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

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX   XXXX  and XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX637 ( 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 1002 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: Debt collection

XXXX XXXX keeps contacting me without forwarding proof that the Bill is mine. I have requested additional information on the Account, but they had only sent a Bill. & I am unfamiliar with the Creditor that is on my Credit Report & I have not signed for the Medical Services this Company stated they conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax for the past year, continues to report inaccurate false information despite me providing evidence alleged debts and accounts do not exist. I am experiencing major adverse consequences as a direct result of Equifax not reporting accurate information as per the Fair Credit Reporting Act and statute of limitations under State of New York.
Product: Payday loan, title loan, or personal loan

On  XXXX   XXXX ,   XXXX   I put in for a loan for {$150.00} And was approved, and received the funds.     On  XXXX   XXXX  I got a notice about that this was owed, but then on the  XXXX  I saw that a withdrawal was made in the amount of {$32.00} and change. Then I saw a few days ago in my account another sum of {$31.00} was taken making a total round off of {$65.00} from my account without permission.     I contacted the company about this twice by email and no response from them. So I called today,  XXXX   XXXX ,   XXXX   to further discuss this with them and let them know they did not have the right to take money from me without my permission. They tried to insist that the contract says automatic withdrawal is part of permission for contract but it does not say that. I read contract through before agreeing to this.     Now, I am in a situation where I need the {$65.00} back and the contract cancelled due to financial hardship. I am in a crisis situation right now and they do not want to give me back the money they took without my permission. As I told them, nowhere in the contract does it say I give permission for them to withdraw. I finally got them to get rid of that but I need the money that they took from me and the contract cancelled. As I told them, I can back out at any time and I need to. Told the Supervisor to take it to the C  E  O if he has to but I need the contract cancelled and the money back. Tried to insist they do not give refunds and like I told them it is money they took from me without my permission.     I need help getting this contract closed and my money back. They tried to quote  State  law to me but they do not have a leg to stand on. Please do something about this company before they scam someone else the way they did me.
Product: Vehicle loan or lease

In XXXX i to XXXX XXXX  in XXXX XXXX  to buy a car and i was financed bye credit acceptance and they financed me for a car for {$9900.00}. and they financed me for {$21.00} XXXX total and when i bought the car a had to pay to get the car registered so i had to give XXXX an extra {$500.00} for the registration so i did and she said she would send it to the dmv i waited 6 months and then i called her about the registration because i never heard nothing and i called her about it and she said that she had sent it in and that i should of recieved it already but i didnt so i waited 6 more months and nothing so i called her again and asked her if i could just pick up the {$500.00} dollars and i would go to the dmv my self she said she didnt have it that she had already sent it in but i never recieved it so i went to the dmv and XXXXhey dmv said there was no paper work sent in for that car and nothing under my name so i called XXXX at XXXX XXXX  and she was not in that day so i waited a week then i went down there again and she said she did not have the money i told her that the dmv did not get the money i needed the money to register my car i did not have another {$500.00} to pay again so i had to wait until the dmv got the money well they never did and on XX/XX/XXXX i had got stopped bye a [ police officer from XXXX XXXX police station and he said the reason bye he pulled me over because of my registration was exspired for 2 years i asked him when did it exspire he said in XXXX i told him that when i bought the car that the tag where XXXX tags on it so he took my car because of the registration so i went home and called the finance company and told them what happen and they told me they would get me the registration for my car and i told them that when i bought my car that i had payed the {$500.00} for the registration but i never recieved it and they said for me to call them back tommorow they where going to call family auto and i did they ended up calling me and they told me there was nothing they could do well i went down to the dmv and talked to the dmv and they told me that the car was not registered sense XXXX so the tags that where on my car was fraugalent so its a breach of contact and there is nothing they want to do to take care of this problem i told them that im not going to pay for that car because there is fraud
Product: Money transfer, virtual currency, or money service

Xoom has been notified my information was fraudulent used to obtain money from me using a fictitious link by a criminal person overseas. I reported it to my credit company that I was seeking services for my website from a company and they provide a link for my information. They used mu information fraudulently to take an unauthorized payment from my credit card. Xoom is trying to twist my words so they will not be responsible for the merchant charge.
Product: Debt collection

FCR services has either provided a false mailing address or is refusing to receive mail in order to frustrate the communication process and deny me my consumer protections under law.

They have also not informed me in communications about who they are or that they are trying to collect a debt.

This debt was also placed in my name fraudulently as a form of harassment by the original creditor. FCR services can not provide any written agreement that states I am responsible for the debt charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account number:XXXX  Account name : XXXX Account number:XXXX  Account name : XXXX  XXXX Account number:XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX  XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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 a 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 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 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

THis company TRANSUNION has been EXTREMELY DIFFICULT with handling my requests. I can not reach them at all by phone. they refuse to properly investigate my disputes. I have sent in a letter AGAIN and have not heard from them in over XXXX days. They are incorrectly reporting this account XXXX that is negatively affecting my life greatly. Please help THEY REFUSE TO PROPERLY INVESTIGATE MY DISPUTES and are constantly delaying/not responding to me
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any incoming deposits which was due in my account on XX/XX/scrub>/2025. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Why are is PNC not allowing use of the XXXX app?? That is the easiest way to send money to friends/family for whatever reason. It's all of the sudden not allowing me when previously this was not an issue. Its EXTREMELY disappointing!!! The only thing I can figure is that PNC is forcing everyone to use XXXX on their app or website which is XXXX! Please fix this so that we have the ability to use XXXX again.
Product: Debt collection

