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

This account called Portfolio Recovery Associates XXXX XXXX XXXX XXXX VA XXXX : XXXX Account # XXXX should removed from my credit report. I'm not legally responsible for this account and I do not recognize this account. I called the credit bureaus the other day try to remove this account of my credit report. I'm going to upload my Massachusetts ID card and Social Security card to try to verify my identity and prove that this account should be deleted from my credit report.
Product: Credit card or prepaid card

Synchrony Bank refused to return {$17.00} claiming that they recently refunded late fees. 
The recently refunded fees were THEIR FAULT - I even had to go through CFPB to fix my credit history because Synchrony Bank reported the account as delinquent to credit bureaus, even though it was THEIR FAULT for accumulating charges on my credit card because they forgot to take care of some charges. 

Moreover it is absolutely ridiculous that Synchrony Bank is allowed to charge {$17.00} fee on a {$17.00} purchase.
Product: Debt collection

I am writing in regards to my now closed, Paid in Full, purchased by Portfolio Recovery Associates from XXXX XXXX XXXX XXXX. 
Portfolio Recovery sued me over this debt but the case was dismissed without prejudice and I was advised by portfolio Recovery Associates that the account will be deleted off my credit reports. 

Upon speaking with several supervisors at Portfolio Recovery, I was informed that while it is practice to update the credit reports as " Paid '', I was also informed that if I chose to dispute the account once paid for a removal from my credit file, " Portfolio Recovery would not fight me on this ''. I have received conflicting information from several different representatives, and due to this and the extenuating circumstances that caused the initial delinquency -- and the fact that I resolved this account in full and amicably -- I am requesting a complete deletion of this account from my XXXX credit reports : XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) Treatment of inaccurate or unverifiable information  ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. 

I asked the bureaus to provide the following concerning an account they are reporting XXXX original contract XXXX disclosure XXXX rate disclosure XXXX history XXXX history XXXX insurance XXXX off date ACCOUNT I REQUESTED THIS FOR : XXXX XXXX. UNVERIFIED I requested these in XXXX of 2023. It is now XXXX. 
They have failed to follow the laws that govern reporting by refusing to delete the account due to the inaccuracy of the past due status and the last date of activity as well as failing to provide by law what I requested.
Product: Mortgage

Our mortgage was transferred to Mr. Cooper / Nationstar back in XX/XX/XXXX with out first payment made on XX/XX/XXXX. Payment was taken out of our account via bill pay from the bank XXXX XXXX in the amount of {$3300.00}. The Bill Pay Confirmation is # XXXX. 

In XX/XX/XXXX, I was notified by mail that we were a month late on our mortgage, so I immediately called and the customer service representative said that I sent it to Nationstar, but to a different department. He would put in a request to recover the payment and apply it to our account. If he had any trouble with that, we would hear from in a couple weeks. 

I never heard from them again and continued making payments each month. Each outlined below. 

XX/XX/XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE NEW,  {$3100.00} Conf. # XXXX XX/XX/XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE NEW, {$3100.00} Conf # XXXX XX/XX/XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE NEW,  {$3100.00} Conf # XXXX XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE, {$3300.00} Conf # XXXX This week, I received a phone call from Mr. Cooper / Nationstar saying we were late on our mortgage and the customer service representative said it was the XX/XX/XXXX Payment we were missing. I then recounted the same issue that I discussed with the representative in XX/XX/XXXXand this representative gave me an email address where I sent all of my documents and proof of payment. It's going on 4 days now and I haven't heard anything from this company. I have never been late on a mortgage payment and need this resolved. I feel like I'm being taken advantage of for an additional payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to Equifax who fails to thoroughly investigate and delete these fraudulent accounts. I sent police reports stating that these accounts are not mine. 

The following accounts need to be deleted within four days. My rights have been violated by Equifax and I will be filing lawsuit against Equifax. 

