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

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX
Product: Credit reporting or other personal consumer reports

In light of increasing concerns about data security breaches and unauthorized sales of personal information on the dark web, I demand assurance that my personal information is being handled securely. I request an immediate investigation into how my data is managed and shared, and I expect you to take steps to ensure its protection. 

Per the XXXX 's definition of your verification processXX/XX/XXXXis a web-based, METRO 2 COMPLIANT, automated system. '' I expect you to adhere strictly to these standards.
Product: Credit card or prepaid card

I called Bank of America to report the fraud. There is a charge of {$7.00} posted to my account on XX/XX/2021 with the description " XXXX XXXX XXXX NY ''. It is already pretty apparent that this is fraud, because if the newspaper subscription was from a company like XXXX or XXXX  XXXX, it would actually mention the name of the company in the description of the charge. Here, it just says XXXX XXXX XXXX  without mentioning the name of the newspaper. I tried calling the number given in the description, and what happens is that, for a split second, it looks as if someone picks up the phone, but then the call gets immediately hanged up. Bank of America told me that they were going to issue me a refund and send a new credit card, but I wanted to report this incident, because after making some XXXX searches, I saw that I was not the only one who was targeted! I saw some forum posts, where other people describe a similar issue. It also looks like they are pretty smart about who they are targeting : they seem to be targeting only people who actually have some sort of real newspaper subscription ; my guess is that they are hoping people would just not notice the charge on their account, or would notice but gloss over because they do have a real subscription after all. THIS LOOKS LIKE A SOPHISTICATED ATTACK. PLEASE DO GO AFTER THEM. PLEASE.
Product: Checking or savings account

XX/XX/2018 No Action was taken and this is not the first time. this has happen several times. I Don't Remember the Dates though sorry for that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA. XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to request the removal of a closed account that shows one late payment and is reported on my credit reports from XXXX and XXXX with one date, while Equifax shows a different date. This discrepancy raises concerns about the accuracy of the information in my credit reports. 

The details of the account are as follows : Account Name XXXX XXXX Account Number : XXXX My request is based on the following laws : Inaccuracy of Information : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information in my credit reports. The inconsistency in reporting dates suggests that the information may not be accurate. 

Responsibility to Report : According to 15 U.S. Code 1681s-2, creditors are required to report accurate information. If there are discrepancies in the dates reported by different agencies, this could indicate a failure to meet that obligation. 

Right to Deletion : Under the FCRA and other applicable laws, I may request the removal of information that does not accurately reflect the current status of an account. A late payment on a closed account, especially with inconsistent dates, may unjustly affect my credit history. 

Given these points, I kindly request that the CFPB investigate this matter and facilitate the removal of this account from my credit reports. It is essential for my credit history to reflect accurate and fair information. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

XXXX at PNC bank wouldn't underwrite my mortgage because I was on EAD while XXXX XXXX XXXX company took over my loan application and saw my home purchase to completion. 
Due to Interest rate hikes, my rate went from XXXX to XXXX because of the XXXX up by PNC bank. 
.
Product: Vehicle loan or lease

This dealership has violated my rights as a consumer! Not only they ran my credit 10 times, but they also got me to get Gap Ins which was for nothing ( XXXX XXXX XXXX the finance manager ), told me if anything is wrong with the vehicle to bring it into any dealership to get service & that it is a part of the vehicle purchase for the vehicle to be maintained free of charge & I can take the vehicle to any XXXX dealership & will be service for free, I Informed him I was moving to XXXX when I got to XXXX & called the same Dealership they informed me That I had no coverage that I would have to pay out of pocket to get the car service, He didnt explain the finance part to me section 15 U.S. Code 1605 - Determination of finance charge which states Insurance was supposed to be included in the vehicle purchase, Instead Got me to purchase Gap Ins XXXX Every time I would call to speak to XXXX XXXX XXXX leave a message I would not get a callback, In fact, I was being fwd to other reps @ the dealership for help which wasnt much & those people their phones are disconnected it's like only family & friends work @ that dealership, I got way overpriced also the advertisement was a fraud no cash was supposed to be taking @ all & this was before even signing the contract another violation!! The price they were advertising the car online that is not what the sales guy ( XXXX XXXX XXXX ) told me he made it seem as if he was taking away {$2000.00} on top of the vehicle price & giving me a deal when really he was ripping me off. I would like a Rescission & for everything I've paid for the car & monthly pmts and pain and suffering, Revoked my signature on all contracts for XXXX XXXX XXXX to repair my credit they destroyed I want everything tangible, and they also did not pay off my lien to the other vehicle company XXXX XXXX that I traded in my Vehicle within 10 days thats another violation, having my credit impacted more causing XXXX XXXX to report my account to the credit bureaus!! I want justice with this Dealership. This company has caused me stress because they ruined my credit scorXXXX, Wellls Fargo Auto Finance did not do anything they stated that they do not have the physical contract & that they will follow up I never heard from them until today XX/XX/2023 I want the truth of Affidavit, Cancel my contract!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX account ending in XXXX XXXXXXXX XXXX  XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX- account ending in XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX ) XXXX account ending in XXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXX XXXX- account ending in XXXX XXXX XXXXXXXX XXXX- account ending in XXXX XXXX - account ending in XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account with 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 conviction 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

