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

Absolutely, here 's the modified version with the additional details : In accordance with the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound regard for consumers ' privacy rights. XXXX and XXXX, being consumer reporting agencies, are bound by these standards. As a consumer, I affirm my right to safeguard my private information, as underscored by 15 USC 6801, which underscores financial institutions ' obligation to respect customer privacy.

As stipulated by 15 USC 1681, section 604a ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit, written consent from the affected consumer. Neither the financial institution nor XXXX and XXXX have procured my consent to share this information, thereby nullifying any implicit or assumed consent. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of information disclosure to third parties, a prerequisite not met in this instance.

Additionally, 15 USC 1681C ( a ) ( 5 ) unequivocally prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The account name, XXXX XXXX XXXX is being reported without my consent, which constitutes a violation of the law. It's imperative to note that the debt associated with this account has already been discharged.

Furthermore, in compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and XXXX are obliged to uphold accurate information and implement reasonable procedures to prevent violations, responsibilities they are currently neglecting. 

Considering the aforementioned violations and discrepancies, and in accordance with 12 CFR 1016.7, I hereby assert my right to opt out of your reporting services.
Product: Mortgage

We attempted to make a claim for a burst pipe on our home to XXXX XXXX. XXXX XXXX informed us that our policy had been canceled since XXXX for non-payment. Our Mortgage lender at the time in XXXX was Wells Fargo. They were responsible for paying for insurance and taxes out of escrow. In XXXX XXXX XXXX  we were notified we had a shortage on our escrow account of {$520.00}, we paid {$520.00} on XXXX XXXX XXXX We had been notified by XXXX XXXX XXXX XXXX ( where we got the policy for XXXX ) that the mortgage company hadn't paid the renewal premium yet, but since we had paid into escrow we knew the money was there and that Wells Fargo would pay. 
We called Wells Fargo today, XX/XX/XXXX after finding out that our XXXX XXXX XXXX XXXX had been canceled in XXXX, upon speaking with a customer service rep, they said XXXX had never billed Wells Fargo for the insurance premium and there was no information about cancellation until XXXX XXXX XXXX. We as the customer never got information from Wells Fargo that they didn't pay the premium and we never got notification from XXXX that our policy was canceled, nor did Wells Fargo notify us that our insurance was canceled. Wells Fargo said they would open a work ticket to investigate this information further. 
Our mortgage has since been transferred to XXXX XXXX XXXX in XX/XX/XXXX. We called XXXX XXXX XXXX to inquire why we weren't notified from them that we had a mortgage without home insurance. After talking with multiple departments on the phone, it was found that when the loan was transferred to XXXX XXXX, Wells Fargo had marked our Earthquake policy through XXXX insurance as our " Home owners insurance '', and so until we called, XXXX XXXX had marked down that we had home owners insurance through XXXX, but it's just Earthquake insurance ( this was a supplemental insurance because with our XXXX policy they did not cover earthquakes ). 
We also called XXXX XXXX XXXX XXXX which is our agent through which we got the XXXX policy, their records showed that we still had a home policy through XXXX. When they logged into XXXX XXXX XXXX our policy showed as canceled, but XXXX never notified XXXX that it was canceled, they are opening a ticket with their system to contact XXXX and get more information.
Product: Credit card

On XX/XX/XXXX, I purchased a couch, mattress, and box spring from AshleyFurniture.com using the " 60 Month 0 % APR '' promotion. Those items were not charged to my card until over a month later on XX/XX/XXXX. 

My receipts state that the purchases were made with " 60 Months XXXX XXXX ''. 
The payments for this card are managed through MySynchrony, and when payments began, I set my account to AutoPay the correct monthly amount to pay down the balance within the 60 months. 

On XX/XX/XXXX, I opened the MySynchrony dashboard while budgeting to check the balance, and then I found that I had been charged interest at a rate of 9.99 % every single month since payments began in XXXX of XXXX. 

