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

OF FRAUD. INQUIRES BELOW ARE UNAUTHORIZED ACCOUNTS IN A DATA BREACH. PLEASE DELETE BLOCK REMOVE FROM MY CREDIT REPORT. I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 
XXXX ; EQUIFAX ; XXXX ; I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 

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 XXXXXX/XX/XXXX EQUIFAX : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CLAIMS OF FRAUD. ACCOUNTS BELOW ARE UNAUTHORIZED ACCOUNTS IN A DATA BREACH. PLEASE DELETE BLOCK REMOVE FROM MY CREDIT REPORT. I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 
XXXX ; EQUIFAX ; XXXX ; I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 

ACCOUNTS : Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS INFORMATION IS TRUE TO BEST OF KNOWLEDGE.
Product: Student loan

Currently the Department of Education/NELNET is reporting to the XXXX major credit reporting agencies negative events of 120 day late related to my past account XXXX from XXXX XXXX. I subsequently filed bankruptcy chapter XXXX XXXX XXXX and included these loans in that proceeding. Pursuant to Chapter XXXX bankruptcy guidelines late reporting should cease at the time of filing. The Department of Education/NELNET continues to report this information after numerous disputes to all three of the CRA 's. After the conclusion of the chapter XXXX bankruptcy process and subsequent discharge the student loans have been refinanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report, and this is not filed by a 3rd party or Credit Repair Agency. I viewed my own reports and have found some errors that should not be on my reports. thanks for helping fix these. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1601, economic stabilization would be enhanced and competition amongst financial institutions would be strengthened by the informed use of credit. I am attempting to avoid the uninformed use of credit, and to protect my self, the consumer, against inaccurate and unfair credit billing and credit card practices.

Pursuant to 15 USC 1681, The banking system is dependent upon fair and accurate credit reporting. I have been discriminated against as a consumer, the natural person.

Pursuant to 12 CFR 1002.7, I applied for an extension of credit through XXXX XXXX  and XXXXXXXX XXXX in good faith and was denied. XXXX XXXX and XXXX XXXX accepted my credit card ( social security # ) initially during the application process but I received no benefit for this consumer credit transaction. It is unlawful for a creditor to discriminate against any applicant with respect to any aspect of a consumer credit transaction done in good faith. I can not find where it is lawful to be denied for the reasons that were provided to me in the adverse action letter. 

Pursuant to 15 USC 1681b ( a ) ( 2 ) XXXX XXXX XXXX XXXX XXXX determined my creditworthiness via a third party affiliate, XXXX. XXXX XXXX  which I did not give written instructions to give reports on me. Further, this consumer reporting agency has never contacted me so this constitutes identity theft ( unauthorized use of credit card ) considering the fact I, the consumer, have never spoken to XXXX XXXX XXXX personally. 

Pursuant to 15 USC 1681b ( c ) ( 1 ) ( A ) and 15 USC 1681b ( c ) ( 1 ) ( B ) ( ii ), Whatever has been reported on my behalf to XXXX XXXX XXXX XXXX XXXX  was never authorized by me, the consumer. Furthermore, XXXX. XXXX XXXX is not compliant with 15 USC 1681b ( c ) ( 2 ) ( e ).

Pursuant to 15 USC 1611, XXXX XXXXXXXX XXXX XXXX XXXX  has willfully and knowingly furnished me false and inaccurate information in regards to this extension of consumer credit. I know I am the original creditor and it is a right GRANTED to me and shall not be denied.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding an inaccurate collection account falsely listed on my credit report. These accounts, originating from XXXX XXXX XXXX, XXXX XXXX XXXX and Portfolio Recovery Associates are unauthorized and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract. 

Specifically, these account violate : Privity of Contract : I have never entered into any contract or agreement with XXXX XXXX XXXX, XXXX XXXX or Portfolio Recovery Associates and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate. 

