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

IN ACCORDANCE XXXX THE FAIR CREDIT REPORTING ACOUNT # XXXX HAS VIOLATED MY RIGTHS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTIOM 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WHITOUT MY WRITTEN INSTRUCTION
Product: Debt collection

Central Portfolio Concern, based out of XXXX, has called my wife and I several times regarding a debt that we are not acknowledging as accurate as we have no record of it from XXXX. We have asked several times, on what they say is a recorded line, that we are not acknowledging the debt but need a mailed statement. They have verified our mailing address several times as well as email and assured us multiple times that we would receive some sort of letter in the mail or by email. It has been going on for almost 2 months and we have not received any written documentation or email regarding this attempt to collect. They have been rude and accused me of being rude when all I want is information about the alleged debt. We have been checking the mail incessantly as we are trying to purchase a home and are concerned this will affect our credit.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of specific items on my credit report, as detailed in my attached dispute letter and notarized affidavit. As a verified victim of the XXXX XXXX XXXX, my personally identifiable information ( PII ) was compromised, leading to unauthorized accounts and inquiries on my credit file. 

Notably, the account " XXXX XXXX ( Account Number : XXXX ) '' resulted from this breach. Reporting this account without my explicit consent violates the permissible purpose requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Additionally, I am concerned about Experian 's dispute-handling practices, as highlighted in the recent Consumer Financial Protection Bureau XXXX CFPB ) lawsuit filed against Experian on XX/XX/year>. The CFPB alleges that Experian conducts inadequate investigations into consumer disputes, fails to convey all relevant dispute information to furnishers, relies on furnishers ' responses without proper review, and reinserts inaccurate information into consumer reports.
Product: Credit card

While I 'm waiting for XXXX to be re-opened, another issue has arisen. I asked Synchrony Bank to allocate payments to XXXX charges on my account that expired in XX/XX/XXXX. They complied with my request, however, then they sent me 35 emails and a letter via postal service to confirm they had allocated the payments. Is it their standard company procedure to notify a customer that their request has been completed by sending 35 emails and a letter?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$2100.00}, {$5500.00}, {$2200.00}, {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Product: Debt collection

This company continues to report incorrect information to credit bureaus. I have no knowledge of this account on my credit reports. I have disputed this account multiples but I never received the proper verified documents pertaining to this alleged account. I have mailed multiple letters to this company about this account and I have had no response to the letters I've sent. I have not received any information about this account.
Product: Credit reporting or other personal consumer reports

I believe these accounts were fraudently opened due to identity theft XXXX  XXXX {$110.00}, XXXX  XXXX XXXX {$480.00}, XXXX  XXXX {$540.00}, XXXX XXXX XXXX {$510.00}. I've asked the credit agencies to remove these accounts on several occassions from my consumer report and provide documents validating these accounts at this point the agencies are in violation of williful non compliance
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} - XX/XX/year>
Product: Mortgage

I wrote a letter to the company via fax about putting money against my principal to lower my loan interest at the end of the year. Instead of me keeping my money in the bank with .o8 % interest versus my loan interest which is 3.375 %. The company, did not respond for about two weeks. I call up the customer service and I was told there is a fee of {$50.00} and I was also told that they have a procedure, called the " recast '' that I needed to follow. I told the lady whom I have spoken with to send me the instructions for me to follow.

I received the instruction asking me to pay {$250.00} for processing fee. When I applied for the loan. I remember there is no pre-payment penalty. All I want is to reduce my principal balance and pay my loan as soon as possible and do not want to go to their long process with a big fee. I wanted to pay my loan now but I am still short.

If needed, I can send you a copy of my letter to the company about my intent and a copy of their procedure with regards to this matter to be more specific. I have experienced to pay off my mortgage loan before at no cost with only a minimal fee for money transfer. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with the additional gap warranty coverages XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX refused to fix the XXXX connect panel burnt wires and/or swap out the vehicle XX/XX/XXXXXXXX  : The vehicle was sold by the financer XXXX XXXX and a balance of {$12000.00} remains on my credit as a write-off and should be or needs to be paid by the security plus XXXX XXXX XXXX purchased XX/XX/XXXXXXXX  ; the remaining balance should not be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did not remove inaccurate information from all three major credit bureaus after I demanded them to verify those medical accounts with my signature on it. I'm highly upset they keep stalling the process and also harassing me with bills in the mail after I kindly asked them to remove this inaccurate information. NOW they are sending me letters to trying to offer me a " discounted '' price on these inaccurate accounts i'm getting harassed about. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX XXXX XXXX ) Account Number : XXXX XXXX These are the accounts I'm getting harassed about.
Product: Debt collection

I received communication about a XXXX debt. I went online and settled for less than what was owed printed a receipt and sent the money order for XXXX via mail with delivery confirmation. I checked my credit report and the amount I paid was only deducted from the whole amount Amsher is still reporting a balance. I checked the Amsher account online and it is reporting an installment payment past due.
Product: Credit reporting or other personal consumer reports

I wrote Equifax about me being a authorized person on the account of XXXX XXXX XXXX don't know what this is
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt buyer Portfolio Recovery is reporting an account on my credit reports that was opened XX/XX/2018 in the amount of {$340.00}. When it's disputed they are not verifying the account just continuing to report. I was XXXX at the time this account was supposedly opened and I want it removed
Product: Debt collection

I got an insurance policy with XXXX XXXX and I wanted liability only. They put full coverage and charged me for that every morning month. I cancelled the policy due to the expense and they turned me in to a credit collection agency. They refused to validate the debt when asked and I want this taken care of.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you please verify the documents? Several of the listed accounts are not accurate, and it's causing me some distress.
Product: Vehicle loan or lease

