23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a week ago I applied online for a report from LexisNexis Consumer Center. 
I have still not received any confirmation that they received my request. 
In their website I found a phone number to submit a request via phone and to speak with a live operator : XXXX. 
i was never given an opportunity to speak with a live operator. 
So I still do not have any verification that they received my request. 
I feel that the Company needs to provide access to a live operator, as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, I discovered that Bank of America lists me as the owner of Auto Loan # XXXX, taken out in XXXX of XXXX. I do not have an auto loan with BOA. In fact, I have not had an auto loan since XXXX ( and that was with XXXX ). I filed a dispute with BOA in XX/XX/XXXX ( Case # XXXX ). Since that time, I have provided BOA with all of the documentation they have requested. After 4 months of being stonewalled ( at one point, I spent 3 hours on the phone with BOA and was transferred to 7 different people -- none of whom could help me ), I requested that BOA provide me with a copy of an original loan agreement with my signature on it. I was told on 2 occasions, " we can not provide you with that document at this time. '' After reviewing all of my documentation, on XX/XX/XXXX, BOA reported to XXXX  that my fraud claim had been denied, and that the auto loan should remain on my credit report. I received a letter from BOA, dated XX/XX/XXXX, that " based on the documentation received, we have denied your claim. As a result, our reporting of the loan to the credit bureaus is accurate. ( The interesting thing is that, although I never receive payment statements for this loan, and have never made a payment on this loan to BOA, the loan is being paid on time each month. ) I recently received a letter from BOA about the status of my claim, addressed to " XXXX XXXX XXXX AKA XXXX XXXX. '' On several occasions when talking with BOA representatives, I have been referred to as " Mr . XXXX. '' I have provided BOA with documentation that I am not now, nor have I ever been known as " XXXX XXXX, '' and that I do not now, nor have I ever, lived in CT. After 4 months of investigations, BOA has asked me to " be patient. We need more time to investigate your fraud claim. '' In the meantime, I have been denied credit because of this {$13000.00} loan on my credit reports. It seems to me that the solution is quite simple : if, as BOA reported to XXXX, I did sign for this auto loan, there must be paperwork with my signature on it. If BOA is unwilling or unable to provide me with that documentation, then how can they claim that the loan belongs on MY credit report? ( Also, over the past 3 years or so, BOA has made 18 requests for my XXXX  credit history -- I have never done business with BOA prior to XX/XX/XXXX. Based on my fraud claim with XXXX, all of those BOA requests have been deleted from my credit history. ) Since XX/XX/XXXX, I have been communicating with BOA Fraud Quality AVP XXXX XXXX -- who has been less than helpful, and less than forthcoming with any of the information I have asked BOA to provide to me.
Product: Credit reporting or other personal consumer reports

Inaccurate late payment status reporting. 
XXXX : XXXXXXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX Opened XX/XX/XXXX. 
Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you Experian credit reporting agency block all the accounts or collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via XXXX, Equifax, and XXXX. I have always lived at XXXX XXXX XXXX # XXXX. Someone illegally obtained my information and opened fraudulent accounts and used apartment number # XXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on XXXX and Equifax as I am able to lock/freeze my report now. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( XXXX, equifax, XXXX ) *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX XXXX XXXXXXXX XXXX Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these 3 items off all 3 bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in America as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent *********ILLEGAL/FRAUDULENT CREDIT CARDS*********** **XXXX, Equifax, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

EIN Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

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

I do not recognize this inquiry from XXXX XXXX XXXX XXXX : XX/XX/21 15 U.S.C 1681 Section 602 A : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not finish a account w/o my written instructions.
Product: Debt collection

The orginal creditor was XXXX  XXXX XXXX and because my bill was never the same amount but usage was and I was being overcharged for items I hadn't used I switched my cellphone carrier. I had a bundle also with internet. After getting nowhere with my billing I contacted the FCC who was able to get them to reduce my bill and unlock my equipment. I then began paying my balance owed. I then received a collection notice months later for the initial amount of XXXX ( XX/XX/XXXX ) but I had gotten it down to XXXX ( XX/XX/XXXX ) at that time. I was confused about who to pay at that point, I called and spoke with various people who either claimed not to be able to pull the account information to referring to the person who handled the FCC dispute. She advised she was unable to help because it was now a collections matter. XXXX  customer service offered no solutions either but to pay them. The first collection agency XXXX XXXX was notified in writing requesting them to be aware that the balance was incorrect and I was interested in resolving the issue. They never called nor wrote me in the regard they just changed the balance owed to {$250.00}. 