FCRA Section 615 ( a ) ( 1 ) : XXXX XXXX 's, XXXX XXXX XXXX 's and Portfolio Recovery Associate 's obligation not to furnish inaccurate information to credit reporting agencies. 
FCRA Section 621 : XXXX XXXX XXXX, XXXX XXXX 's and Portfolio Recover Associates potential liability for failing to comply with the FCRA, including actual damages and a penalty of $ XXXX {$1000.00}. 
Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts.

Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud. 

I have never had any dealings with XXXX XXXX XXXX, XXXX XXXX or Portfolio Recovery and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract. 

I demand the immediate : Investigation of this matter by the CFPB. 
Removal of the inaccurate collection account from my credit report by XXXX XXXX XXXX, XXXX XXXX and Portfolio Recovery Associates. 
Compensation for my time and effort spent disputing this illegal account. 
Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered. 

Thank you for your prompt and serious attention to this critical matter. 

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

Synchrony Bank PayPal XXXX is incorrectly reporting an account that was included in a bankruptcy proceeding. They are reporting this account as open and with 2 late payments. This information must be deleted, it is completely incorrect. I have an ongoing dispute about this account with XXXX, but it is coming back verified by Synchrony. This error must be corrected immediately.
Product: Credit card

I'm sending this email in hopes of something but not expecting anything. 
I was wronged by multiple companies and want it shared because I believe XXXX XXXX is XXXX of few people actually interested in protecting people. 

In XXXX, I bought a {$980.00} ticket to XXXX for XXXX so I could accompany my XXXX  grandma and XXXX aunt back to the US ( after my mom accompanied them to XXXX for a few weeks ). When I checked in the night before for my flight, I was 'waitlisted '. After making many calls with XXXX XXXX, I was told this meant I was not guaranteed a seat on the flight. Given my reason for going to XXXX was to assist my family, I couldn't risk not having a seat and therefore not getting there, so I bought a whole new set of flights. I was told my original ticket was non-refundable - I argue, I didn't know that 'waitlisting ' was a thing and didn't buy that protection because to me, it's an unheard of thing. 

As soon as I passed through security, I submitted a dispute with my credit card company because I felt I was owed reimbursement given the circumstances. After I checked in to my second flight, and was waiting in the terminal for hours, I chose to go to the desk for my original XXXX XXXX flight to ask what happened, and if this was common. The woman at the desk printed me a boarding pass and I elected to get on that flight because it was so far superior logistically than my back-up flight. The second flight was also non-refundable given the urgency in which I bought it. 

Once in XXXX, I couldn't risk the same stress given that I was traveling specifically to accompany my family so I chose to stick with my alternative flight, rather than pursue the original flight. 

Yesterday, I got a call from my credit card company ( Chase Sapphire / Visa ) saying that my charges would be re-billed because ultimately the services were available to me. There is no recognition of the unnecessary stress and XXXX, as well as cost, to rectify this situation. It is not right to me that a company could 'waitlist ' a seat on a flight that I paid for. I understand standby, but this wasn't that. It's not right, and just because I'm fortunate and in a position to buy alternatives should not mean that I sacrifice {$980.00} because of this greed and incompetence from XXXX XXXX. 

Again, I don't expect anything here, but if this is an acceptable behavior from an airline, what's to prevent every company from taking your money, risking the service/product, and then not having to reimburse you?
Product: Debt collection

Stephen Bruce and XXXX  XXXX, Ok. ( XXXX ) XXXX on behalf of XXXXXXXX XXXX illegally removed funds from XXXX protected under law Social Security XXXX and Veterans XXXX in the amount of {$1900.00}! I have statements from both accounts that prove that and the Judge refused to look at these statements! 
I have my XXXX  deposited into XXXX acct. and my VA money deposits into a XXXX account! The court for some reason didnt know about mypaypal account? So when I transfer funds from XXXX to XXXX it doesnt show as treasury money! It just shows up as a transfer! Therefore XXXX assumes the money elsewhere, I dont know what they assumed but they allowed the illegal garnishment!
Product: Credit card

