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

Upon reviewing my credit reports I determined that there are some accounts that are reporting that should not be reporting.. 
I am asking for a Notice to receive the three disclosure forms of the account agreements ..The accounts I am requesting the three disclosure forms are for 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 XXXXXXXX. Please send over all disclosure forms when these accounts were opened.. The first disclosure form should state that my non public personal information may be sent to a third party, the next disclosure form should stating I have the right to opt out of having my non public personal information sent to a third party and lastly the disclosure form showing me exactly how I can exercise that right to opting out.. Pursuant to 15USC 6802 b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
If these specific documents are not provided according to the GRAMM LEACH BLILEY ACT 15 USC 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. My rights have been violated greatlyAnd the original contract I entered in with these companies Have been very much misleading and deceptive.. Moreover if you fail to honor my request and discriminate against me for exercising my rights that will be another clear violation of the Law 15 USC 1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.

If fraudulent activity has taken place in the above mentioned accounts please discharge the accounts Thank You XXXX XXXX Also there are many inquiries that need to be removed from my credit reports because I did not give permission for these mentioned companies below permission to run my credit.. 
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: Credit card or prepaid card

Purchase made from Ashley Furniture ; particular furniture was to be back ordered XXXX months. To date ( approx 1 year ) furniture has not been received and an amount of XXXX had been held on my account. Calling Synchrony Bank has not helped and they have told me it will take 90 days to dispute and that they have no history of this transaction.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts and inquiries from my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request that compromised information be removed to protect my identity and credit standing. 
Accounts to Block and Delete 1. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$140.00} XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$430.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Inquiries to Block and Delete XXXX. XXXXXXXX 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 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: Credit reporting or other personal consumer reports

I recently submitted a dispute because Im deeply concerned about an account on my credit report that appears to be inaccurate and incomplete. Its clear that a proper investigation wasnt done, and the incorrect information is still being reported. This situation is causing me immense stress, and Im feeling completely overwhelmed. 

Please, I need your helpI dont know what else to do, and its really affecting my well-being. Also, I want to make it clear that I am personally submitting this dispute, not a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress has made it clear that Transunion has assumed a vital role in consumer reporting, and I have never given this company permission to do this. Transunion does not have my permission nor does Transunion have my consent. Transunion has not exercised their GRAVE responsibility and have been unfair and partial and have not respected my right to privacy. I have already made a CFPB complaint and attorney general complaint. I have never constructed Transunion to furnish a report or create a report and have never consented to any report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 someone try to open an account with XXXX and PENTAGON FCU-XXXX TWO HARD INQUIRY
Product: Credit reporting or other personal consumer reports

XXXX Account number : XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX Experian : XX/XX/XXXX, XX/XX/XXXX 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX, never sent the periodic statement along with the disclosures from section 1637 ( 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. 
a systematic error ol cessing my paymer s was clearly a billin company and is not ment experience wi le 1681eb. This ern racter This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting

I attached a file ( bankruptcy ) and the ADDRESS on the file DOES N'T MATCH with my address. They have to remove it. I have never lived at that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 an alleged fraud or extortion. 
XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XXXX Reference 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Collection XXXX XXXX - Collection XXXX XXXX XXXX - Collection XXXX XXXX XXXX XXXX - Collection XXXX XXXX - Collection XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Absolute Resolutions filed a petition to collect a debt. My attorneys responded with answers, initial discovery, and written discovery in the court in the first quarter of XXXX. This was followed by aMotion for No-evidence summary judgment against Absolute Resolutionson the grounds that they failed to turn over any evidence in court to verify the debt and any ownership of it. On XX/XX/XXXX, the Court ordered a non-suit against Absolute Resolutions granting the motion for no-evidence summary judgment.They are in violation of credit reporting on this debt and through the court order are barred from bringing evidence into the court. 

Documents supporting these claims are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$7500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan pal will not remove my info from my credit report. This is my wife only account. 

I never gave loanpal my consent. As you can see these loan documents do not match.
Product: Credit reporting or other personal consumer reports

Hello, this marks the XXXX  letter I've received from Clarity. I previously sent them a dispute letter, highlighting XXXX  inaccuracies with clear instructions on how to address them, along with relevant identifying documents proving my identity as the initiator of the dispute. However, instead of addressing the issues, they've resorted to another delaying tactic. They're asking me to resend information about what I want disputed, despite having all the necessary details already. This appears to be yet another attempt to stall me from rectifying these inaccuracies in my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting the mortgage as an individual account. The account is joint with my ex husband, I am not a veteran. He received the house in the divorce and is not making the payments. It appears that the house is only in my name and I am not a veteran, so there is no way I can get a VA loan. I have disputed this and Bank of America will not listen. This is not on my ex credit at all. This has stopped from being able to get anything because no one believes anyone else is on the account. Bank of America is breaking reporting laws and I'm requesting this is deleted from my credit report. My ex has filed bankruptcy so my mortgage company says this other mortgage should not be reported at all. So they don't report the house I live in and pay the payments on time. So this one that shows only in my name not being paid on time looks doubly bad.
Product: Credit card