I immediately went to MySynchrony support to ask why this was happening, and they directed me to XXXX because " the vendor sets the terms. '' I then reached out to chat support on AshelyFurniture.com and explained the issue. They stated, " 60 month promotions are only for in-store purchases. '' This may be the case now, but was not when I purchased in XX/XX/XXXX. I asked for the number to their finance department and was given that number ( XXXX ). Before calling the finance department, I called the general support line and was told the same thing, " 60 month promotions are for in-store purchases only. '' I then called the finance department and spoke to XXXX. I explained the situation and she said that she would take it to her managers and get back within 3-5 business days. To be fair, this means I should hear back by XX/XX/XXXX. XXXX also stated that the promotion code could have been inputted incorrectly, but she could make no promises. 

I have the receipts to prove " 60 Months Promotional Financing '' but I have not been given a copy of my original promotional agreement. I know it was 0 % APR, as that was the only deal I was willing to take at that time. The current APR they are charging me is 9.99 %, roughly {$30.00} per month in interest charges. I have requested that they retroactively credit all interest charges back to my balance and continue with the origianl 60-month 0 % interest deal as promised. 

Receipts have been attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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
Product: Credit card

Around XX/XX/2023 I had closed my XXXX master card account due to fraud charges that kept happening every month the reason why I had closed the account is because these fraud charges that happened on my card kept happening over and over again even about XXXX months or longer before I had closed the account every time I seen these charges on my card I would file a complaint and have them send out a new card with a new number and I wouldnt even use the card they would send me and then all over again the same charges would happen this happened over and over again where several charges from XXXX XXXX and XXXX would show up on my transactions sometimes these transactions happened several times in XXXX day after the next, the company then refunded me the money for the claim but after it kept happening they quit refunding me when they know it was fraud from previous claims filed so when it kept happening and I wasnt giving the number out to no one with the new cards given but the charges kept appearing on my transactions. Now Ive closed the account and every month I make the minium payment and the XXXX  master card company keeps putting late fees on me when I pay it on time with the app then they will call me and harassing me saying the payment wasnt made but I know it was and it was done on their app. Even when these charges kept happening I would go on the app to download the statements but they would not be available on my account and on the app. I feel the someone in their company is doing the fraud and making the charges on my cards because it keeps happening when a new card is sent out and the only ones with the number is me and them and if I aint making these charges then someone in their end has to be doing it. They still have not refunded my money for the last claim I filed, and they keep putting more charges on the accout when its been closed for several months.
Product: Credit reporting or other personal consumer reports

I do not have any current loans with Department of Education/XXXX XXXX The balance is XXXX. It keeps showing that I owe {$130000.00} on Equifax and XXXX. Disputed with them many times but they have not removed XXXX from my credit reports. I even called XXXX using XXXX to verify that I do not have any balance or current student loans with XXXX. The representative sent me a letter to verify that the balance is XXXX.
Product: Checking or savings account

On XX/XX/XXXX I tried to use my debit card and it said declined which was embarrassing and I had a line behind me at the store so I went to my car and checked my email I see that chime sent to me a email stating that they were closing my account because of some violation terms which isnt true I have had that card sense XXXX and only paid bills from and received direct deposits or send money to family members
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My information was fraudulently used for credit cards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear CFPB Representative, I am reaching out to request your assistance in removing the fraud alert on my credit report. Despite my direct communication with the credit bureaus regarding this matter, no action has been taken. The Fair Credit Reporting Act ( FCRA ) states that credit reporting agencies must investigate and correct any inaccurate information on a consumer 's credit report. In this case, the fraud alert is an error that needs to be rectified. Therefore, I kindly request that the CFPB reach out to each of the credit bureaus on my behalf to ensure the prompt removal of the fraud alert. Thank you for your attention to this matter.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX and returned it at lease end. I did the lease-end inspection prior to returning the vehicle to Hyundai. I paid all of the lease installments with no problems. 
One day I received credit alerts from my XXXX XXXX " credit-wise ''. I looked it up and found out that Hyundai-finance reported that I was 30 days late on my lease-end bill which I never received and only heard about it through the credit bureau reporting. I know that there is a bill that will come any day but never received one. 
The day I heard about the late filing I searched my email and did not see any Hyundai emails. I went to my account online to see if there is a bill but there are no bills/invoices listed at all. Attached is a screenshot from my account. 
By the way, my account is still showing an old bill from XX/XX/XXXX that was paid on time. See the attached payment record. 