On XXXX XXXX I reached out to innovis after filing a innovis dispute and sending verification of identity to have misleading information removed from my profile. I also requested that my telephone number be updated because that is the only way to access your Innovis credit report online. The representive gave me the incorrect telephone number on my account beginning in XXXX and then refused to remove it upon providing proof of my correct telephone number which is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX ( Auto ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXR ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Debt collection

USCB CORP Last reported XX/XX/year> Account Details Account type Other Loan Account status Open Balance {$1800.00} Monthly payment {$0.00} Interest rate 0.00 % Date opened XX/XX/year> ( XXXX mos ) looking for all proof of owning debt to this agency have yet to receive any information or correspondence
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 


Accounts : XXXX XXXX XXXX - {$3600.00} - Date Opened - XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX - {$620.00} - Date Opened - XXXX XXXX, XXXX XXXX XXXX XXXX- {$1700.00} - Date Opened - XXXX XXXX, XXXX XXXX  XXXX XXXX  - {$4000.00} - Date Opened - XXXX XXXX, XXXX XXXX  XXXX XXXX  - {$680.00} - Date Opened - XXXX XXXX XXXX Adresses : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX IL, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX XXXX XXXX XXXX CT, XXXX IL, XXXX XXXX XXXX XXXX XXXX, XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX IL, XXXX
Product: Debt collection

On XX/XX/XXXX I was called from IQ Data International. They asked me coud they collect n a debt on an recorded line and ask me if I could pay my debt of {$250.00}. I agreed on an automated line that if I paid the debt they would remove the debt from my credit report. I have a letter attached in writing where they agreed to remove it. I looked at my credit report today and they reported the debt as a charge off and did not remove it from my credit report. I called IQ International on XX/XX/XXXX because they are reporting my debt as a charge off when that was not what my agreement was. The rep on the phone said yes they agreed to it but it can take months to remove. My FCRA rights were violated and I want this account removed from XXXX, XXXX and XXXX immediately!
Product: Vehicle loan or lease

I am filing a formal complaint against TitleMax regarding their unfair and unlawful repossession practices. I obtained an auto title loan from TitleMax, and despite my efforts to resolve my account, my vehicle was repossessed without proper due process. My car is my primary residence, and losing it has caused significant hardship. 

In an attempt to resolve this issue, I sent a Notice of Right to Cure and Notice of Default to TitleMaxs CEO and legal department, but they failed to respond. Additionally, I submitted a Form 1099-C ( Cancellation of Debt ) to both TitleMax and the IRS to discharge the debt. By law, TitleMax was required to accept the 1099-C, yet they have refused to acknowledge or comply with this legal process.

TitleMaxs actions raise serious concerns regarding their repossession policies and compliance with federal consumer protection laws. Their failure to respond to legal notices, refusal to engage in good faith negotiations, and disregard for debt cancellation laws suggest potential violations that warrant investigation. I believe TitleMax is engaging in unfair and deceptive business practices by ignoring legally required communications and repossessing vehicles without providing consumers with adequate time or options to cure their defaults. 
I respectfully request that the CFPB investigate TitleMaxs repossession practices and their failure to honor the 1099-C debt discharge. Their refusal to acknowledge my attempts to resolve this matter has caused unnecessary financial and personal hardship, and I urge the CFPB to take appropriate action to hold them accountable. 

Thank you for your time and attention. I look forward to your response regarding this matter. 