As of XX/XX/XXXX XXXX XXXX removed the item. It is now currently showing as an item under IC System, however, they have never called nor written me in the regard of resolving the issue. Further, I have no information on this company and nothing is showing on my report by way of an address or number to contact them. I also dont feel safe paying them without written correspondence nor a way of knowing that this will close and resolve the matter. I'm also not confident that if I pay them it will result in the matter being closed nor do I know if the item will be passed on to another company!! Its really awful how these companies just sell your information, never try to resolve the issue even when you reach out to them.The consumers are in a bad position because it takes so much to rectify and on multiple accounts. I appreciate your services!
Product: Credit reporting or other personal consumer reports

My Experian credit report includes accounts and inquiries that I did not open or authorize. These items are the result of identity theft, and I am requesting their immediate removal. 

Fraudulent Accounts : XXXX XXXX ( Account # XXXX ) : This account was placed into " Collection '' incorrectly. 
XXXX ( Account # XXXX ) : Marked as " Charged off. '' I did not open this account. 
XXXX XXXX ( Account # XXXX ) : Incorrectly reported as a " Charged off '' account. 
XXXX XXXX ( Account # XXXX ) : Fraudulent account not initiated by me. 
XXXX XXXX XXXX ( Account # XXXX ) : Incorrectly marked as a " Collection. '' Unauthorized Inquiries : XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year>, XXXX inquiries ) The presence of fraudulent entries on my credit report has adversely affected my credit score, leading to denials of loan and credit card applications. This situation has not only increased my financial stress but has also caused considerable inconvenience.
Product: Credit reporting

I recently pulled my reports in XXXX, upon that I found numerous inquiries and fraudulent accounts on my reports. I contacted the Equifax and they told me I needed a police report. I went to XXXX office filed a report. Once I received the report I was told to fax it in to Equifax, XXXX. I was told that the items would be deleted and removed. However upon opening my XXXX bank account, I found out my score was a 401 due to collections from the fraudulent accounts that were deleted. They have been reinserted after being removed. When I called back in XXXX I was told another investigation was to be opened because the company had sent them ( Equifax ) placing the item back on. I then asked to speak to a supervisor he was extremely rude and stated there was nothing he could do because I had to do another disputes. As of yesterday XX/XX/XXXX I sat on the phone being switched from one agent to another then left on hold for 2hours and 15 minutes. Equifax needs a better system if you are a victim of identity theft these companies should have to provide verifiable information that account is properly accessed to the right individual. I would like for Equifax to make these creditors provide accurate information for my reports and if they ca n't delete and remove those items and send a reconsideration letter to my bank saying that it was an oversight on my reports of inaccurate information.
Product: Debt collection

On XX/XX/year> at XXXXXXXX XXXX I received a phone call from Transworld Systems Inc., and the representative I spoke with was rude, disrespectful, and used an unprofessional tone throughout the conversation. Specifically, this floor lead named XXXX spoke to me in a demeaning manner telling me Well now you owe the full {$23000.00}, now have a nice day! after I was just trying to constantly explain to her that another representative told me I could pay a certain amount and keep my settlement. She was very argumentative and condescending! 

This experience left me feeling distressed, intimidated, embarrassed, and no longer wanting to do business with this company because this situation is already stressful enough as Im just trying to make ends meet and still take accountability for debts to clean up my credit profile. I understand that debt collectors must adhere to the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ), and I believe their actions violated these standards. 

I request that the CFPB investigate this matter further and ensure that Transworld Systems Inc. is held accountable for their actions. I also ask that you remind them of their legal obligations to treat consumers with respect and provide clear, accurate information. 

Please let me know if you require anything more of me. I appreciate your assistance in addressing this issue.
Product: Mortgage

My mortgage company XXXX Fay Servicing XXXX collects insurance as part of the escrow but fails/refuse to pay my insurance premiums when due and I am forced every year to pay insurance out of pocket. They are listed as additional insured and the bills go directly to them and they never pay. Last year I was given a refund after paying the insurance company directly but now they are refusing to give me a refund. They either have to stop collecting insurance premiums or pay for the bill when due.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please remove theses unauthorized inquiries from my credit report. These are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX there was XXXX that was unauthorized by me from my credit karma account..I file a dispute on XX/XX/XXXX and they closed my account because they found it was no error. 
XX/XX/XXXX I received constant emails from credit karma that sem like my account is still open.. I received information from XXXX XXXX in my email that there is a negative balance after the account was closed. I reach out to support and they told me there had been credit reverse to my credit karma account. So why is it that credit karma found my dispute incorrect. But kept my money. I'm struggling to get my money back and it seems like they are telling me that visa made the determination. But if it's my money why did they take it. How is the dispute an error when XXXX XXXX return those funds
Product: Vehicle loan or lease

Santander consumer usa has in the past submitted incorrect information on my account to credit bureau. I told you all before about unfair practices and you did nothing.They have not corrected information on my loan in timely manner in past giving me poor score They already charge me interest only payments without applying to loan or thoroughly explaining it .We are under new administration in washington and new guy President Biden put in place i am contacting him letting him know your agency has done nothing out of all CFPB complaints I've submitted
Product: Debt collection

XXXX this was my ex husband debt I am not responsible for it and they were told this but they still continue to call my girls about it and tell them they are going to take me to jail.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I am writing to appeal the permanent limitation that was placed on my PayPal account with the email address XXXX. I believe that this decision was made in error, and I have not violated any of PayPal 's policies. 

