & written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 XXXX has my birthdate listed incorrectly. 
As of XX/XX/2023 XXXX, XXXX, and Transunion are all showing different total accounts open, different status of certian accounts and misleading numbers on the total balances across the board. 
As of XX/XX/2023 XXXX, XXXX, and Transunion all are displaying discrepancies in payment dates, status of accounts, and opening dates, As of XX/XX/2023 XXXX, XXXX, and Transunion all are showing my Student loans from XXXX on my credit report which is against the privacy act, all the loans are up to date and I have the right to privacy of the status, due to the deferrment act passed by the president,
Product: Bank account or service

I signed up for a Citibank Gold Checking account in XXXX 2015 with a promotional code. The promotion was to receive XXXX ThankYou points after making two monthly bill payments. I met all the requirements and starting paying the monthly ( {$30.00} ) account fee. I have not received any points. I have contacted CitiBank about this twice and they keep giving the same response " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. We understand this is not the resolution you had anticipated. '' This statement is incorrect as the promotional code was a public code and my husband had successfully been through the process a month earlier and received his points. I would not have signed up for the bank account if I had not had the incentive of receive the points to offset the high monthly account fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

In accordance with thee 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 XXXXXXXX : XXXX XXXX XXXX XXXX : XXXX, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
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 U.S.C 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX Account name : Consumer XXXX XXXX  Has 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/ReportedXXXX XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/ReportedXXXX
Product: Debt collection

repeated calls for someone named XXXX; informed them no one here by that name. caller ID shows PFS LLC. Latest call on XX/XX/year> at XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX ( FINANCE ) XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( FINANCE ) XX/XX/XXXX, XXXX XXXX ( XXXX XXXX  ) XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  THERE IS 1 LATE OR MISSED PAYMENTS ON MY REPORT ON XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/year> submitted 605C human trafficking proof to experian & transition ONLINE ( police reports, victim advocate letter, personal letter & proof of identity ) and which accounts need to be blocked.

EXPERIAN_I have called daily and there has been no response or resolution. Each time I speak with a representative they say they are " too busy '' or backlogged. This violates the guidelines of the 605C debt bondage relief act. This is putting me at risk for losing my housing due to the deragatory information and I have told the representatives repeatedly of this emergency situation. I have reminded them that there are only 4 businesses days to block this information and we are past that deadline. 

XXXX claims they do not have my documents and are not allowing me to upload them online. they have had my paperwork XXXX XX/XX/XXXX per the representative I spoke with today. it is now XX/XX/XXXX! Significantly beyond a 4 day period. 

I have rebuilt my life significantly over the last XXXX  years and this old information from a traumatic time in my life continues to haunt me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the XXXX and TransUnion Credit Bureaus dated XX/XX/2022 to update these inaccurate accounts. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

experian had received my letter with giving instructions to delete false information. My privacy as been violated by experian for furnish this false information without my writing consent violating two statues of the law 15 US code 1681 ( A ) ( 4 ) and 15 US code 1681 ( B ) ( 2 ). By doing so experian had allow debt collector to communicate with me in a form of furnish this false information and again violating my privacy and another statue of the law Pursuant 15 US code 1692c ( A ).
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the fraudulent accounts and inquiries listed below be blocked and permanently removed from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was charged {$100.00} in overdraft fees even though I put money into the account. I asked for {$35.00} to be refunded and that was refused.
Product: Vehicle loan or lease

I was only late over 30 back in XX/XX/2017. I had on time payment untill I had a dispute. Then my report started showing 30 day late every month or more because of a XXXX dollar late fee That I wasn't notified of. I paid what the representative told me to pay.
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 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck 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 us 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 severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was inquires from American Express TRS on XX/XX/2017, XXXX, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, on my credit that I never authorized. I do recognize one Inquiry I did on XX/XX/2017 and I authorized this myself! Tried reaching out but got no help
Product: Credit card or prepaid card

On XX/XX/22 and XX/XX/22, Capital One called me to verify a credit card application, which I did NOT make. They were helpful each time to tell me the steps to take to further protect my identity. On XX/XX/22, I called Capital One to report emails I'd received notifying me that account information had been change ( email address and phone number ), changes that I did NOT make. Capital One has been helpful and informative in leading me to next steps, sending me here to make this complaint. They also suggested that I contact credit bureaus to put an alert on my credit report.
Product: Credit card

