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

I am stressed and displeased that I see so many unauthorized accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach recently, I would think you all would take extra measures to protect my consumer report. I do not feel that my information is being protected. This is defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness sand they have not.

15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and unauthorized accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. According to 15 US Code & 1681N ( b ), these damages need to be paid for up to {$1000.00}. Ive paid many application fees for mortgage and rental just to find out that unauthorized accounts are being reported. I have wasted time and money that I can not get back. I am demanding remedy per Law.

As this is my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress and a lot of my time as of now. These companies and the credit bureaus are being sued for such damages already. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items arent removed and blocked immediately and willing to do whatever I need for justice.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 HAS violated my rights. 

XXXX. XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX. XXXX. XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

My loan was sold from XXXX to Ditech XX/XX/2018. My insurance and taxes are escrowed into my monthly home insurance payment. I received a notice from my Homeowners insurance company on XX/XX/XXXX that the Insurance invoice had not yet been paid. 
I contacted DiTech immediately XX/XX/XXXX. During the call I provided the name to the insurance company, insurance phone number, account number, and insurance agent phone number. ( Which I could already see was visible on my account profile online. ) The representative assured the payment would be made immediately. Yesterday XX/XX/XXXX, I receive another letter from the insurance and mortgage company that the bill was not paid. I contacted XXXX ( Insurance ) and they confirmed my insurance was pending cancellation. 

This morning XX/XX/XXXX, I contacted the Insurance Agent who advised I would need to pay XXXX to reinstate the insurance. She advised she had heard NOTHING from Ditech and was unaware a statement was required. DITECH has my money and has caused a lapse in homeowners and additional funds that needed to be paid. 

I demand to remove escrow and get full refunds for all funds paid to reinstate.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX ( XXXX ) requested that XXXX and XXXX remove this account from my credit consumer report via certified mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contact number XXXX to send me the original contract that shows that I have a contract with this company and provided my wet ink signature showing that I have entered into a contract for this company to collect any debt. this company is in several USC violations for false reporting USC 15-6802, Title 18 USC 241 , UCC 9-210 15 USC 1681, 15 USC 1601
Product: Credit reporting

I dispute the validity of this Tradeline. 

XXXX XXXX XXXX XXXX This account : 1. Is missing the Balance History Data for the most of the time the account had been open 2. This account was opened in XX/XX/XXXX, yet only XX/XX/XXXX to XX/XX/XXXX is showing. 
3. Has Late Payments, when there is no Balance History to support this. 
4. Has erroneous comments added - to this and almost all of my accounts. 

The record is incomplete, and therefore inaccurate. 

Please validate the Payment History to ensure the entire history is published Please ensure that history can support any late payments reported, or DELETE the account.
Product: Vehicle loan or lease

XX/XX/XXXX I was approved for a XXXX XXXX XXXX through cars finicial inc division of shelor motor mile inc I traded a XXXX XXXX XXXX and then XXXX down I been makeing my payments on time for a year never been late I was told by cars financial that they would report to XXXX XXXX and XXXX  they never did I ask for a vehicle report never got one I was never told the XXXX XXXX XXXX had manufactured warranty still on it also the car was totaled XX/XX/XXXX I was hit from behind XXXX insurance did run a credit report showing shelor motor mile inc and cars financial sold me a repo this car was a repo they did from another customer come to find out shelor did not auction the car off they told the other customers they did this what was left on it to be paid instead of auctions off they just put it back on there lot re selling it through cars financial in other words they committed fraud to the other customer that XXXX XXXX was never auctioned off that is takeing money with intent to defraud I was coned into buying it to hide there crime
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 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 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

I requested items be removed and updated in my dispute sent out XX/XX/23
Product: Credit reporting or other personal consumer reports

Subject : Notice Regarding Discharge of Debt Under HJR 192 and Request for Credit File Update I am writing to formally notify you of my status as a Secured Party Creditor and the discharge of all debts associated with my accounts under the provisions of House Joint Resolution 192 ( HJR 192 ) of 1933. Enclosed with this correspondence is an official document from the Internal Revenue Service corroborating this discharge.

The discharged accounts include obligations reported under the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the authority of HJR 192 and supporting documentation, I understand that these debts are considered null and void. Furthermore, I request that any derogatory or inaccurate information about these discharged accounts be permanently removed from my credit file. 

As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681i : The right to dispute inaccurate information and have it promptly corrected.

15 U.S.C. 1681c : The right to request the removal of obsolete information. To ensure compliance with federal laws, I expect these actions to be completed within 7 business calendar days from the date of your receipt
of this notice.

Failure to comply with this lawful request may result in further action, including filing a formal complaint with the Federal Trade Commission and potential legal remedies. 

Please confirm in writing once these corrections have been made, and direct any correspondence or inquiries regarding this matter to my attention at the address on file. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I have made multiple attempts to have this removed from credit card. This debt is medical debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX credit card a few weeks ago and I was not approved instantly but I didn't think anything of it, now today XX/XX/20 I got a letter in the mail saying that the reason that they could not approve me for their credit card is because there are negative accounts or loans on my credit. I didnt know what accounts they were talking about because none of my loans/credit cards have ever been late or in negative standing. I looked through my credit report and I saw more than ten accounts on my report that are not mine. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I don't know who opened these accounts in my name without my permission but I have already filed a police report. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I ever make any payments towards those accounts. I don't have a contract or relationship with any of the companies I listed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a reinvestigation letter to XXXX, Equifax, and XXXX XXXX XXXX  XXXX XXXX account on my credit profile. I also complained to CFPB about the inaccuracy and damages that these credit reporting agencies have done to my credit report. The response I received from Equifax, XXXX, and XXXX was that the inaccuracy on my credit report was verified. I was not given any information on how this inaccurate reporting is verified, and what was investigation methods used to verify the information. I am still left with my credit hurting with inaccurate information. Down below you will find the letters I have received from Equifax and XXXX. XXXX did not respond to the investigation which is a violation of the company have 30 days to respond and they failed to do. Also, I included the next set of letters mailed out to the credit agencies below requesting some answers and accountability and deleting the account.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported. 
Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ). 
The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date. 
I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date. 
Without this evidence, the creditor can not lawfully report a payment as late. 
Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported. 