Firstly, I would like to emphasize that I have been a loyal PayPal user for several years and have always complied with the terms and conditions set forth by the company. I am confident that I have not engaged in any activity that would warrant a permanent limitation of my account. 

I believe that there XXXX have been a mistake in the review process, leading to the permanent limitation of my account. I would like to request that PayPal re-investigate my case and consider restoring my account, as I believe this action was taken unjustly. 

As a PayPal user, I understand the importance of adhering to PayPal 's policies and regulations. I have always taken this responsibility seriously and would like the opportunity to continue using PayPal to conduct my financial transactions. 

I appreciate your attention to this matter and respectfully request that you review my case with utmost care. If there is any further information that I can provide to assist in this process, please do not hesitate to contact me. 

Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]
Product: Payday loan, title loan, personal loan, or advance loan

I recently, disputed Equifax and CFPB. Equifax denied and stating all information are accurate. This time I will submitted again with all information need necessary because Equifax are not doing there job correctly. 

CFPB Writeup : 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 XXXX 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. 

In addition. Equifax date has been on XX/XX/2017. Now I noticed there at least XXXX soft inquires showing on my Equifax credit report in 1 months!!! If this problem is not resolve I will hire a lawyer and take it to another level. Thank You
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 Bank Of AmericaXXXX {$500.00} ( Account # XXXX XXXX XXXXXXXX XXXX XX/XX/21 {$2000.00} ( Account # XXXX XXXX XXXX  XX/XX/21 {$2000.00} ( Account # ending in # XXXX XXXXXXXX XXXX 15 U.S.C . 1681 sec 602a 15 U.S.C. 1681 sec604a Section2 15 U.S.C. 1681c ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( a ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This company advised me at the beginning of last year that I would be eligible for a loan assistance program and I signed up for it. They told me to wait until they approve it and that I didn't have to make payments until the approval was complete and they find a clear title. I followed up on the info they gave me within a couple of weeks then they advised it would take at least 30 days to get the title and they told me to continue to wait and I would get something in the mail or a phone call from them. I did what they said and waited 30 days then when I called back to check on it a rep told me that someone had submitted a death certificate on my account which was not possible because I was the only one authorized to handle anything regarding my mortgage. Shortly after they sent me a certified letter in the mail saying my house was in foreclosure. I did everything they told me to do and they flat out lied to me and put my house in foreclosure without honoring the assistance program paperwork. I later filed for bankruptcy XXXX XXXX and it was discharged, then mortgage company challenged it through the courts advising me I needed to pay or foreclose. I started making payments an they honored the assistance program but after the bankruptcy discharged they advise me they will not report the payments I am making on my credit because the bankruptcy lawyer needed to do a reaffirmation. The lawyer advised it was up to the Mortgage company to do the reaffirmation so I kept getting the runaround and here I am still paying and its not reflecting on my credit and my Mortgage payment increased. I have had nothing but issues with this company, they lie and every time I call someone tells you different things.
Product: Credit card or prepaid card

I received my statement from TD saying I owed them XXXX via email, I found it weird I owed them that much. Unfortunately, I was unable to see the entire statement. Me always trying to be a good person with my bills I paid the entire bill in fact I had overpaid in the amount of {$540.00}. When I received my statement in the mail, I realized that they had charged me for the transaction to XXXX that was originally declined and flagged as fraud, in which I had already called them and told them that I was trying to pay for tickets, and it was declined so I had to use my XXXX XXXX  credit card. The lady I spoke to told me not to worry since it was declined, I was not charged, in fact, that was not true I was charged, and I called back and on XX/XX/XXXX and started a dispute. Overall, these weeks, I have spoken with XXXX, XXXX, XXXX, XXXX twice, XXXX, XXXX, XXXX, and XXXX. They continue to say they have not received the documentation they need. Yet I have proof they were faxed twice and finally, I sent it to them with signature confirmation which an XXXX XXXX signed for it on XX/XX/XXXX. They continue to say it is not in their system. They have railroaded me for over 2 months now and they owe me {$500.00}. I had to go to my bank to fight them and even they are waiting for them to respond. There is never a supervisor available with them. At this point I want everyone to know about this. I am attaching a 30-page document showing proof of the overpayment the fact I used another card and proof they have received the documents they requested three times.