American Express is claiming I owe them for a card. They have reported this on my credit report. I have never opened, or requested a card to be opened with them. The have not provided me anything with my signature showing i requested a card, they have not provided any proof showing where this card we deliveredd to, nor have they provided anything showing who signed for the card. they refuse to remove the reporting from my credit report. and XXXX and XXXX refuse to remove it. claiming it was verified. this is impossible As I did not open any account with American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, I have been contesting fraudulent information on my credit report. I've been waiting for your response, but nothing has come through as of yet. The unverified items stated below continue to report on my credit report in violation of federal law notwithstanding the prior written request. Despite my best efforts to resolve the issue directly with the creditor, the credit bureaus continued to report unsubstantiated information in violation of the Fair Credit Reporting Act, 15 USC sections 1681i, and did so with intentional XXXX and in violation of federal laws. I want this information to be checked for appropriateness, accuracy, and completeness. Please give me a prompt answer describing the actions you will take to remedy this issue. I shall be forced to utilize my legal rights and take legal action if I don't hear back. Please take the following things away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED 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

XXXX put a fraudulent credit card inquiry on my credit file, its not mine and its damages my credit score. On XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

Please do not close this dispute as I do not accept the response To ensure that the non-creditor report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. 
In addition please provide the contract signed between XXXX XXXX XXXX XXXX The KornerStone Credit notarized and sworn under penalty and perjury for XXXX XXXX XXXX ability to collect this alleged debt.
Product: Credit card

I am writing this letter in response to the derogatory reporting applied to my credit bureau report in XX/XX/2023 I am requesting this derogatory reporting be removed from my credit report for the following reasons. 

1. I did not receive any notice of the annual fee imposed on my account for this year. If I did get statements mailed, I have not seen them.

2. I have never been late on any credit account I have, including my other Barclays account. I have my payments on time every month more than 15 years.

3. The card number ending in XX/XX/2023 has not been used in many years. It has carried a XXXX balance for at least 4 years. 

The moment I came home and saw the letter from Barclays dated XX/XX/2023, I called and made payment immediately. I would never jeopardize my credit, especially for an annual fee. My credit scores and reports are my lifeline. The confirmation for payment is XXXX I understand the importance of accurate credit reporting and would have never let this bill pass had I seen the statement. If you review my credit reports you will see that all of my credit cards and accounts are in good standing.
Product: Mortgage

In XX/XX/XXXX I purchased my home via a conventional loan with an escrow that included a homeowner 's insurance policy with XXXX XXXX XXXX XXXX XXXX Texas at a yearly {$1400.00} premium at closing. Back in XXXX, the premium increased {$900.00} ( {$2300.00} ) and in XXXX it increased to {$2400.00} without any claims filed, causing an escrow shortage of {$300.00} in XXXX and {$740.00} in XXXX -- altogether {$100.00} increase in monthly mortgage payment. I just discovered online that this company is in XXXX. There was no notice that this insurance company was in liquidation. As a homeowner, I can not manage another unjustified increase in premium and am not able to find another homeowner 's policy that is comparable to my initial {$1400.00} premium. I am not sure what is going on and need assistance. Wells Fargo is the mortgage lender.
Product: Debt collection

On or around XX/XX/20 I recieved a letter from National Service Bureau , INC . Demanding a payment of {$13000.00}. This demand states that the lost to their client was in the form of an auto accident which supposedly occurred onXX/XX/XXXX. It names me and my wife but we were never in any accident on that date. The letter further states that if we dont respond in 5 days they would bring to have our drivers licenses and car registration suspended.
Product: Mortgage

My realtor and I started working on a short sale and when we called initially they told us there was no auction date and to submit all necessary docs. All of a sudden an Auction date was set for XXXX XXXX and we were not notified, instead they kept asking for more and more updated documents. We submitted a complete package with a willing and able buyer willing to negotiate and they declined our file and stated that the lender denied the offer and was proceeding with the auction. We are in belief that this is not being handled property and that there has to be an opportunity to continue with a short sale since we were told we could. I believe that I am being discriminated against and not being given the assistance/options that the lender has offered. Auction is set for XXXX/XXXX/15 and looking to postpone so that our file can be reviwed.
Product: Mortgage

I applied for mortgage assistance with Specialized Loan Servicing ( SLS ) in XXXX, XXXX, and XX/XX/XXXX. I was instructed by SLS representative to apply for a short sale as that was my only assistance option available. I was instructed to apply each month until I obtained a purchase offer on my home to be evaluated and approved. I followed instructions as directed. I submitted an assistance application in XXXX, which was approved by SLS. I was told I would have the necessary time of 90 days to obtain a ratified purchase order. I was also instructed to continue to apply to make sure my status of short sale approval with SLS continued to be active. I did just that submitting two additional applications in XXXX and in XX/XX/XXXX. SLS states they received my application in XXXX ; however, they ignored the application and stated they did not receive the XX/XX/XXXX application. 
On XX/XX/XXXX, SLS wrongfully closed my short sale application and immediately placed a sale date on my file. I followed the instructions and directions of the SLS representative and now I am being penalized and being forced into a foreclosure sale. 
My understanding is that my file would continue to stay open for 90 days as I attempted to get a contract on my home. I sent a new application for a short sale on XXXX which was ignored and an additional application on XX/XX/XXXX to make sure the application stayed open. On XXXX I was able to ratify a purchase contract to have my home purchased. This information was sent to SLS with the required information needed to complete short sale approval and this was denied! 
SLS is wrongfully forcing me into a foreclosure sale, denying me the right to sell my home and avoid a foreclosure.
Product: Credit reporting or other personal consumer reports

Requested a copy of credit report several times and was given a website that did not work at all.