1. XXXX XXXX Acct # XXXX 2. XXXX Acct # : XXXX 3. XXXX XXXX XXXX XXXX Acct # : XXXX 4. XXXX XXXX XXXX   Acct # : XXXX 5. XXXX XXXX Acct # : XXXX
Product: Mortgage

MY MORTGAGE LOAN HAS HAD XXXX DIFFERENT SERVICERS IN ABOUT A ONE MONTH TIME FRAME. BECAUSE OF THIS, SERIOUS ERRORS WERE MADE WITH MY REQUEST FOR MORTGAGE ASSISTANCE. I HAD INITIALLY APPLIED FOR MORTGAGE ASSISTANCE WHEN MY SERVICER WAS XXXX. MY FILE WAS IN REVIEW. ON XXXX/XXXX/2015 MY LOAN WAS TRANSFERRED TO XXXX XXXX. XXXX DID NOT TRANSFER MY MORTGAGE ASSISTANCE DOCUMENTS. A FEW DAYS LATER, MY LOAN WAS TRANSFERRED AGAIN TO BSI FINANCIAL. ONCE AGAIN MY MORTGAGE ASSISTANCE DOCUMENTS WERE NOT TRANSFERRED. BSI FINANCIAL WAS INFORMED THAT THERE WAS A COMPLETED PACKAGE FOR MORTGAGE ASSISTANCE. BSI PREFERS TO IGNORE THIS FACT. NO DECISION WAS MADE ON MY REQUEST FOR ASSISTANCE. IF MY REQUEST WAS DENIED, I WAS NOT PROVIDED A 30 DAY RIGHT TO APPEAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete all of the listed unauthorized inquiries from my credit report immediately due to its impact on my credit. Did not authorize verbally, in writing or initialed. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Toys R Us charge account XX/XX/XXXX and paid the account in full in XX/XX/XXXX. However, I was informed this account was delinquent so I began investigating it and found Synchrony Bank omitted several payments and continued to add bogus late fees and penalties without ever sending me any notices. You can readily see the credit limit was {$200.00} but the balance rapidly escalated to over {$400.00} which is impossible. 

Synchrony Bank has a widely known reputation of omitting payments and " fee stacking '' where they add late fees and penalties. 

This negative account has been falsely reported to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. I sent a dispute letter along with a FTC report to Experian, explaining that I had fraud accounts on my report, and they needed to be removed. The certified letter ( tracking # XXXX ) via USPS. I followed up about 2 weeks later, to find out that the dispute was not even in the record with Experian. The customer service rep explained they had no record of any dispute. The fraudulent accounts still remain on my credit report. On XX/XX/2020, I went ahead and sent out the same letter & FTC Identity Theft report to Experian. The certified letter ( tracking # XXXX ) via USPS. I called Experian on XX/XX/2020, XXXX with Experian Dispute Department verified my information through identity verification questions. XXXX with customer service stated I needed to be transferred again to the special assistance center with Experian. I went through this twice, and when I am transferred, the IVR asks me to leave a voicemail, and just hangs up my call. I have been working to resolve this for months now, and I can not get anywhere with Experian. I have sent the letter & FTC identity theft report twice now, and still don't get any responses. 

I am attaching the dispute letter & FTC identity theft report that I have already sent twice. 

Additionally, I have a free basic online Experian membership, I do not have the ability to dispute my file online, I would like the ability to dispute online. No customer service member with Experian is able to assist me with that. 

I am attaching the error message I get when trying to dispute online. This is NOT a technical error on my side, as I have tried on every browser and 7 different types of computers/phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX Open Date XX/XX/2005 Balance : {$25000.00}. In 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

XXXX Opened XX/XX/XXXX Updated XX/XX/XXXX XXXX XXXX   Opened XX/XX/XXXX Updated XX/XX/XXXX I have tried to contact both of these companies in reference to fraud. I have never opened or used either of these accounts. When speaking with Customer Service, she updated my personal information that I used to verify who I was. The crediting report agencies will not remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected privacy, and confidentiality under the 15 USC 1681. 
XXXX 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, 15 USC 1681 section 602 A states I have the right to privacy.

