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

In accordance with the fair credit Reporting Discover Account ending in XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed accounts reported with inaccuracy on each bureau. Theres XXXX lates reporting on 2 bureaus and XXXX late on the other. Theres over lapping time for it to be a XXXX or XXXX day late. These are student loans that were on a forbearance or government program repayment plans. ( meaning no payment required ) The accounts should have and had a history of reporting as paid on time. The consumer reporting agencies need to report all information with complete accuracy. The reporting agencies have mixed information on how many days a late payment took place and also when the lates took place. I have attached supporting screenshots of my credit reports that clearly show the inaccuracy amongst the 3 bureaus. 
These accounts have not been late. 
Im now requesting you to investigate and provide verifiable proof with records showing the accuracy as reported with each bureau. 
If this information can not be verified I demand these payments be updated to paid on time immediately. 

Please refer to compliance procedures- 15 u.s. code s 1681e section b Thank you for a timely response. As this is effecting my creditworthiness with a major purchase for my family.
Product: Credit card or prepaid card

I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX an auto finance company financed a vehicle in my name without my authority or knowledge in XXXX of XXXX. Though I have repeatedly indicated to the XXXX XXXX that this was a case of identity theft. They have continued to report to the credit agencies a charge off of XXXX. The entire amount of the loan. In XXXX of XXXX my name was added to the title weeks before the XXXX XXXX charged off this loan. I have gathered copies of the contract and other documents and they show that the signatures are computer generated, all exactly identical. There are some areas where a signature belonged but is not present. This puts act to have been between the dealership which sold the vehicle XXXXXXXX XXXX XXXXXXXX and the XXXX XXXX. I want immediate removal of this blight from my credit report and for XXXX to clearly follows the laws and due process I have as a victim of identity theft How it started Date fraud began : XX/XX/XXXX {$27000.00} I have no connection to XXXX AND NEVER bought a car through them the signatures were computer generated the vehilcle was the vehicle i leased through XXXX XXXX and turned in and two months later i get a bill for first month payment XXXX.i contacted them immediately told them it was a mistake identity thedft or some ething but it was not me 4 months later they charged the vehicle off in my name and its still there nearly 2 years later
Product: Credit reporting or other personal consumer reports

Today on XX/XX/2024 I checked my credit and sawfradulent accounts opened in my name. Please remove these accounts from my report. I neved applied for these accounts nor I used ny of these services listed below 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
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. XXXX XXXX**** Balance : {$2500.00} ; 2. XXXX XXXX**** Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

Name company     amount       date
           
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Jefferson capital  system 
                                   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

9. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I have contacted XXXX XXXX XXXX regarding accounts XXXX IN THE AMOUNT OF {$140.00} dated XX/XX/2018 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that validates I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or whom they represent. I am also a victim of identity theft and this account is a direct result of identity theft as i have never ever done any business with them. Not only that I have never heard from XXXX before they inserted this account into my file. I was never give my right to dispute and ask for validation. Please remove this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts you keep reporting on my credit was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this these accounts are not mine
Product: Debt collection

credence resource management continues to contact several times a week from different phone numbers leading to harassment. Such is illegal and does not need to take place. It is a form of bullying
Product: Mortgage

Several years ago my XXXX mortgage was transferred to Green Tree for servicing. I immediately called Green Tree to set up on-line payment of my monthly bill. Well, I was rudely informed that Green Tree does not accept on-line payments. The customer service person, referred me to a phone line that handles complaints about Green Tree. Can you imagine the number of complaints Green Tree receives, if they have a separate department that handle these matters for the company. 