In late 2012 Hyundai Finance let myself and my girl friend get a brand new XXXX XXXX from them. I was the primary she was the cosigner. She had bad created and needed help. So the plan was for her to make the payments I was just there to help her get the vehicle. We broke up and she got behind on the payments. I contacted Hyundai to help me locate the vehicle due to her moving to Louisiana. They would not help but continue to has me for payments. I told Hyundai I could not afford to pay the vehicle and wanted it voluntarily repossessed. After that it would go to auction and then I could try to pay off the debt and take my ex to court for the debt. Hyundai refused to collect the vehicle. Instead they called me daily for payments.
Product: Credit card

Due to XXXX data breach and identity theft by capital one by falsely reporting on my consumer report. According to 12 CFR 1022.3 Anything added to my report without written consent is considered identity theft. 15 U.S Code 1681s-2 A person shall not furnish information relating to a consumer to any consumer reporting agency. They are also in violations of the Fair Credit Reporting Act. According to 15 U.S. Code 1681b- Permissible purposes of consumer reports ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I did not give my written consent to Capital one to report on my consumer report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX -Balance {$150.00} XXXX XXXX XXXX -Balance {$58.00} XXXX XXXX XXXX -Balance {$7100.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX : Update to Open/Never late. 
2. there is some inaccurate information reporting XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX accountt number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX acct number XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX no account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX account number XXXX no account number XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account number XXXX XXXX  XXXX account number XXXX no account number XXXX XXXX no account number XXXX XXXXXXXX no account number XXXX XXXX no account number XXXX XXXX XXXX XXXX XXXX no account number XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C. 1681 Sec. 602 states I have the right to privacy 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account without my written permission 15 U.S.C. 1681 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than 7 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditors customer service representative.
Product: Credit card or prepaid card

On XX/XX/2022 I purchased a round trip airline ticket from XXXX XXXX ( XXXX  ) using PayPal Credit financed by Synchrony Bank for myself ( {$1100.00} ) and purchased a ticket for wife ( {$1000.00} ) using XXXX  credit card. The flight is on XX/XX/2022 from XXXX XXXX ( XXXX ) to XXXX ( XXXX ) with a layover in XXXX XXXX ( XXXX ). The XXXX to XXXX flight is fulfilled by XXXX XXXX ( XXXX  ) an affiliate of XXXX. Sometime first week of XX/XX/2022, XXXX cancelled their flights from XXXX to XXXX with no other available flights that will connect me on time with the XXXX to XXXX flight. To cut the story short, after a 2 day phone tagging with XXXX and XXXX, I had the ticket cancelled instead. I filed a disputed charge with Synchrony bank since XXXX  and XXXX  are pointing fingers to each other on who should refund the money ( I also requested a refund from these two airlines ). SynchronyXXXX  kept on insisting that the purchase is legitimate and so they can't give me a credit. I told Synchrony/XXXX  XXXX I'm not disputing the legitimacy of the purchase but the services I purchased can not be fulfilled ( undeliverable services or deffective goods ) since the XXXX to XXXX  flight was cancelled and no available flight can be find on time with the XXXX  to XXXX  flight XXXX Attached is a screenshot from XXXX  and XXXX  website showing our flight from XXXX to XXXX  is still cancelled.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C. 1681 Section 604 A. States I have the right to privacy.

15 U.S.C 1681 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 the report by more than seven years.

! 5 U.S.C 1681s-2 ( A ) ( 1 ) 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 inaccurate.
Product: Credit reporting or other personal consumer reports

I have had fraudulent mortgage chargers ( to my home loan ) for several years now FROM Chase Bank. I have received many emails EVERY month saying that my mortgage is in arrears, and I am in foreclosure. Chase customer service rep recommended that I go into a branch and make extra payments ( which I did ). This is in addition to ; my monthly electronic withdrawal payments from checking account ( see attached ). XX/XX/XXXX, my principal balance was {$700000.00} ( see attached ). I made several requests for an amortization of my loan and Chase has not complied. I requested copies of my electoral withdrawals ( because I misplaced my checking account statements ) copies and Chase never responded. My original loan amount was {$120000.00} in XXXX now after 30 years Chase closed my account XX/XX/XXXX. I made an estimate of {$270000.00} in added mortgage payments, Now XXXX XXXX ( whom I never heard of ) says I owe I them {$130000.00} after I have already made payments estimated at {$350000.00} XXXX ( see attached ) over the 30 years. I made large payments of {$55000.00} once in XXXX and {$50000.00} XXXX TO BUY DOWN THE PRINCIPLE. I made {$35000.00}. in XXXX that was to pay down on my principle, but they applied it to my payments to the interested. I never asked that the payments should go to interest because these judgments were fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such, XXXX XXXX XXXX XXXX XXXX REPRESENT CHASE and these law firms sent me hundreds of letters with fake judgments. These judgments were added to my prinsple mortgage balance amount. Now I want to open a claim for {$350000.00} to recoup some over charged payments that were a result of these fraudulent judgments. 


XXXX XXXX Email XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My wallet was stolen in XXXX of 2024.i filed police report.somehow someone used my number to open a account and it shows on my credit report.when I tried call company and put in my social it would not allow me in.i tried contacting experian with no luck to speak with someone
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX XXXXXXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

have contact all 3 major credit bureaus and XXXX  XXXX  in regards to account being invalid reporting late payment I have a letter from company it has been submitted to all 3 bureaus and they still refuse to remove late payments. I have never been late my loan with XXXX XXXX  is current and paid as agreed since I entered contract up to this date of XX/XX/18. would like credit bureaus to remove late payment remarks