23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Signed for and agreement with XXXX from door to door salesman to receive lawn care and pest control for XXXX on XX/XX/XXXX. Did not receive said service in agreement. Called to cancel service on XX/XX/XXXX with the office. Was told by the person on the phone nothing would be owed due to first payment being taken out. Got notice on XX/XX/XXXX that I was being put into collections for the amount of XXXX. XXXX XXXX did not send any communication that my agreement was still valid and I was being charged, even though I did not receive service.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was taken out fraudulently pay under my name. Both subsidized and I subsidized loans were taken out in my name totaling almost {$5000.00}. I did not take out any type of student loans and ever since finding out in XXXX Ive been working to get them removed off of my credit. It removed from XXXX bureaus because it was verified they were my account except on TransUnion.
Product: Debt collection

I have received numerous calls for years " attempting to collect a debt '', from DYNAMIC RECOVERY SOLUTIONS. I believe it is for a student loan of a former co-worker of mine. I have told them numerous times I am not that person. I even provided them her number, years ago when I still had it. I have not been in contact with the person they are looking for, for at least 6 years. I have told them nicely and more forcefully to stop calling me. They reply, in a very rude tone, that they have worked with me before. They obviously think I am trying to get out of paying. I have blocked the number, but they call from another one. I have left them voicemails and as of today, I emailed them. Their website they provide on their voicemail, when I called them is GOTODRS.COM. I will call them again tomorrow and demand a person that is higher in the ranks, in hopes they will listen to me. 
At this point, it has gone way beyond what is acceptable. This is outright harassment. I'm hoping you can help me with this matter.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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

On XX/XX/2024, I certified mailed documents to Experian, XXXX, and XXXX credit reporting agencies. Included were my copies of my driver 's license, social security card, utility bill ( as proof of residence ), a notarized affidavit stating what happened, a police report, a three ( 3 ) bureau credit report, and a copy of FCRA section 605B. Section 605B requires the above mentioned agencies, to remove the fraudulent items from my credit report within four ( 4 ) business days. 
The documents were received on XX/XX/2024. 

Experian received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

XXXX received documents by certified mail on XX/XX/2024. Signed for by XXXX XXXX. 

As of the submitting of this complaint, Experian, XXXX nor XXXX has removed the fraudulent items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX the credit bureas and self income Claimed they did an investigation But that can be possible when I never have written permission!!!!!! 

XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX - XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ 520 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

I've been trying to talk to an actual person at Lakeview Loan Servicing LLC for months about a brief hardship experienced due to Covid-19. I've called every number I can find related to the company. I'm either put on hold for hours, or I opt for a particular department through the automated phone system, at which point I'm either immediately disconnected or put on extended hold again. If lucky enough to not be disconnected, I'm given the option to leave a voicemail for a call back. But surprise. The voicemail box is always full. I've yet to even be able to leave a message. I've left requests through customer service online, but I've yet to receive any replies. 
I now am interested in refinancing my mortgage and am shopping for the best deals and rates. I'd like to speak with Lakeview to discuss the possibility of a simple rate adjustment. But as before, I can get no one to talk to me. 
I find it reprehensible that I'm not able to speak with a representative of the firm that holds a quarter-million dollar lean against me after purchasing my mortgage from my original lender.
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, XXXX, and Experian. 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 XXXX inquiry on Experian, and I have XXXX inquiries on XXXX and XXXX 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!!!!!!! 


XXXX 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, XXXX, experian ) XXXX CREDIT CARDS*********** **XX/XX/XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXBalance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX FIRST 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 XXXX items off all XXXX 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*********** **XX/XX/XXXX XXXX, Experian** 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!!!!!!! 

XXXX 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 or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX
Product: Credit card or prepaid card

I have contacted USAA about 2 separate accounts opened in my name by someone else on three separate occasions attempting to just pay it off.They " can not verify '' my identity to allow me to make a payment. If you can not verify my identity to pay you then you shouldn't be able to verify the debt belongs on my credit report. I have tried to pay these accounts three times to no avail.
Product: Credit card or prepaid card

On XX/XX/XXXX, I have disputed two transactions totaling {$120.00} ( {$81.00} and {$46.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. The creditor ( Bank of America ) has failed to acknowledge the dispute, but kept sending unable to process inquiry letters despite the fact I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. 
I repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. 
It appears that the creditor ( Bank of America ) either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as  follows : Effect of noncompliance with requirements by creditor - " Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor ''. 

Please contact the creditor ( Bank of America ) requesting a full credit of {$120.00} to comply with with the Fair Credit Billing Act as required by the 15 U.S. Code 1666 ( e ).
Product: Debt collection

