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

On XX/XX/year> I attempted to get an on line quote from XXXX  XXXX. I currently have, and have been with XXXX XXXX XXXX for XXXX plus years and they have consistantly raised my rates every 6 months, despite the fact that I have had no accidents, tickets or claims. So I was researching a new auto insurance quote. XXXX advised that my request had been denied based on information provided by XXXX and to contact them for any information disclosure. I was not provided a reference number of any kind. I attempted to contact lexis nexis by phone but can not get anyone to speak to on the phone. I submitted a request, but after submitting, was provided this statement after submitting. " Acknowledgment Message Your order has been received. You will receive a message via XXXX XXXX  within the timeframe allowed by law. We will verify the information you provided with information in our records. We may not be able to comply with your request if we are unable to confirm your identity or to connect the information you submit in your request with personal information in our possession. IN other words i may or may not get this disclosure. I have no debt, have never made a claim on my insurance besides one rock chip and window replace claim, No tickets, Excellent credit. There is NO, Absolutely NO reason to deny me insurance or any other service. I have had issues with Lexisnexis in the past, and it is impossible to get any information from them regarding what they are providing to the insurance company. I need to speak with someone at LexisNexis and determine what information they have and are providing to my Insurance company and other companies because it is incorrect information. I should be able to speak with someone and not may or may not recieve a response 60 days from my request.
Product: Credit reporting

Under another CFPB complaint, XXXX XXXX had gotten information from Equifax although I had not applied for a XXXX XXXX, which was done fraudulently by XXXX. 
XXXX XXXX sent me a denial letter based upon information garnered from Equifax. 
I have tried several numbers given for Equifax , but in the end, the prompt transfers me to a fast busy signal ( essentially cutting me off ). This constitutes a refusal to provide me a free copy of the report that XXXX XXXX viewed fraudulently and denied credit based upon the fraudulent event. Since I am in a posture to obtaining a XXXX mortgage, the above stated could injure my reputation and credit, as well as interfering with me ( XXXX Veteran ) in garnering a home to live, which in the end could lead to homelessness in my last years.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a 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: Checking or savings account

I have an account with 5/3rd bank in Florida for XXXX XXXX  when we are there XXXX - XXXX  XXXX. XX/XX/XXXX I opened the account online to realize a {$250.00} XXXX withdrawal was made on XX/XX/XXXX by a person we do not know, printed, signed and having my account # write on it. I immediately called the Florida branch to report. First thought by them was a clerical error, let me check and will call you right back. A few minutes later I got a call back saying my husband XXXX, was there and showed ID, flat out lie. We don't use that account past XXXX. I asked how he acquired this information, by cameras?? He could not answer that. I was concerned what other personal information does this person have about me. The clerk sent me to the disputes department. First thing they said was the transaction happened over XXXX days ago. My reply, so you don't care money is passed out of your bank without proper ID?? They finally agreed to do a dispute. XXXX days later I received a letter by mail declining my dispute due to the XXXX  day expiration time. I called again to the branch and pleaded my case and again got sent to the disputes dept. This time it took over XXXX  days to get the same decline letter. I finally got the branch in Ohio where this all had happened and got a person there willing to help me. It took XXXX XXXX months of fighting to get my money back for a bank error. I still have no explanation how it all happened in the first place. I did file a police report which is still under investigation. I have never had such poor customer service with a bank or their lack of concern of an error made by them without proper ID.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below 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 These credit accounts are the results of identity theft and fraud.
Product: Credit card or prepaid card