Sincerely, XXXX account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XXXX, to dispute fraudulent/unrecognizable items I found on my credit report by mail, on XX/XX/XXXX, I got my dispute results saying that some of the items I disputed were deleted, today, on XX/XX/XXXX, around XXXX XXXX XXXX, I noticed that Experian had without my knowledge or permission unknowingly opened new disputes for some of the deleted items on my credit report, and claimed they were verified about 4 hours later. I tried to contact the company about it, the fraud department service lady on the phone line said that this was nothing and to disregard the opened disputes and the items should be deleted, so I did and went on about my day, and a few hours later I get an email notification saying the disputes were updated and the accounts were somehow validated. This is unacceptable, Experian is the only agency who claims to have verified the items. I have gotten no documentation from either Experian or from the original creditor that proves the items in fact belong to me, nor did I authorize them open a dispute on my behalf without my knowledge or permission. I have every right to believe this debt is not mine, and I have documented everything. Experian is also the only agency who didn't add a fraud alert on my credit file with my previous letter and also is reporting an address I have never lived in, misinformation on my credit file.
Product: Debt collection

I was contacted by Gurstel Law Firm, XXXX XXXX  XXXX XXXX XXXX XXXX, MN - about an old debt. It was a debt that was supposed to be paid by an employer, but alas it wasn't and was in my name. Regardless, I made a {$250.00} payment towards the roughly {$1000.00} debt. I was going to make monthly payments. 

I did't get a single additional piece of paper - and the agent claims that he called me multiple times ( I don't have any voicemails ). Notably I wasn't EVER notified in writing about the total amount due - or the amount they ending up taking from the account. OR that they were going to garnish the account - never a single piece of paper. How is that legal? 

Today I checked my bank account and they had taken over {$1000.00}. When I called the number the bank suggested the agent mentioned that despite the debt being just {$820.00} they take up to 10 % more to cover additional costs. 2 days before XXXX so there is no chance for me to get this handled or fixed before then. I am left with a sum total of {$27.00} in my checking and {$13.00} in my savings. 

How can this be OK when I had made a large payment to them and made intention to pay AND THEN call because my bank mentions that they can reverse it and you can make payments ( as I was originally intending ) and he said that they wouldn't do that unless I was on state assistance ( food stamps ) This has to be the most backwards, dishonest, misleading company. Not only is it NOT A LAW Firm - its debt collection firm, but they lie to you about the pretense of making payment. i would NEVER had made a payment to him had i known they would have stored hat information and then deducted it from the account later. I now have no money and if I wasn't going to be on state assistance - now I'm going to be - how the XXXX am I supposed to get to work and eat for the next two weeks - obviously making XXXX dinner is out, despite saving up for a month and a half.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is a public record showing on my Equifax and XXXX  credit profile detailing past Bankruptcy- XXXX for XXXX and XXXX. They were both dismissed, nonetheless they show up on my credit report. 

This is unsolicited data and it shouldn't be data-mined and sold to reporting agencies and subsequently end up on my credit report. In the past I have asked these Credit Bureaus to remove these items from my report. I have spoken to the clerk of the court in which I have filed and they ensured me that they don't report this information to credit bureaus and the only way that it could be obtained was through data mining.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX XXXX ACCT XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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: Debt collection

When I contacted the apartment complex that summited the debt, ( XXXX XXXX ) they had no record of my living there. They then directed me to call the main office, they also had no record of me living there. I've also contacted the collection agency ( rent recovery ) they said they have signatures and my social on file saying that I did live there. I have never lived in XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : RE XXXXXXXX XXXX XXXX I am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I was a victim of the Equifax Data Breach. At no time did I apply for any credit products from XXXX. This account and any inquiries associated with this account as a result from the identity theft should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block and remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : 1 ) Identity Theft Report Proof of identity 2 ) a copy of my drivers license/other government-issued identification card/other ] 3 ) Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Debt collection

The vehicle had {$1500.00} left on the loan and was subsequently sold upon reposecion. They are now charging my account over {$3000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Amount {$1800.00} Reported : XX/XX/year> Joint account with Ex Wife attempted to settled with the original company and was sold to this current company for more than I owed. 
XXXX XXXX XXXX {$5500.00} Worked out a payment agreement with original creditor due to financial hardship, account was sold to current creditor. 

XXXX XXXX XXXX : XXXX XXXX, 2024 I have no knowledge of this inquiry/unauthorized
Product: Mortgage

I contend that real time resolutions ( rtr ) illegally recorded an assignment of mortgage beyond the Florida statute of limitations. On XX/XX/XXXX, I received a transfer notice of this alleged debt from XXXX   XXXX XXXX. By their own admission, rtr recorded the assignment with the Clerk of the Circuit Court of XXXX XXXX XXXX on XX/XX/XXXX. After a consultation, it's determined that this action IS beyond the five year statute of limitations in the State of Florida. This includes both promissory notes and written contracts, as well as open-ended accounts. Therefore, I request that rtr vacate the lien and release both the lien and me from another further harassment. They never bothered to report any of this with any of the credit bureaus. The fact that the alleged debt never showed on any of my credit reports does make me suspicious. Their, rtr, latest statement indicates this account originated from XXXX XXXX XXXX. XXXX may have been the company, a few times removed, prior to XXXX XXXX XXXX. I request that rtr release the lien an me.