I made a purchase on PayPal Credit with 24 month no interest payment terms. The payments I made were applied to pay down the 24 month purchase instead of purchases that had lesser terms. This seems extremely deceptive, I was planning on paying off that balace ove 24 months and now it has been paid off 12 months earlier and I am left owing other balances immediately
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX Store delivered and set up a youth bedroom set that was damaged at the time of delivery, I attempted to get the furniture replaced by notifying the delivery driver, emailing the XXXX XXXX Logistics person, and going in-person to the local XXXX XXXX store all on XX/XX/XXXX the date of the delivery. Despite my efforts to have the furniture replace and then later my request to have a full refund, XXXX XXXX Store was non-responsive. I disputed the charges via Visa and they returned my money after an investigation which XXXX XXXX challenged and lost. I even paid to have an independent furniture person come and assess the damage and provide a write up of their assessment on XX/XX/XXXX. I believe the original amount was {$2100.00}. Then later on XX/XX/XXXX, XXXX XXXX Store refunded me {$600.00} ( $ XXXX {$58.00} ) and released me from liability for the dresser. I have included all of my attempts to resolve this matter unsuccessfully with XXXX XXXX Store.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint. When I reviewed my credit report, I discovered that some of the information was erroneous. 
The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6700.00} XXXX XXXX XXXXXXXX Balance Owed : {$47000.00} XXXX XXXXXXXX Balance Owed : {$35.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

ACCOUNTS XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NO ACTION HAS BEEN TAKEN BY THE COMPANYS.
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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$76000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The problems started on XXXX XXXX with XXXX, XXXX XXXX XXXX XXXX, XXXX, UT XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, CT XXXX made a hard inquiry on my credit report. I have never used or heard of XXXX XXXX. 

On XX/XX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, GA XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

These hard inquiries have adversely affected my credit score, which I would like to have corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Accounts not removed after fraud /theft report submitted
Product: Payday loan, title loan, or personal loan

Hi, I paid this loan off for the payoff amount that was given to me in XX/XX/2022 in the amount of {$5600.00}. Afterwards, I was told that I still owe over {$1000.00} more for interest. One Main Financial is ripping people off after they're getting paid the money. I spoke with several associates/managers and even Corporate people but still nothing. Even when they were getting paid by the insurance company while i was out of work due to XXXX, they still reported me to the credit bureaus as non payment. I am not paying them anymore money, esp when I've paid them more than the actually loan itself.
Product: Debt collection

This past summer I recieved a call from United recovery systems in their attempt to collect a debt for XXXX who had been sending said notice to address i hadnt lived at in almost 3 years and calling an out of service number which is why i hadnt paid it I did n't know about it. I spoke to a young man and we discussed the situation and i agreed that the account they were attempting to collect was in fact mine and requested to have communication about the aforementioned to my current address, but it never came. Then the calls started coming in. Some lady named XXXX XXXX would call me daily more than once and leave voicemails, so many so that I had to block her number from calling me while I waited for the paper communication for the debt which never came. I recently got a new phone and got into contact with XXXX XXXX aND she told me it was n't my right to have a paper communication of my debt sent to me and that all it would tell me is exactly the information what she was telling me on the phone, I told her okay aND that I 'd call her back when I had the funds to begin payments on what I owed, so since i got the new phone XXXX XXXX number was no longer on my auto reject list. She called me once this morning and I work on XXXX and told her I was unableto talk and that I would call her back when I got a chance and to please not call me again, well XXXX hours later she called me again even though I asked her not to. I have since contacted XXXX and paid half of the debt I owe directly through them
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

My XXXX XXXX XXXX mother wanted to send money via Western Union to my daughter and myself for XXXX. 

Western Union charged her {$28.00} in transfer fees. 

She was not informed that Western Union has it 's own " Exchange Rate '' that is well below the going bank exchange rate. Western Union quoted me XXXX = XXXX while XXXX XXXX 's rate is XXXX. From the XXXX XXXX the quote was XXXX. These rates were quoted at the same time of day. 

The point is that my mother was not properly informed that Western Union intended to profit from the exchange rate.

The helpline which I contacted after my mother had sent the money at Western Union admitted that they have their " own rate '' that they intend to profit from.