I had some unauthorized transactions on my Discover card between XXXX XXXX 2017 to XXXX XXXX 2017. I  reported this with Discover talked to their fraud investigator and was very clear that only the transactions between those dates were unauthorized. We even went through each one so to make sure there were no mistakes. I received an alert from my familys business checking account that I was overdrawn by more than {$3000.00}. After viewing account information Noticed a Misc. Withdrawl for {$4600.00} from Discover. Further I have been receiving alerts from utility companies for charges placed on my discover card from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Discover has literally reversed every transaction that has ever been placed on My discover card and without my permission marked every transaction as fraud and forced merchants chargebacks. This includes numerous businesses I frequent. I want to make it perfectly clear, the transactions prior to XXXX XXXX, 2017 were all authorized and initiated per the agreement with Discover, which is a Contract by adhesion meaning I had no say in the terms. Discover created the contract and now have violated their own contract at least 2 dozen times. I Have suffered damages that will exceed {$50000.00}. Discovers actions will destroy business relationships, it has cost me NFS fees, charge back fees and late fees. All my accounts due dates are between XX/XX/XXXX-XX/XX/XXXX of every month. Discovers reckless and unlawful actions are forcing me to take tomorrow off work to deal with the damages. I have dozens of calls to make as most departments are closed at the time I was notified of this incident, therefore forcing me to take tomorrow ( Wednesday XX/XX/XXXX ) off work. I have already drafted a civil complaint to file in XXXX County Circuit court against Discover. I believe other family members will be doing the same over the next week since this has also affected them. Additionally, Discover wrongfully closed this account and reported the negative information to all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt has been paid in full since XXXX  2019 and it still shows on my credit as a negative mark, and does not display a status. According to S10 15 U.S.C 1681h
Product: Debt collection

disputed numerous times, requested information showing proof that the debt belonged to me and the debt collector will not send proof. this collection does not belong to me and is effecting my ability to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALERT ALERT FRAUD ADDRESS OFFICIALKY STATED IN WELLS FARGO BANK XXXX XXXX financial crimes investigator for wells Fargo bank Well Fargo bank Customer assistance center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCXXXX FACTS I sent 20 faxes to invalid faxXXXX given to me by XXXX XXXX ( recorded with XXXX paid fax service ) I requested XXXX XXXX to fax her identification and a copy of the XX/XX/2019 dated wells Fargo letter of my identity theft caseXXXX and fraud and forgery case XXXX as per XXXX at wells Fargo. Recorded with wells Fargo. And required forms for my legal records. NO RESPONSE FROM XXXX. PERIOD. 
I refaxed all 20 faxes to wells Fargo bank XXXX XXXX XXXX XXXX XXXX va XXXX XXXX to forward all info to XXXX XXXX AT THAT FRAUD ADDRESS on the WELLS FARGO dated letter attached.. XXXX did not advise me from last weeks communication that the address was not valid. 
I notified XXXX XXXX XXXX # attached screenshot ..at Wells Fargo of the events and to advise me IF there was a XXXX XXXX . No response from XXXX XXXX in this matter. 
So again Wells Fargo bank from my initial in persons reports of fraud activity done in my names reported since XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX .va has not responded appropriately ALL MY PERSONAL INFO WENT TO A WELLS FARGO BANK FRAUD ADDRESS that I was specifically instructed to do so by a wells Fargo bank financial crimes investigator by the name of XXXX XXXX . Letter attached. Mr XXXX phone # attached. 
I called wells Fargo bank again today and spoke to XXXX AT XXXX XXXX XXXX XXXX XXXX va. And XX/XX/XXXX confirmed that the address WAS NOT A VALID WELLS FARGO LOCATION. PERIOD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX, GA ) has been reporting an invalid debt on my credit reports for several years. They did not respond to my initial debt validation letter and have never responded to any of my information requests. There is no evidence from PDQ Services or the original creditor, XXXX XXXX XXXX ( XXXX, GA ), that the monies claimed to be owed are accurate. 

This debt is not valid.
Product: Mortgage

Wells Fargo has been escrowing my account for Texas Wind and Strom Insurance ... where I had no Texas Wind and Storm Insurance since XX/XX/2017..I was told my insurance company ... so Wells Fargo not only XXXX me for the money they collected for taxes ... where I told them and sent documentations that you can't charge me for taxes..I 'm XXXX percent XXXX XXXX XXXX Veteran ... no they took it upon themselves to escrow the Texas Storm and Wind insurance where there was nothing there to escrow ... it's called embezzeling..and fraud ...

I've called them..and this people play stupid ... I'm tired of it..dealing with idiots ...