I called Hyundai immediately and paid the invoice in full. I asked if they can adjust the negative reporting but they said I have to mail them a request. I mailed my request to the Hyundai dispute department on XX/XX/XXXX but never heard back from them. 
I went on my XXXX account and disputed the negative reporting but never heard back from Hyundai.

Today, I see that they added a 60 days late payment into my credit report. 
My question to Hyundai is, how come I never received a bill from you or your collection department and now I am late in payments that I've never been late on? 
I believe it is my right as a consumer to be given an invoice with billing date and due date. 
Attached are *Account details screenshot. 
*Account payment proof for the payment still showing on the account which is dated XX/XX/XXXX. 
XXXX A letter that I sent to Hyundai credit dispute department * A letter from Hyundai showing the account paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple items with XXXX  & XXXX  and they always send me back an auto generated response that the infomration is accurate even though I have submitted letter from the company stating the correct informtion that needs to be reported. I disputed a XXXX & XXXX credit card account has being legally paid for in full with a letter from both companies, but they send me back a auto generated response with the same infromation and no changes. This makes me see how a company like XXXX got breached and compromised millions of people private information. They can barely handle a simply dispute. Same with XXXX. These 2 reposrting services need to coordinate correctly with XXXX  and XXXX and report accurate information The two account are LEGALLY PAUD IN FULL
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Bankruptcy Account from Credit Report I am writing to address a concerning issue regarding my credit report. Upon reviewing my credit history, I discovered that a bankruptcy account is inaccurately listed on my report. This is deeply troubling as I have never filed for bankruptcy, and its presence is severely impacting my ability to access credit and financial opportunities. 

The inclusion of this erroneous bankruptcy account violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which mandates the accuracy and fairness of credit reporting. As a consumer, I have the right to privacy and accurate credit reporting, both of which are being compromised by the presence of this false bankruptcy account. 

I hereby request the immediate removal of the bankruptcy account from my credit report. Failure to comply with this request will result in a violation of federal law, and I reserve the right to pursue legal action if necessary.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

My credit score has been improving and I have been paying down my debts. This month, Equifax lowered my FICO score XXXX points, down to XXXX. This is confusing and suspicious as I can not find a logical reason for my score decreasing such a large number. I believe Equifax perhaps incorrectly reported my FICO score and instead of increasing it to XXXX, they accidently decreased it to XXXX. XXXX is reporting my FICO this month at XXXX and there 's no reason why Equifax 's score should be underreported so low.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : AN # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Sunrise Credit Service placed a collection on my credit report I do not know who they are or have ever done business with the creditor they stated they are representing. The collection was placed on XX/XX/23 for {$1700.00}. I called them based on the number provided on my credit report and they could not verify who I was besides my phone number. They stated I lived at a certain address which was incorrect. I do not have any information about this company or the creditor they are stating they are representing. The only way I found out about this collection was from a trigger alert I have placed on my credit reporting service XXXX.
Product: Payday loan, title loan, or personal loan

I am struggling for a little bit my work is slow so I missed a payment but made XXXX back already I am XXXX  months behind in rent I asked them not to take out things will pi k up quickly they are running me negative in my account and they are trying to take double out I tried to talk to them but they said tough XXXX I am going for a week with no meds I am XXXX  and so is my wife a week will be very bad for us they won't work with me they are rude.
Product: Money transfer, virtual currency, or money service

