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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is the third time .... experian first refused to remove the bankruptcy, second agreed to change it to dismissed... I'm writing this time because they have the wrong date. The bankruptcy was dismissed in XXXX. They incorrectly have the date as XX/XX/XXXX or it is not my information. I would like to see a signed document from the date they have listed. Otherwise simply correct the mistake and remove it from my credit report like the other credit reporting agencies have!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts 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 & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

From the months of XXXX of 2021 I was in transition of jobs got diagnosed with XXXX and fell behind on everything as a single man. When I spoke with the rep/ debt collector via phone call he stated that we could place a freeze on the card to prevent further transactions and as long as I was able to make the agreed upon payments and became current they would remove the late payments. I held up my end of the deal and Im having a hard time getting the team to remove those late payments.
Product: Mortgage

We had a home built by XXXX XXXX XXXX in XXXX, NJ.in XXXX. The materials used during the process are off gassing a toxic gas called formaldehyde. Specifically the floor joists manufactured by XXXX. They are called XXXX joists. XXXX XXXX  was made aware of the problem and also made aware that with these products are in the home, the home resale value is much lower now because of the mere fact that these are in the home. The joists have been sprayed with a grey paint by a contractor hired by XXXX which was applied very poorly. It did not meet the standards that they set for the application of the paint. They came out a second time to repaint the joists. After a recent home inspection to check the air quality and what the white substance was growing on the joists, we noticed an electronic devise operating within the problem area. After research we found that the device is designed to eliminate formaldehyde  within a room of 2000 square feet. This devise was installed for no other purpose than to skew the air quality results. Even though that devise was present, the air quality still tested high. 
The tax accessor has devalued the property because of the problem, and the township has not given a certificate of occupancy because of the problem. The home is obviously worth much less than the loan amount. Anyone that is aware of the problem agrees that the home is devalued. 
XXXX XXXX  does not see it that way and have been trying to force me to close on the construction loan a transfer to a conventional loan. I have been making the payments per the loan agreement but in XX/XX/XXXX they stopped accepting my checks and actually refunded one of the recent payments. Then they sent me to collections which affected my credit score dramatically. I really need someone to have them to do what is right. 
Thanks
Product: Debt collection

XXXX XXXX came to my house and spoke with my daughter who was XXXX at the time and convinced her to let them install insulation. I did not want them to do this and never contacted them to do it. I never meet with them was not even home when they came to do it. Never had any dealing with the company, never signed a contract no one had authorization to sign on my behalf. the first time I knew about this happening is getting a bill in my name. I have tried to contact the company with no response and have contacted the collection agency to inform them that it was not my debt. was inform that it is to bad that i had to pay. It is not my debt. I did not authorize anything. was not home to know anything. I am not responsible for this.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I am having trouble with financing I received for some auto repairs on my car. I never received a copy of my signed agreement and was told by the shop I received the services that the company will email the executed agreement. I had some family business ( caring for parents  )  to tend to after I got the   XXXX   fixed and was n't able to follow up.The company began debiting my account for the amount agreed but then they started debited my account on days not agreed  (  every other Friday  )  and caused overdraft on my account, which they continue to do. So as I tried to get information online about the contract I found out the actual financing was a LEASE contract for the PART used in the repair and after a certain time I would have to " return '' the  XXXX  equipment at the end of lease. Essentially I am renting the repairs made to my car and not financing the repair cost as I was originally was told. In neither the Tempoe agent I spoke to or the representative at  XXXX   XXXX  referred to this as a lease agreement and I was not advised the that I would be returning the repair equipment. I called in to  Tempoe  a copy of my executed agreement online and he said the agreement was on the web account. The agreement has no time stamped signature or the electronic signature I signed on the pad at  XXXX   XXXX . I have requested a copy of this and any other documents of my lease agreement and the company refuses to send it to me. The agent spoke to  XXXX  says that they do n't have hard copies of the agreement to send me. I asked him for any paperwork for this loan to be sent to me and they have failed to send it. He also, said I can purchase the equipment for a fee. I feel like from beginning there was was deceptive loan origination practices and this company is not disclosing to their customers that they are entering lease agreement for equipment financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained my free credit report through the XXXX cite. After revising the information in depth. The XXXX on the XXXX report was incorrect. The addresses shown only XXXX were correct. Additionally, accounts that I have closed and paid off still list on the Accounts open, and also credit cards that are XXXX XXXX XXXX still reflect under Total Accounts. I show XXXX to XXXX accounts open which in incorrect.
Product: Checking or savings account

My EDD payment was paid into my XXXX account XXXX acct # XXXX in the amount of {$1200.00} NFCU took that money despite the fact that I was advised by XXXX in security that EDD was protected funds and that it would be returned. It never was and when I requested a list of protected funds I was advised it does not exist. I than stated than you must return the money you took as you can not prove you had a right to. Since my compliant they have given me the run around and have now taken my account and it appears to have been closed. NFCU as removed /deleted correspondence between us and I can not access it anymore. They have been covering up the violation against me with intentional actions to prevent me from defending my position
Product: Mortgage