This morning I received my SS payment on-line and immediately went on-line to pay XXXX Mortgage, XXXX XXXX Bank, XXXX XXXX, and XXXX Card. And I will mail my payment to Green Tree, because on-line payments do n't work with them.
Product: Mortgage

My mortgage was sold from Ditech to a company called, XXXX (? ). I was just notified on XX/XX/XXXX after calling Ditech with ongoing issues I have had with them. They said they sent me notice to my address and when I argued it, they said they sent the notification to an address I am not aware of. They said I or my ex husband made the change. I am the only one with access to the account due to it having a password. Now, I can't get any prior information. Including info of them charging my account money for things that didn't take place to emails I have sent about not getting my mail from them to them charging me money for things they didn't do. From XX/XX/XXXX to XX/XX/XXXX they charge my account {$30.00} a month. At first nobody knew why but it continued. Then they came up with, it was due to monthly drive bys. However, no reason why and they could only produce 2 receipts from early XX/XX/XXXX during a divorce that these drive bys were done. 
Also, I just recently found out of Ditech being sued and filing bankruptcy. 
I can not retrieve any of my documents due to sale date of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The late payment occurred in XXXX of XXXX during the nationally declared Covid-19 Emergency. I called in Target in XXXX and was initially told this would not be reported for 90 days and I would have additional time to make the payment. However, I recently found out that this was reported as a late payment/ deliquency on my credit report, even though I became current on the account very shortly thereafter in XX/XX/XXXX. I have also remained current on the account ever since. Furthermore, prior to XX/XX/XXXX, the account was current at all points in time. I have been a store card member with Target since XXXX of XXXX. I think it is egregiously unfair for Target to have reported this one late payment, resulting a drop in my credit score of XXXX XXXX This action by Target has caused significant financial harm to me -- adveresly affecting my ability to qualify for student loan refinance and also to qualify for leasing an apartment. Also, it is unfair for Target representatives to say now in XXXX XXXX XXXX that calling them via phone in XXXX to report my loss of employment and hardship was not sufficient for me to qualify for relief at the time. Other than calling them, I did not have the ability to reach them in writing at the time. I have a medical condition and it was too much of a hardship given the risk posed by Covid-19 to get out of my house and send a request in writing to them. They should have been able to honor my verbal request over the phone and allow the extra time for me to make the missing payment as they told me over the phone in XXXX. Again, I did ultimately make the payment in XXXX XXXX XXXX  and brought my account current, a status in which it has remained ever since, so it is egregiously unfair for them to have reported it as a late payment / deliquency on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letter to companies by the names of XXXX, XXXX, and Transunion, yet they have failed to respond to my dispute letters. I have not received any responses over the last 6 months.
Product: Bank account or service

I opened this CD account ( along with XXXX additional ) approximately 5 years ago. I now wish to close this account, but M & T Bank is making it impossible. When I opened this account I was adamant that I did not wish to have these accounts renewed automatically, I was told at the time I opened the accounts that it would be not be a problem and it would be noted on the account, this was not true. 
I sent my son to the bank on my behalf, I am XXXX years old with a XXXX XXXX and XXXX, and have XXXX. He was told at the branch that the power of attorney that he possessed was not valid and the institution would only accept their own power of attorney form. 
I feel that M & T Bank uses deceptive methods and is attempting to take advantage of a XXXX and veteran. 
I am attaching a copy of the power of attorney.
Product: Credit reporting or other personal consumer reports

Under the Fair Reporting Credit Act the loan from XXXX XXXX XXXX is Inaccurate and it is Violating my Federally Protected Consumer rights to privacy and confidentiality under 15 USC 1681. This needs to be removed from my credit in 30 days or less because its illegal. This is inaccurate and whenever a consumer reporting agency report a consumer it shall follow the reasonable procedures to assume maximum possible accuracy of the information concerning the individual. This here is NOT accurate!
Product: Consumer Loan