15 USC section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information, or any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681S-2 ( A ) ( 1 ) states 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 innaccurate.
Product: Credit reporting

I applied for a XXXX credit card. According to XXXX XXXX the date was XXXX/XXXX/XXXX. I knew that I had paid the credit card off, but the Credit Bureaus had it listed on my Credit Report as not paid for over six years. I continually requested that debt be investigated and validated. The Credit Bureaus would confirm the date was legitimate and would post a new date in alliance with the request for validation. On XXXX/XXXX/XXXX after writing the Bank directly to ask for validation, it was discovered that no balance was owed at all. The bank stated that it would address the issue to the credit bureaus and to allow 45 days for a resolve. The bank apologized for it 's six year error but that apology will not put all the money I had to paid in higher insurance, mortgage fee 's, denial of credit, reviews of my credit report, the embarrassment and damage I have suffered because of both the Bank and the Credit Bureau. I ask the Credit Bureau over and over again to remove the information and I know that it was done on purpose all these years to keep me paying higher prices for loans. I want the Credit Bureaus and the Bank to pay me back for defamation of character, giving false information to numerous of business, and blocking me from receiving a housing loan. I want an Lawyer that will fight on my behalf for a change. If there are any that you could recommend, I would appreciate it.
Product: Mortgage

My loan was processed at an outrageous interest rate. when everyone else was at the prime rate of 2.5 %. Also they are trying to include my son 's property on my loan. I have instructed them over and over that the lot next to me is not my property. My case is similar to the " XXXX vs Bank of America ''. I was included in this lawsuite and Bank of America gave me {$12.00} but never corrected the problem. I am paying property taxes in my loan for property that is not mine and they refuse to correct this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX at XXXX which leaked my personal information which requires XXXX XXXX XXXX from today for the next seven years. Also, remove all old addresses and telephone numbers
Product: Debt collection

On or about early XXXX, Apex contacted me with regard to a debt alleged to have been owed. Exercising my rights under FDCPA I requested VALIDATION in a letter issued to them on or about XX/XX/2022. In that letter I also explicitly told them to cease any and all contact with me other than via mail. On or about early XXXX, they responded with information that a ) did not satisfy validation demand, and b ) made clear that personal medical records had been transferred to their possession a violation of HIPAA. I responded noting the violations, potential for fines of {$50000.00} per incident under HIPAA and demanded they cease contact. 
While the above was transpiring I continued to receive - and still to date receive - phone calls from one of their representatives, a " XXXX XXXX '', no doubt an alias, requesting contact. 
I explicitly in writing via traceable USPS delivery instructed them to cease contact with me via phone. In the XXXX letter, I explicitly told them to cease contact entirely. If they contact me again about this alleged debt that they did not remotely validate under the law, I will be filing suit and seeking damages for each and every phone call made in violation of my rights under FDCPA
Product: Debt collection

XXXX has sent me over XXXX emails since XXXX  regarding a debt that I have asked them to send information to my address on file and validate the debt is mine by providing a signed contract etc. They only validated the debt via email and continue to send emails to collect the debt.
Product: Checking or savings account