This is a business credit card where I had to sign personally to get the card for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The revenue entity under the XXXX XXXX holding company filed for bankruptcy and is currently in bankruptcy since XX/XX/XXXX. The amount due on the card is {$43000.00} and for the last several months they have been calling me personally and my family to include my mother in law, mother, sister in law, wife, brother and daughter many times. The card was for the company I worked for and not a personal card. ALL of these cards require the president or some C level to cosign to get the card, however, on all these cards, the application will not even submit if you do not fill in that field on the application, therefore, AMEX is coming after me personally and I have no money. Sent to XXXX XXXX  XXXX XX/XX/XXXX. this is when the harassment started even after they were presented with documents stating the bankruptcy filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information needs to be investigated I respectfully request to be provided proof of this alleged items, the contract note or other instrument bearing my signiture. failing that the item must be deleted from the report as soon as possible i did not authorize anyone to use my name or personal information to obtain funds credit loans goods or services or any other purpose as described in my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

22 hard inquires on my credit report, i did not look for these multiple online inquires. 
all these are too much on my credit report. also i only have one open account it is showing multiple open accounts and i have paid everything in collections.
Product: Debt collection

XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA, XXXX Re : Request for Reinvestigation and Removal of Inaccurate Information Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally request a reinvestigation of the collection account reported on my credit file, as listed above, by PROCOLLECT , INC . I have reviewed my credit report, which was generated on XX/XX/XXXX, and I am disputing the accuracy and completeness of the information pertaining to this account. 

Specifically, I request that you : Verify the accuracy and completeness of the account details. 

Confirm that this debt and its reporting comply with all applicable laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Delete or correct the information if any errors or discrepancies are found during your reinvestigation. 

Attached to this letter, you will find a copy of my credit report, which highlights the account in question, as well as any other relevant documentation to support my dispute. 

Under the Fair Credit Reporting Act, you are required to reinvestigate my claim and either verify the accuracy of the disputed information or delete it from my credit file within 30 days of receiving this request. Please notify me in writing of the results of your investigation and provide an updated copy of my credit report once the necessary corrections or deletions have been made. 

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

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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my files coming about because of the wrongdoing. The items 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

a check cashing service company used by XXXX XXXX declined my check i asked why was told it was not for insufficient funds it was based on risk factors we had a insufficient check a while back that was paid in full right away yet are check writing history was deleted out of the system we have no problems any where else and we can not get a reasonable answer from XXXX
Product: Mortgage

Roundpoint Mortgage Services who services my VA loan has cashed my insurance payment from hail damage in XXXX 2015. They, the Loss Draft department specifically, said initially they were waiting for the XXXX of the XXXX which was submitted with the proposal ( bid/quote ) for services. They said they did not receive the proposal that was also an attachment in the same email. I have since resent it XXXX additional times. They continue to claim they have not received it although, each time, I receive an automated acceptance response from their email system. It is XXXX degrees here in XXXX and they 're preventing me from having a working air condition on a home for which I pay am paying over XXXX dollars for plus interest. In addition, they 're sending me letters saying I am not in compliance with their insurance claim policies because I have not requested a final inspection for the very work they are preventing from being done. Lastly, their phone system does not work properly and when you call it asks three times if you want to leave a message, if you choose not to, it then forces you to or hangs up but no one has returned a single call yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX Account Number : XXXX
Product: Mortgage

On XX/XX/2023 I made a payment online to Selective Portfolio Servicing ( SPS ) of {$1600.00}.

During the payment processing I checked the box that assigned that payment to the " Accumulated Fees '' balance rather than " Regular Payment ''. That balance at that time was {$1600.00} so the payment was deliberately and specifically made to payoff that Accumulated Fee balance in order to apply for refinancing with another lender. 

By selecting the payment be applied to fees should have had the same effect as writing " For Accumulated Fees Only '' in the memo of a check, which is analogous to the XXXX Draft payment I was authorizing. 

Following their internal " policy '', SPS did not apply the payment as instructed but to a regular payment instead, now leaving me with having to pay those accumulated fees a XXXX time in order to move forward with the refinancing. 

Attached are a PDF receipt for the original payment to SPS, and a screenshot showing their XXXX XXXX and how one selects where the payment is applied.