I am disputing the debt owed to Select Portfolio Servicing for Acct # XXXX under the name of XXXX XXXX. 
Select Portfolio Services my loan on behalf of XXXX XXXX XXXX XXXX XXXX, as Indenture Trustee, for the benefit of the holders of the XXXX XXXX   XXXX XXXX XXXX Mortgage Backed Notes. 
I dispute the legitimacy of the XXXX XXXX XXXX XXXX XXXX Mortgage Backed Notes. 
I have asked Select Portfolio multiple times for information on this trust and have never gotten a straight answer describing or proving it's existence. This is unacceptable to me. 
I have fallen way behind on this mortgage payments mainly because there has always been an issue with the way this mortgage has been serviced. There have been many deceptive practices by Select Portfolio Servicing. 
They seem to be more intent on foreclosing on this property than giving me the answers I need to have confidence on where my money is actually going. At this point I would be blindly paying them just to keep my house from being foreclosed on. 
I have spoken to XXXX XXXX  and they can't even give me information on the trust.They tell me that it is XXXX XXXX who has the information on the trust ... I call them and nobody and can me anything about it. I talk to the folks at Select Portfolio and they know nothing as well. This is very odd to me. 
I want to settle this and get my mortgage back on track. I have the funds to get things back to where they should be I just need some clarity on where my funds are going. Thus should not be such an outrageous request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I went on a trip to Hawaii 's XXXX XXXX and purchased a snorkeling activity voucher on XXXX for {$140.00}. However, due to weather conditions, all water activities were canceled, and I was unable to book any snorkeling dates before I left the XXXX XXXX. I called the merchant, and they advised me to contact XXXX for a refund. When I reached out to XXXX, they refused to issue a refund and only offered to add credit to my account. Since I dont typically use the app, I declined the credit. 

On XX/XX/year>, at XXXX XXXX I had already boarded a flight and left the XXXX XXXX. However, XXXX records show that my voucher was redeemed at XXXXXXXX XXXX  that same dayan impossible scenario, as I was no longer on the island and could not have participated in the snorkeling activity. This clearly indicates that XXXX falsely redeemed the voucher themselves. 

I attempted to dispute the charge with my bank, but XXXX provided evidence claiming that the voucher had been redeemed. The bank ultimately sided with XXXX and rejected my dispute. However, the bank does not allow customers to submit any evidence online to prove their case, leaving me unable to provide proof that I had already left the island before the supposed redemption time. This situation is clearly deceptive, as XXXX unilaterally redeemed the voucher and took my money without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX / XXXX CREDITOR : XXXX / XXXX  DATE ASSIGNED : XX/XX/2017 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXXXXXX XXXX / XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request to Take this company off my credit report I never authorize the company to put their information on my credit report I have already expressed that they take it off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of these accounts listed on my credit report. No one should have my personal information to apply for credit card loans without my permission. These accounts do not belong to me therefore they should not be reporting on my credit. 

XXXX XXXX XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXX   XXXX XXXX  XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX - XXXX "
Product: Debt collection

The collection company, financial recoveries, claims that they sent me the verification letter after they talked to me, but the fact is that 1 ) I did not remembered that they ever contacted me and 2 ) I never received the verification letter. I do n't know this debt until the landlord told me I have a collection record in my credit report. 

The reason I did not receive is might be they send to my old address. It 's their mistake in their job that fails to verify my information before they sending out the document. The key thing is that they put this information into my credit report without sending me the verification letter, nor notifying me that this debt has not been paid by the insurance yet.
Product: Money transfer, virtual currency, or money service

I have been a Paypal customer for at least 20 years and their customer service has often not been the best. They outsource most of their telephone customer service which means they deliberately make communication difficult. My long history with them appears to mean little. 

The problem is they placed a limitation on my account last week due to suspicious activity. I had made only two transactions in XXXX. One is a recurring debit for {$9.00}, and another was a payment to a merchant I had sent a payment to for {$3.00}. 

I find their suspicious activity claim to be dubious, so I attempted to ask them why. But because their service is so bad, and because they outsource their customer service to other countries when Americans need jobs, this usually does not help. It did not help this time either. They refused to tell me what the suspicious activity is, and demanded I send them a copy of my driver 's license. I offered to call in and verify information but they rudely refused. 

I tried one more time to get information and this time, they said they needed a copy of my driver 's license because of the Patriot Act. 