In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report. 
Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that you will fully investigate this matter and provide a response within the time frame required by law. 

Sincerely, XXXX XXXX
Product: Bank account or service

My wife ( who is a signer on both our business and personal accounts for PNC ) went to a branch to have a third party check cashed. The teller refused because of bank policy of there not being enough $ in our account. ( The check was over by XXXX $ and later Customer Service said that he should have cashed the check especially since there was plenty of $ to cover that check in the attached business acct. ) The incident descended into an intransigent argument. 

As a result of the altercation, the teller cancelled my wife 's personal account debit card using her social security number to do so. This was confirmed by information received by corporate customer service a few days afterwards when my wife called in to check the status on a card that was n't working for transaction even though we have $ in the account. 

I went to the branch where the exchange originally occurred to speak with the manager, explained to her the situation and she even confirmed that this teller 's name was listed as the agent who closed my wife 's card and the date ( that the altercation occurred ) was listed as the date that it was closed. She excused herself to speak to the teller and get " his side '' ... 
Funny, he could remember the altercation, but not remember closing her card, but then gave the manager some story about someone calling at some point later in the day to cancel a card and he could n't remember if it was my wife 's card or not, but he 's not sure ... Even though the manager said to me " but no one 's card but your wife was closed on that day ... '' I was assured that PNC takes these sort of matters " VERY '' seriously and that she was going to be escalating this incident for investigation etc ad infinitum ad nauseum ... 
That was Friday XX/XX/2016. We were contacted by an agent in the " executive relations '' section of PNC that same day saying that she would be handling the investigation, but calls to her or others in her office have yielded only run around results and answers. In fact, the person I just spoke to who was in the same " section '' as the " investigator '' said that no investigation had even been opened regarding this incident. 
This teller has access to our personal information and has already used it once to close a card in order to retaliate against us. This behavior is not only unprofessional and potentially criminal, but it is a serious breach of our trust as multiple account holding clients and the general public at large.
Product: Debt collection

In XX/XX/XXXX, I purchased a theme park pass for XXXX XXXX. Due to the Pandemic, XXXXXXXX XXXX did not open as scheduled in XXXX XXXX. When the park subsequently opened I could not visit ( I could not use the pass I purchased ) due to being both immunocompromised and having XXXX  XXXX XXXX. My doctors said I should not visit. I relayed this to XXXX XXXX, but they would not cancel the pass. I contacted my credit card company who reversed the XX/XX/XXXX charge ( of {$110.00} ). 

This item appears as delinquent on my XXXX credit report. I contacted XXXX and explained the situation, but they have not removed the item from my credit report. 

The company reporting to XXXX is Consumer Adjustment Company. 

( For what it's worth, both my credit company and XXXX agreed with me. XXXX removed the item from its credit report and the credit card company reversed the charge from XXXXXXXX XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

sick during covid for over a year and all these accounts have popped up. no such contract can i find, but to report a collection for a few hundered dollars does not make sense Account name XXXX  XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$400.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$250.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$370.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX  XXXX Account number XXXX  Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$390.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$580.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms 39 Months On record until XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account 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, and I'm including it again. 
XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, I filed for a Discover personal loan in the amount of {$8300.00}. On XX/XX/2024, I called XXXX after rereading the Discover notification email. Despite submitting three months of bank statements, the customer representative commented that someone had marked I had not. After twenty minutes, he stated that the application could not be processed anyway without a copy of my social security card. Since my social security card was in my safety deposit box, this was not possible. If only someone had informed me before the safety deposit box location closed for the night, I could have done something. 

Why do I receive Discover personal loans mail solicitations that fail to mention I need a photograph of my social security card for the application process? Why did Discover accept my application without a necessary ID document? Why was my application marked as not having bank statements instead of a picture of my social security card? Why is there no alternative document for a picture of my social security card? Why would a W2 not be acceptable?
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX and XXXX XXXX XXXX my residence was Impacted horribly by two hurricanes Natural Disasters back to back. I have lost everything. I called and got extensions assistance for my other bills. Everyone understood our situation. I called Affirm and they had nothing to offer me. I was able to pay off the accounts but now they have damaged my credit score. Not even updating they accounts are paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my XXXX  profile and found a hard inquiry from a "non-account" holding creditor named XXXX  XXXX  and XXXX XXXX XXXX on XX/XX/2018.
I've never gave permissable purpose thru verbal or written authorization to view my credit profile. This may be a case of predatory tactics often used by some auto dealers but without the consumers authorization. I've never received any type of confirming denial or approval of any loan I allegedly applied for with this company.
I wrote a letter to dispute the inquiry and requested proof from XXXX  & XXXX XXXX  of authorization by me or delete from my XXXX  credit profile immediately! This hard inquiry is suppressing my credit score.
I have attached images of the letter I sent XX/XX/2018
Product: Checking or savings account

{$32000.00} was taken from my account via several unapproved transactions, and are denying the claim. My XXXX XXXX  account experienced the same fraudulent attacks, but they reimbursed me. 

This was my savings, and now I am left with nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was submitted Disputes letter regarding to those inaccurate and unknown accounts on my credit report. Over 30 Days now but I didn't received any response. I was a victim of XX/XX/XXXX Data Breach. I demand to Deleted those account ASAP or I will file a litigation.