I would like to be reimburse for the reported transaction
Product: Credit card or prepaid card

I had a charge on my Capital One Credit Card of {$200.00} from XXXX XXXX on the account on XX/XX/2021 which I disputed due to the airline not honoring their policies. Capital One spoke to XXXX XXXX and XXXX XXXX gave me a shopping credit for their airline, and Capital One reinstated the charge on my account. However, once I tried to use the credit with XXXX XXXX it was no longer valid even though it was within the time frame I was given because XXXX XXXX stated Capital One removed the funds. I spoke to Capital One once more to give me back my money since they withdrew the money from XXXX XXXX and Capital One said the case was closed. I still have not received my money back. I have evidence of the credit/voucher I was given by XXXX XXXX  with the expiration date valid that unfortunately was canceled due to Capital One withdrawing the funds.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent {$21000.00} from my XXXX checking account to XXXX XXXX to be credited to my Binance.US account. The money was never credited to the Binance.US account or returned to my XXXX account. Binance customer service acknowledged on XX/XX/2021 receiving the funds but has yet to resolve the issue. Binance customer service is unresponsive.
Product: Credit reporting or other personal consumer reports

Reporting information as delinquent and negative. Reporting 22 accounts as open and potentially negative when they have been discharged through bankruptcy.
Product: Credit reporting or other personal consumer reports

I was looking to buy a new car and looked at two online sites XXXX and CARMAX. They both offered prequlification which I thought would be useful so I could keep myself within a certain price point, and it was advertised as having XXXX impact on credit report. When I finally decided which car to purchase CarMax requested to run a single hard request and was denied credit which I did not understand why until a few weeks later denied applications from multiple lending companies that I had neither heard of nor applied to began to pour in. Over XXXX in total which also ended up as hard inquiries on my credit report dropping my score to XXXX -over XXXX points in total. It has been XXXX months since this incident and I am still in the process of disputing with the credit agencies to get these items removed. I contacted carmax and XXXX and they said I authorized the check however I was unaware they were impacting my credit report so much and the soft inquires ended up as hard inquiries as well. I was unable to get a vehicle and am exhausted by this process. The businesses messed up but I am having to clean up the mess.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I opened a savings account with Popular Direct, a subsidiary of Popular Bank, on XX/XX/XXXX of 2023. I proceeded to fund the account with {$5000.00}, which was well beyond the required {$100.00}. The funds were marked as received on XX/XX/XXXX. On XX/XX/XXXX, I received a letter in the mail, postmarked on XX/XX/XXXX, that informed me that my account would be closed " pursuant to the terms and conditions set forth in the Personal Banking Disclosure and Agreement ''. The letter went on to state that " as of the date of this letter, the total balance in the Account is {$100.00} ''. Not only was the letter postmarked on the same day that I funded the account, but the account balance described in the letter was inaccurate. These facts made me suspicious, so I called Popular Direct 's customer service. I provided my account number and personal information in order to verify ownership of the account. I asked the representative to look into why my account was to be closed. After being placed on hold for approximately 8 minutes, I was informed that my account was being closed and that he could not provide me any information as to why due to " bank policy and security reasons ''. Despite the strange circumstances, I attempted to further understand the reasoning and inquire about the timing for receiving my deposit. He again placed me on hold, and when he returned, he informed me that the closure would be processed on XX/XX/XXXX, and that the money and a letter detailing the closure would not be returned to me until 7-10 business days after XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX a determined my vehicle to be a total loss and agreed to pay me over {$8000.00} for the loss But it took them XXXX months to pay me During that time I incurred a XXXX XXXX dollar balance on my Credit card That I was only behind on 2 months with the same company XXXX. I have since paid off the balance on my credit card, but as a result my credit has been damaged Because they took a long time to pay me so I wasn't able to pay them Until they paid me first. Not only that, but they reported my lateness to the credit bureaus and it was not even in collections.