Are you confused because I am? Which one is it. Is it the Patriot Act or suspicious activity? I guess they figured that I was not going to believe the suspicious activity act they were putting on since there had been none ( only two transactions totaling {$12.00} to previously paid merchants ) so then they tried to use the Patriot Act as an excuse. Then the last representative rudely told me basically they did not care if I used the account or not but they would keep it locked down. How is that for bad customer service? They should win an award! Oh and then they closed the message thread so I could not reply. They should win two awards. 

Since they make it impossible to speak to someone in the USA, and since they refuse to tell me what is really going on with my account, and since they have been extremely difficult to deal with, I am filing this complaint. 

I will not be sending them a copy of anything just because they demand it if they are not even going to bother explaining why. I have been a customer since XXXX or XXXX and I could probably verify any information they needed over the phone like all my other credit cards do when there is suspicious activity. 

I think it would be great if you could investigate what is going on with Paypal and convince them that shipping jobs overseas is a bad idea. But most of all, I think it is great that I do not work for Paypal because I do not think I could do the things they do to customers and ship hundreds or thousands of jobs overseas and live with myself. I do not know how they do it. I would like to keep my Paypal account open but if they really do not want my business, I will have to think about it.
Product: Money transfer, virtual currency, or money service

Previously, I had repeatedly received spam mail from PNC Bank about offers. So, in Complaint # XXXX filed on XX/XX/2018, I had requested them to opt me out of all spam mail. 
Thereafter, I stopped receiving spam until now. Yesterday, I once again started receiving spam mail from them and I have attached scanned copies of the front and back of the mail for reference.
Product: Debt collection

This is not my debt Keep calling after I've told them that {$770.00} debt
Product: Debt collection

I discovered XXXX XXXX XXXX XXXX posted a collections account on my transunion credit report. They listed a balance of {$790.00} opened on XX/XX/2021. This information is false and fraudulent and I have not heard of this company. Reading the original debt collector name as XXXX XXXX, I recognize this was a previous collection account that was deleted because it was fraudulent. Now they have come back as a new company. The XXXX XXXX  collection account was deleted and resolve 6 years ago as fraud, now they have come back as a new company and reporting a new account opening in 2021 with the same fraudulent information.
Product: Debt collection

Starting on XX/XX/XXXX and everyday since this company. Says she is with K & P Consulting. Has called my father, mother, my husband 's uncle, and myself making multiple threatening phone calls. About showing up to my home or work. And releasing information to people who are not legally or financially connected to me.
Product: Credit card or prepaid card

I applied for this card using the promotional flyer issued in flight that clearly states there is no annual fee in the 1st year. Also it comes with XXXX mile once a transaction is made within 30 days. I fulfilled both, yet I see {$99.00} annual fee assessed and no XXXX mile given to my account. I called 2 weeks before upon seeing this 2 weeks ago and I was told it will be taken care. Two weeks passed and I see the statement still showing the annual fee assessed and no XXXX miles issued to my plan. Hence I called today and spoke to the same customer service agent and she says there is change is in terms in XX/XX/2020 that voids both of these promotions. This is cheating the customer and is fraud. Upon raising this she said, there no promotional code applied which is a lie, I used the code that was had written in the flyer. The card was issued before the terms were changed hence it should not be applied. Even if you were to apply the change in terms after the card was issued when the promotion was in effect, the customer should be given the choice to walk away due to this cheating practice or due to the falsified promotion you offered. I asked that the account be closed, and no annual fee be assessed. You denied that request also and stated the annual fee will still be assessed. I will be raising this as complaint to the federal trades commissioner also shortly.
Product: Checking or savings account

I maintain a business savings account with CapitalOne - an online bank. On XX/XX/XXXX, I received an email requesting personal information that I assumed was NOT from the bank. Among other things, the sending address included " salesforce. '' I called the bank and explained what I received and they confirmed it was not from them. I asked if they needed the personal information requested in the email, and was assured they had what they required for my account. The customer service agent asked me to forward the obviously " phishing '' message to < XXXX > which I did and heard nothing further until ... 

6 weeks later I received an identical message, ostensibly from CapitalOne but once again with " salesforce '' in the address. I once again forwarded it to < XXXX > and heard nothing until receiving a final email on XX/XX/XXXX informing me my account had been closed because I hadn't complied with their request. 

I called the bank and spoke with a supervisor who had no explanation for what had happened. I asked to speak with someone who handled cyber security - I am a technology professional - and was told that it was not possible. 

I asked for an immediate check for by account balance, but have not received it.
Product: Credit reporting or other personal consumer reports

A child support case was unlawfully opened In XX/XX/2010 No due process was given I went to department of social health and services and requested the summons and complaint, proof of injury in fact, proof of service, default and the judgment paper. I was only given proof of service. Which the address stated on the paper was not the current living address for me. And A copy of Certification Of XXXX XXXX. 

I also went down to my XXXX XXXX clerks office to request the judgment paper and was told there was never a case opened against me, which again makes it unlawful according to XXXX XXXX XXXX