I found some debt collections on my Credit report in XXXX for Credit Services Company , Inc. I sent a request for validation of the debt on XX/XX/XXXX. In response, I received 3 debt notification communications dated XX/XX/XXXX for 3 accounts and a note that stated that I had 30 days to dispute the validity of the debt. The notifications had two names on them, my name and a XXXX XXXX. On XX/XX/XXXX, I received a notification that one account had been cancelled. On XX/XX/XXXX, I sent a second request for validation of the debt for the remaining accounts via certified mail and received USPS confirmation that the letter was delivered at XXXX XXXX  on XX/XX/XXXX. I received no response. On XX/XX/XXXX, I sent a third request for debt validation citing FDCPA and other laws requiring them to provide proof that I owed this debt. I received delivery confirmation that the letter was received on XX/XX/XXXX. In response, I received a one page document dated XX/XX/XXXX for one account stating they had determined that the debt was valid, but with no validation documentation as required by law. I received a second letter dated XX/XX/XXXX with the statement that they had concluded that the debt was valid along with a bill dated XX/XX/XXXX with both my name and the name XXXX on it, but no validating documents or anything with a signature on it. 

CSC has refused to remove the debt from my credit reports. I have given them more than ample time to provide documents showing that I incurred this questionable debt. CSC is still reporting this collection on my credit report, which is considered to be a continuation of collection activity after a request for debt validation. The combined debt amount is {$2000.00} and CSC continues to add interest every month and then report the outstanding amount to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$720.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted with her information that resulted in a fraudulent inquiry with Chase/XXXX that she did not authorize XX/XX/XXXX. A previous official dispute of this item was already sent to Chase/XXXX XX/XX/XXXX and again XX/XX/XXXX however as of this date Chase/XXXX has not sent a reply which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I go to XXXX to get a free credit report for TransUnion. I get the report.

I then want to see the score. I get a page that prompts for credit card info, I see NO indication that I'm paying {$19.00} and that I'm signing up for a SUBSCRIPTION.

I then try to cancel my order / subscription at TransUnion website. It is not possible.

TransUnion requires people to call a toll free number, which requires a very long wait.

1 ) It is VERY MISLEADING to not say that seeing your credit score requires signing up for subscription service.

2 ) The page did NOT show how much the cost is.

3 ) It is TOO HARD to cancel the subscription or order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 1 month to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several address and numbers that do not belong to me on my credit file. I am looking to start my own company soon and I need my personal information to reflect the correct and accurate data. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please delete the following cellphone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My Experian, XXXX and XXXX reports are showing late payements for XXXXXXXX XXXX XXXXXXXX XXXX XXXX for account number XXXX, my loans were in deferement and should not be showing XXXX  days past due during XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is showing incorrect account in my profile they are reporting ( 3 ) Car loans to my name when there is only one,  they are reporting a balance of {$8600.00} when the balance is {$7000.00}, XXXX XXXX XXXX XXXX XXXX was buy by XXXX XXXX and the same loan appears three times with three different balances, I have contacted XXXX XXXX and even made a complaint with consumer finance ( you ) and this still appears same account, same opening date wrong balance, XXXX  dont answer, the tools they offer to communicate dont work. My credit card are 0/0/0 well paid and they keep lowering my score all months.
Product: Credit reporting, credit repair services, or other personal consumer reports

My concern is that these credit bureaus/companies that need to run your credit to make sure you pay your bills are running individuals ' credit but are not providing people with any loan or credit card after doing so. This puts a two year hard inquire/derogatory mark on your credit report thats drops your credit rating around XXXX points sometimes. My question is, how are people supposed to come out of poverty-stricken areas when the system they have currently set ; makes a two-year derogatory mark on your credit report? This seems like a modern-day trap for slavery. This is unreasonable and only allows the rich to prosper and holds the people needing help at the bottom. I do not believe our credit reports should be affected if they are not providing us with loan/credit line at the end. I believe this is a way for the rich/big corporations to keep control over those who are not as intelligent with electronics/technology/economics and only breeds more hostility and deception. This is not honorable, justice, or reasonable by any means. This allows for people at the top to suppress those at the bottom by means of a fantasy number they control unfairly. I am a man that always pays his bills and have fallen victim to this credit scam even when I'm paying them more money over the term of the credit card, my credit score still suffers. That doesn't make sense. My credit score was around XXXX a couple years back and due to the having inquires ran on my credit I am unable to lower my interest rates on these cards with a personal loan or a debt consolidation loan. The system does not seem to be in favor of hard-working Americans who go to work and pay their bills in my eyes. Interest rates are unreasonable and with the current inflated market everywhere in the United States makes it much harder to be able to pay anything extra on these credit cards. Rent Cost have skyrocketed. Food cost have increased. Essentials have increased. The cost of living has increased. I don't see how workers are even making it in this current market when most of them are only bringing home less than {$1000.00} every 2 weeks. One check these days is your whole rent payment plus some extra. Having a home is a basic necessity that everyone should have in life but it's the things we pay the most for in life. We shouldn't be getting " XXXX '' for rent when we are trying to save for a home of our own. This is a class action lawsuit in itself. America is turning into the land of Monopolies and that is creating what we know today as modern-day slavery through economics and hacking technology. I missed all emails for the previous complaint I submitted but I have my notifications on now. Stop letting the big corporations bully decent hard-working Americans!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXXXXXX {$20000.00} ; XXXX XXXX CO XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$380.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX
Product: Debt collection

This was never my account! I'm not aware of this account. I never signed a contract with this account. I should not be held accountable for this account because it is not mine! I have already asked this account to validate this account, and it has failed to do so.