This is concerning Account number XXXX This is concerning Wells Fargo Dealer Services. They have added car insurance in an abusive way behind the back of the consumer, being myself, although vehicle insurance exists on the account. They sent a demand letter, even though the account is up to date. They added about {$3000.00} worth of insurance to protect the vehicle, a XXXX. There has never been a lapse of insurance and yesterday in a three way conversation with the bank and the insurance company this was proven. They are going to add insurance to the vehicle unjustly for the life of the loan. I want all those charges reversed, to include other predatory charges that they invented. There could be hundreds of thousands of consumer like myself, that are being taken advantage of. I want a complete audit of the account and charges removed and reversed. the employee that I spoke to the first time did not recognize the demand letter and did not know how to answer my questions.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year>XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of items will be attached. Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, transunion, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, transition, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, Transunion, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the opportunity to make this matter right by way of the following.REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION, I kindly urge the Consumer Financial Protection Bureau to investigate and facilitate the removal of these unauthorized inquiries, inaccurate personal information, late payments, and bankruptcy from my credit report. This action is crucial to restore the accuracy of my credit information and safeguard my financial standing. Equifax date breach settlement pending.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an collection account opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX, an collection account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX. A personal credit card account opened with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and, collections appearing on my consumer credit report maintained by you were not opened, made or initiated by me. all of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from US Federal Trade commission that all of the aforementioned accounts and, collections are fraudulent.
Product: Mortgage

On XX/XX/XXXX I applied for a mortgage loan with XXXX XXXX XXXX the lender was told my circumstances on XX/XX/XXXX2024 I have the text message proof that he was well aware an the documents were submitted I told him per first phone call I would like to use my retired grandfather as a co-signer because my employment is transitional and I receive survivors benefits he told me oh no XXXX you qualify with your own income its no need to use your grandfather income to qualify we went further into the loan process in which he stated I qualified for XXXX I found a home for XXXX in which I am still under contract but had XXXX settlement dates held up due to last minute discrimination and bias practices towards my minors age XXXX clearly states that per school year is paid to children in school and can last even after XXXX if the child is still enrolled in school an that mortgage lenders are suppose to go by this scenario in order to meet fair housing and credit opportunities to individuals such as myself! However I have been interrogated after I was told all my information was received and that I had to submit nothing else this company breached that email and started asking for grades my minor was currently in for me to submit her report card if I would still be her payee etcetera. This has caused me so much discouragement because of the barriers and illegal discriminatory practices lenders in banks will go through towards individuals who they believe can not pay the loan based off bias factual information! I am appalled at how I was given a disclosure that was submitted XXXX day before my closing date and did not match up to my loan estimate this occurred on XX/XX/XXXX24 my closing was delayed last min due to my daughters age I reached out to all team members and no one responded the loan processor finally responded and continued to say XXXX XXXX/XXXX/24! This has caused my family such distress as a single mom trying to attain homeownership this bank went to the highest extent of bias tactics to make it impossible for me to ever own a home! My child has XXXX  years of school left in which her first out of XXXX years have not even started yet per ssa website says lenders should use at least XXXX  years as if the benefit will last but due to age I was a target of bias misconduct and my loan that is under contract will end on XX/XX/XXXX24 my lock rate will also expire this is very sad that everyone who claimed they were apart of the loan team actually were not even available to be honest about my loan instead I was hanging on to lost hope because their biases towards me showed that my loan will soon be terminated due to my childs age which violates the equal opportunity rights and also the fair housing rights during lending process!
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a flaw in Experian 's website, I have had my account hacked - a hacker puts in my SSN and answers public questions about me- WITHOUT the use of a username, password, security pin, or security question. This has happened at least 4 times that I know of, and Experian hasn't done anything about it. 

Now, an investigative reporter has uncovered the flaw in Experian 's website in an article titled " Experian, You Have Some Explaining to Do '' that you can find here : XXXX XXXX XXXX I have also attached the article to this complaint. 

THIS IS A MASSIVE ISSUE, and it affects every single person over 18 years of age that has credit in the United States.
Product: Bank account or service

US Bank bumped up their overdraft fees on their checking accounts. At around the same time, they began marketing a US Bank Credit Card to customers to open so they can get a lower fee on any overdrafts if they were to occur. What a XXXX! You are bumping up the fees and then trying to get your customers to take out a line of credit they may not necessarily need. You need to stop using XXXX XXXX as your mentor.