I had requested a loan from XXXX XXXX for moving expenses in the amount of {$4000.00}. I spoke with XXXX XXXX who identified himself an employee of XXXX XXXX. After a series of questions, he stated my loan request had been approved, however the subject, XXXX XXXX XXXX XXXX ) XXXX or ( XXXX ) XXXX, stated he would first put {$2000.00} into my account to boost my credit score, but I would need to return the money. He sent me a barcode and at XXXX I returned the money, since it was not mine and it was not the {$4000.00}. The following day ( XX/XX/year> ) I noticed XXXX checks deposited into my account, totally {$3900.00}. XXXX XXXX XXXX said I must return the {$3900.00} before he will deposit the {$4000.00} loan into my bank account. Although I had suspicions since the ordeal started, on XX/XX/year>, ( the day before XXXX ) using my debit card I paid for my vehicle registration, and a truck payment, however in the process of paying my car payment the person told me my card was fraudulent and to surrender it. On XXXX XXXX ( XX/XX/year> ), I went to the bank ATM and my debit card got gobbled up, and a receipt cited a XXXX balance. On XXXX  ( XX/XX/year> ) at the bank, I was told my account was frozen, and that I could not withdraw any money, including from my social security check which had been deposited XX/XX/year>, as well as a check from my XXXX employer. On XX/XX/year>, my social security check was given to me in cash, however I was told my XXXX check ( {$1800.00} ) was going to kept by the bank, and that I owe {$970.00} more due to being the victim of fraud ( that was not their words ). Today, I called my bank ( BMO ) and was told the investigation of the fraud is still open, yet the person I spoke with, XXXX ( XXXX ) would not provide me her surname, or talk with anyone else. I was the victim of fraudulent twice, first by a scammer, then my bank. I simply want {$2800.00} put back into my account.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MA XXXX Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I have recently pulled my credit report and notice their is a collection listing from your agency i have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and you ability to collect this money from me. I ask that you prove that I am indeed the party who is a contractually bound to pay off this debit or stop collection activity, Pursuant of suing and remove all together. 

Please attach the copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
complete payment history on this account, to prove that amount you wish to collect is correct. 
I hope your legal staff that noncompliance with this request will result in legal trouble for your company sincerely, XXXX XXXX
Product: Vehicle loan or lease

I purchase a vehicle XX/XX/XXXX also purchased the gap/repair Extended warranty : on XX/XX/XXXX ( Abs ) brakes system all wheels lock up 1st sign of of ( faulty ) engine. Check ( engine ) light comes on as well. 2nd sign faulty engine the van starts this jerkying and stalling while driving this is all going on within a years time. About XX/XX/XXXX the van does not starts or drives its just stops running. I asked if gap/repair extended warranty can be used to repair or replace the engine problem!!!! What are my rights as a consumer and customer concerning The LEMON LAW!!! They never responded back since I asked them to replace the vehicle or repair the vehicle!!! I surrendered, and gave the vechicle back. Then they said they repossessed it and reported to my creditors!!! I paid {$6100.00} they said I still owed {$7000.00} I feel I was robbed out of my money and a vehicle that doesnt work!!!! Does the LEMON LAW REALLY WORK!!!! They took advantage of me and my wife. They failed to issue me a trade value. Also failed to give me a replacement value. This was Auto Credit XXXX, Il XXXX ( XXXX or XXXX ) also mangers were involved!!!! They knew the vehicle was not working I told them their response was its not our responsibility for engine problems take it to repair shop. The extended warranty was paid since the start of contract!!!! I signed up for it in the paperwork!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed information that was inaccurate on my report on XX/XX/year> I received a letter stating this company couldnt remove the inaccurate information thats is causing me to be denied in apartments and other etc. My names appears about 20 times different names the correct name is XXXX XXXX XXXX, all the other names should be removed immediately XXXX XXXX XXXX, XXXX XXXX XXXX etc. 
There are several different addresses that I never resided at the correct address on report are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX everything else should be removed immediately. 

I also have an eviction for XXXX XXXX that I won and was withdrawn and I sent documents and they still will not remove. 
I have a IRS tax lien that was paid in fully that should also be removed. 

There are several ins companies reporting an address of XXXX XXXX XXXX with a XXXX XXXX and XXXX XXXX I dont know either party or reside at this address nothing has been done in my disputes
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to formally request that you block and delete the following fraudulent account and unauthorized inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Unauthorized Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX