23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The firm XXXX XXXX XXXX employed an employee, XXXX XXXX, to serve me with documents. 

I have an issue because they a ) broke the law and b ) perjured themselves. 

All of this is in the affidavit of service ( attached ). 

The first thing I take issue with, is XXXX 's employee stated he went through my mail to confirm my address. This is a federal crime. 

The second thing I take issue with is XXXX 's employee stated he talked to my neighbor to confirm my address. It is illegal to discuss my debt with third parties. 

The third thing I take issue with is XXXX 's employee stated he affixed a copy of the affidavit to the front door. He did not, I never had anything taped to my door. This is perjury The fourth issue I have is in order for XXXX 's employee to get to my front door, or get in my mail, or view my packages, he trespassed. Based on posted signage, fencing, landscaping, etc., it would be intuitively obvious to even the dimmest bulb that to do any of these things he'd need to trespass. 

If he didn't indeed do these things, then he perjured himself. 

The fifth issue I have is XXXX 's employee did not appear to take due dilligence to serve me. He came by my house on work days and in the middle of the day on a Saturday. It should be no surprise that no one was home. 

The last issue I have is that XXXX 's website does not have clear contact information, nor does the affidavit of service, and I was not able to submit a formal complaint with a supervising attorney. Further, I was required to sign up for XXXX XXXX 's spam mailing list. 

This is unacceptable I believe process servers are given some leeway, but they're not supposed to break the law. Additionally, they're supposed to make a good faith effort to serve me. 

In this case, no clear good faith effort was made, and it would seem the employee perjured himself and broke the law. 

Further, I understand people are trying to " disrupt '' and " revolutionize '' industries, but there should be a clear way for me to contact XXXX and make a complaint, which there is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXXXXXX {$530.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX {$29000.00} Date opened XX/XX/XXXX XXXX XXXX {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX {$5100.00} XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$430.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$11000.00} Date Opened : XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a abusive on and off relationship and I walked away for good, from this relationship, years ago. And every time I would leave this person would offer money and credit cards to come back. I didn't accept them and now I find two Authorize user credit cards showing on my credit report, as bad charged off debt. I have never applied for in person, over the phone, online nor have I signed for these accounts or given permission to the these companies to have my personal information. 

I never received a credit in my name nor have I ever used a credit card from these two companies. Any debt that was acquired on these accounts have no bearing on me, as I have no knowledge of them and didn't request them or use them. There is no documentation or verbal consent from me binding me to these debt and they should have my personal information, as I never provided it to them! 

The accounts are as follows : XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$3500.00} ( authorized user account ) XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that these information is 100 % true, accurate and correct. 
My credit report is showing late payments XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX. 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 the companies customer service representative. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION.

I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
BANK OF AMERICA XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}, BANK OF AMERICA XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00}
Product: Credit card or prepaid card

XXXX  all information sent in response to this complaint I filed are the same lies and fraud. I never requested this account s  XXXX , XXXX , XXXX , XXXX . the   letters I sent signed by  XXXX   XXXX , and  XXXX   XXXX   same executive  Office as this person   XXXX   XXXX   for example account ending on  XXXX  only had 5 day statement and all those charges show that there were phune payment and online reversals on the statement of card ending on  XXXX  that was never created by me. An in addition they show balances transfers. this balance transfer of {$8500.00} you stated to the  XXXX  checking acct. All thi sthings are lies and made up by this individual. You have copies of all letters from   XXXX   XXXX  ,   XXXX   XXXX   and stmnts. i would like to go to court agauinst wells fargo and want this person  XXXX   XXXX  fired or go to jail for his lies.Finally, i pull all my credit reprots and there were no credit inquires at all in those dates they mentioned and I pull my phone calls and none was done as well in those dates. Finally, I never stated that my family member was auhtorized or who did all this. in addiotn spoke with an individual in  XXXX   XXXX   and the re was an individual from wellsfargo in  XXXX  coprorated office ands h ewas the one who transfred this information to th eindividual in   XXXX   XXXX   who state dthis person said that is was my stenson and I dont hav eany stepson at all. Been married 29 years an dno kids with my wife. All this application copy they sent is another lie It show a maiden name  XXXX .   I would like to have everyone involved in all this wells fargo fraud/lies and we can got to court and take lie detesto r teste a nd would to file a law suit asap. They have damaged my credit and I have been with wellsfargo over 12 years never had problems until now and that is why they got charged over  XXXX  millions and they are going to get charged more. I addition I even sent everything to there midiation as they wanted to no avai. EVERYTHING THEY HAVE RESPONDED ARE ALL LIES AND ALL YOU NEED TO PULL IS THEY LETTERS FROM THE DIFERENCE PERSONS SAME  EXE OFFIC E.
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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Has violated my rights. I look at my experience credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatments of inaccurate unverifiable ( A ) in generally, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Checking or savings account

I closed a high yield savings account with American Express in XXXX last year and was told a check was issued on XX/XX/2023. However I didn't receive the check so I contacted them and provided all the information they needed on XX/XX/XXXX. But so far I havent received my money back yet, which is over $ XXXX. I called them many times but no one could give me an answer as to why they haven't sent me a check or when I could get my money. I asked to speak to a supervisor but no one tried to contact me. The last time I called them was XX/XX/XXXX and was told they haven't issued a check to me yet but didnt give me any reason. 

This is the worst experience I have ever had with a bank. Considering the time I wasted on this issue and the value I lost on my money, I would like to ask American Express to pay me a certain amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, XXXX has violated my rights. 
15 U.S.C 1581 Section 602 A states I have the right to privacy.

15 U.S.C Section 604 A Section 2, It also states a customer reporting agency can not furnish an account without my written instructions. 

I have disputed with XXXX the following incorrect Personal Information ( addresses ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX placed on my credit Report, and XXXX has verified as accurate. 

These addresses are not correct and are reflecting negatively on my credit report as they are not deliverable to me by the USPS. The only and correct address I reside in and deliverable to me by the XXXX is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX.
Product: Credit card or prepaid card

I got a Bank of AmericaXXXX credit card about a year ago, solely to get air miles. 2 weeks ago I called to increase the credit limit from {$2000.00} to {$4000.00} since I planned to purchase XXXX plane tickets. I had a brief telephone interview ( no documentation asked for ), and was shocked to be denied, especially as a XXXX XXXX XXXX who owns her house and has had a XXXX XXXX card with a {$25000.00} limit for years. 
After getting my credit score ( XXXX ) & report, I took these to a local B of A in XXXX with other financial documents ( statements, tax return, retirement accounts etc. ). The associate ( also shocked at the denial ) put me through to another telephone reviewer while in his office. With no document review, the increase was denied again. B of A said my credit score was XXXX in their denial letter. 
I tried one more time online with the same result. So despite a monthly income of {$5000.00} ( PERS retirement and Social security ) supplemented with substitute teaching, & no debt I have been turned down 3x ... no doubt worsening my credit. 
And the reason stated in the B of A letter? Having the card " less than 12 months '' & no financial activity with B of A " or our associates ''. This is outrageous self dealing while ignoring a good credit score, report, history and supporting documents.
Product: Debt collection

I sent a letter to XXXX in order to request a formal validation of debt. Now I am receiving notices from TWO companies, both FBCS as well as XXXX stating that I owe them {$2900.00}, BOTH asking for payment. I do not know who holds this debt, and I do not know why I am receiving correspondence from TWO different entities regarding the SAME debt. 

Both company 's statements reference {$2900.00} owed from an original creditor, XXXX XXXX XXXX XXXX, which is who XXXX goes through. 

ALSO, there is a violation on the actual REPORTING on my credit report. According to the Fair and Accurate Credit reporting, FCRA 15 U.S. Code 1681b, Fair Debt Collection Practices Act, 15 USC 1692g, and The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, as well as Section 15 U.S. Code 1681i ( a ) ( 5 ) of the FCRA, the information on my credit report must be fair and ACCURATE. I have attached a screen shot of my credit reports. It shows the 'original lender ' as not correlating the same across all 3 bureaus. Also XXXX shows this account as closed, XXXX shows this account as open, and XXXX shows this account as open. So this is also an inaccuracy where the information is not accurate across ALL 3 bureaus. 

ALSO, there is no proof of contract between me and FBCS, who has continued to send me USPS mail correspondence.
Product: Payday loan, title loan, or personal loan

I was contacted by what I now as an imposter of LendingTree. This individual called themselves XXXX XXXX, and said they were a senior loan manager. They reached out only by text and phone. They had my information already. These events occurred on XX/XX/XXXX around XXXX pm. They called in the morning several times under a XXXX, then texted from a XXXX, telling me I was prequalified for a loan and to call XXXX. I ignored it because I didnt associate the number with the one calling me incessantly until I talked to that individual. They stated they are XXXX XXXX. They had my information, said my requested amount of XXXX was approved, needed to verify my account which they then got access and moved money into my account and around between my savings and checking. Then stated I did not qualify for the loan, that XXXX or something needed to be paid back once the transactions completed. I got off the phone with them realizing I stupidly fell for a scam, so I immediately reported to the real LendingTree so they could be aware of an impersonator of their brand. I then contacted my bank to close my account. I also am working to report this action to the credit bureaus, XXXX, XXXX, and XXXX. I wanted to report it here because I am now receiving text threats which state I will be reported for money-laundering because I have not answered their calls. Which ironically they never leave a voice message and I assume that is because they dont want to be identifiable. I screenshot the texts I received from this individual. I dont want to be criminal charged for anything because Ive never been in such a situations. Im a law-abiding citizen and I dont want anyone else to fall victim to such a scam now or in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit was ran with this company without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Hello. 

I keep getting harassing calls for a debt I do not have. The alleged " debt '' is from XXXX XXXX. The harassing calls and fraudulent debt claims are coming from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These people are also adversely affecting my credit record through this fraudulent claim that they have reported to the credit bureaus. 

Please have them cease and desist the harassing calls. I also want them to remove this information from the credit bureaus and from my credit record. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2016 I financed a car through XXXX XXXX XXXX XXXX ( XXXX ) made my payments on time until I had to stop working due to medical reasons. The car was repossessed in XXXX of 2016. The company has since inaccurately reported to the credit agencies the details of the account. On XXXX they claim it as a repossession and that I owe over {$14000.00} on Equifax it is showing that I owe almost {$8000.00} and it is a charge off/bad debt and are continuing to show late payments for the account. I have disputed this with the company and the credit agencies multiple times and have gotten to response or no solution to the miss information being reported. I have sent letter for verification of debt and account balance and have not received responses from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XXXX and XXXX and XXXX XXXX  XXXX is reporting a high balance of XXXX on a card with a XXXX limit. to all XXXX credit bureaus. I have called XXXX times and sent a certified letter to XXXX  XXXX asking them to send me the transactions that total XXXX. All I get are letters telling me that they are reporting the XXXX correctly but never send me the proof i ask for. 

I make XXXX or more pmts every month because the credit limit is so low i use it for my business and spend about XXXX during the month so to keep the card from getting to close to the limit I make pmts before the closing date.or as I use it. Im working on my credit so I can buy a house. My first one. Now with the XXXX high balance showing I can't get the house because the interest rate went from 5 % to 13 % and my score dropped XXXX points,. So all my hard work down the drain! I have a right to see where this XXXX is coming from and the way I have been treated by this company is completely undeserved. I never go over my limit and i always pay on time. or more.Yet i get ignored when i ask to send me this proof i need. 
I was turned down for a credit card because they said, balance relative to credit limit is too high. meaning a balance of XXXX on a XXXX credit card limit. My credit utilization is 4 % but with this XXXX showing It has begun to cripple my credit reports and keep me from ever getting a house at a fair rate. Im XXXX and I dont have a lot of time to put off buying a house when this high balance is not correctly being reported.and cant get any proof of this from XXXX  XXXX. They wont even let me talk to the people responsible for the report they send to the credit bureaus. I was told it does not get done by a human that it is all done by computer so i cant talk to anyone. The customer service dept says they cant see where the XXXX is coming from yet every month its being reported. I asked XXXX and Experian to remove it until the dispute was completed but they did'nt. Experian I disputed with 2 or 3 times but it comes back in a few days as verified and XXXX  XXXX added DISPUTE RESOLVED and it was not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX 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 ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian on Saturday, XX/XX/2022 and on Tuesday, XX/XX/2022 They stated the verified that what is reporting is correct with XXXX. When in fact that is a lie, but they sent me a payoff letter and i have my bank statement that shows it was paid as well. They are not investigating disputes at Experian. They are literally just saying they have investigated when in fact that have not did any kind of investigation. This is breaking all kinds of fcra laws. I may not be a lawyer, but I have the purple FCRA book and I have read them all.