On XX/XX/19 @ XXXX, XXXX called my phone number re : my acct. I have been making the required monthly payment. The rep advised they were offering a discounted price to be made in 2 payments. I thanked her but said I couldn't do that now. I wanted to keep my payments the same. The rep started naming my debts and a credit limit on my credit card. I repeated that I wanted to keep the same payment as that was all I could do. She insisted on increasing my payment amount. She began talking about my husband 's income and said, " Well that's an awful big chunk of money for you to not be able to pay more on this account. '' I then told her that was none of her business what my bills were and what all income we had. I stated that I'm paying on XXXX kids college loans and she said, well we all have college loans that have to be paid for books and things. She would not leave me alone about my payment. She said I didn't need to get angry but I told her she was harrasing me and she began talking in a patronizing voice. After many times of me telling her to leave my payment where it was and she kept going, I had to hang up on her and block the number. I know that the call was recorded and all of the information can be verified and it was stressful for my daughter who was in the car hearing it all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect a debt that is not valid I have received a letter from them validating the dead one thing I do not understand is how can you validate a debt with a electronic signature and say Im obligated just like a written signature I have providedA picture of my ID with my signature on it the signature and contract they sent me does not match my signature this account does not belong to me and I have no knowledge of it I would like for it to be removed from my credit report permanently and never to return Account number # XXXX Balance on this account is {$4100.00} And has also been sold to three different creditors it states that in the letter I have received from them for validating the debt how can you validate a debt with electronic signatureRemoved from my credit report immediately That gives me great concern about the credit bureaus Experian XXXX XXXX and XXXX or validating debts that they do no investigation on this is a violation of the fair credit
Product: Debt collection

contacted by XXXX XXXX XXXX XXXXXXXX trying to clam a debt thatis non exciting
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted XXXX, XXXX, and Transunion with accounts on my profile that were not verified or accurate. To date, neither of these bureaus have done an adequate investigation and are requiring me to send additional information to them. 

This complaint is where the additional information will be presented and should be used to process the removal of these inaccurate accounts that are under my profile.
Product: Mortgage

JGWenthworth is holding my escrow funds indefinitely and not paying me interest on my funds. I already paid off my loan. Furthermore, they stole {$30.00} as a last bite out of my escrow after I paid off my loan. I believe JGWentworth is violating Federal Mortgage Housing Lending regulations. They are disgracing US service men who are serving or have served their country.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX and XXXX Please make-up your mind You are reporting me delinquent for XXXX  XXXX XXXX XXXX as followed for 2019 Transunion Delinquent for XXXX XXXX and XXXX XXXX  DELINQUENT FOR XXXX XXXX AND XXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that Citizens has provided you with the current delinquency months yet you Transunion XXXX XXXX XXXX have failed to update it correctly
Product: Credit reporting or other personal consumer reports

An inquiry was done without my permission. on XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains incorrect personal information, leading to the appearance of unknown and inaccurate accounts that do not belong to me. I have been a victim of identity theft, and my information was used fraudulently, resulting in accounts I was never associated with being added to my report. As advised by TransUnion, I filed a report with the FTC and submitted the necessary documentation, yet these fraudulent items remain. This ongoing issue is unacceptable and continues to impact me negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters to each of the credit bureaus by mail on XX/XX/22 regarding unauthorized inquiries posted on my consumer report. I have yet to receive any response or update regarding my claim. It has been more than 30 days and they have failed to look into this matter. as a consumer I have rights to privacy, which each of these credit bureaus have violated. XXXX, TransUnion and XXXX also known as a financial institution have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information being shared to benefit for monetary returns. They are in direct violation of 15 USC 1681 ( b ) - It is the purpose of his subchapter to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, they are also in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which they have failed to do this. I have never given, authorized or verbally consented to any of these transactions. Please be clear that no consent or authorization is IDENTITY THEFT! Their willful noncompliance has resulted in identity theft which I demand to Cease and Desist! Pursuant to 15 USC 1681a ( d ) ( 2 ) Congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transaction and or experiences to be deleted in accordance with my written instruction.
Product: Credit reporting or other personal consumer reports

Remove late payment from XXXX and XXXX of XXXX  for XXXX XXXX XXXX XXXX for credit card ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681
Product: Credit card or prepaid card

I became aware on XX/XX/XXXX, that over {$2500.00} of unauthorized charges was taken out of Way2Go debit Card by a minor ( XXXX XXXX XXXX ) from XXXX for several months. I immediately canceled the card and filed several disputes asking for a full refund and found out today, XX/XX/XXXX, that the card company denied my requests because of insufficient information, and refused to allowed me to file an appeal. I provided Way2Go with a copy of XXXX refund policy that shows I qualified for a refund, along with a letter explaining what happen, so what other proof do they need from me. I asked a representative and she couldn't tell me. I asked to speak to a supervisor and was told none was available. 
I am a young college student with limited income and work hard for my money to pay my tuition, rent, utilities, and other necessities. I requesting immediately assistance in this matter. Thank you.
Product: Debt collection

On XX/XX/2019 in the morning, Sallie Mae called all my family members about a payment that was due. I did not authorize them to call all my family members.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$930.00}
Product: Credit card

XX/XX/XXXX a hard inquiry was made on my credit by JPMCB Card without my knowledge or consent. 
XX/XX/XXXX I received a notification from my bank that I had a change in my credit score. 
I confirmed the fraudulent credit card application by calling Chase Security. They were very helpful and closed the application. I requested the hard inquiry be removed from my record. They assured me no further action was needed on my part. 
I froze my credit and checked my information with the credit bureaus. XXXX listed the information that was used to place the fraudulent application, including the phone number ( XXXX ) XXXX. Whoever uses this number should not be trusted. I am reporting this to hopefully thwart further attempts of fraud.