I paid for my Texas Wind and Storm Insurance where they can't take it out in escrow ... at the tune of {$1700.00} dollars ... My insurance company is XXXX ask for XXXX she is in charge of that insurance ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over 4 months to resolve this late payment issue with the threee credit bureaus. The Account in question is XXXX XXXX Account number XXXX. I have no record of being late. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all my credit report.
Product: Credit card

This all started when I realized my existing physical credit card expired on XX/XX/XXXXXXXX  and my replacement card was returned to CapitalOne due to a move. I called CapitalOne to request my card be mailed to my new address. After confirming my new address and identity, I was assured by the CapitalOne customer service rep that my replacement card would arrive within 5-10 business days to my new residence. After some time, the card arrived and everything was just fine. Until it wasn't. 

XX/XX/XXXXXXXX  : I received in the mail a new credit card application ( App ID : XXXX ) and in order to complete the appliation, I was to submit additional documents by XX/XX/XXXXXXXX  otherwise CapitalOne would not be able to continue processing my application. I never followed through with submitting these documents via mail or fax. 

On XX/XX/XXXX, I received a letter stated I was approved for a credit card issues by CapitalOne with a {$500.00} credit limit for application ID XXXX. 

XX/XX/XXXX : I called and reported a fraudulent claim against CapitalOne. I was not given any help and was told to make a report with my local police department but was not given the name or employee ID of the rep who was in charge of sending my card to my new address or why an application was started with my name and approved even when I didn't respone. 

REFERENCE INFO FOR COMPLAINT : CapitalOne CASE # XXXX Employee : XXXX / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and605A(b) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My two private student loans are at 11.75 % and they will not give me the promised discounts with auto draft and their reason is i just don't qualify. These loans from Navient are impossible to pay off! I have tried to talk with them and reason with them and no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed Experian to remove this address from my credit report because I never lived there and they refuse to remove it. The address that is showing on my credit report is XXXX XXXX XXXX XXXX fl XXXX I have sent in letters numerous of times and they refuse to remove address.
Product: Mortgage

My mortgage servicing company has changed. New American Funding is my original loan servicing company. My account has been transferred to XXXX XXXX XXXX  effective XX/XX/2019. New American Funding ( NAF ) sent me a letter dated XX/XX/2019. The letter explained my loan transfer and supplied a new account number. The new account number does not work. I have called XXXX XXXX  XXXX ( XXXX ) and waited 1 hour on hold with no answer. I visited XXXX website and the account number supplied by New American Funding does not work. I called NAF and they advised that I reach out to XXXX for my concerns. I have no way to get in contact with XXXX. I have searched online for XXXX XXXX XXXX reviews and everything I found is negative. I am very worried because all reviews included issues with ; finding an account number after a service transfer, improper late payments per credit bureaus, improper payment of taxes per escrow, improper application of escrow payments, and improper handling of account payments when applied to principle vs upcoming payments.
Product: Checking or savings account

I have {$57000.00} money with Juno app and right now my money is holding since 8 months due to bankruptcy and. Evolve right now distributing money and I got email how they will do reconciliation process and I came to know that they are only giving me {$12000.00}, instead of XXXX. I keep my all savings in Juno account and where is my remaining amount. 


I appeal to evolve bank and didnt hear anything. I have claim number and all details with me Please help me to get back my full amount
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Name : Address : Date of Birth : SS # : Date : To Whom It May Concern, I received a copy of my credit report and found the following items are in violation of the law.

There are laws that are put in place, and YOU must follow and clearly you have broken the law with these errors ) on my consumer report below. I never received any statements for the following accounts, which is violation of U.S Code 1666. I never received a statement delivered 21 days of the due date.

Pursuant to 15 U.S.C 1666b ( a ) a credit may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose. 

Please update the following account below : 1. Account Name : XXXX XXXX. Account NumberXXXX I demand these violations be removed and/or updated on my consumer report immediately.

You never conducted a investigation prior to adding these remark on my consumer report, so a reinvestigation is necessary. I understand that under 15 U.S.C. Sec. 168li ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Sincerely yours,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is keeping me from cancelling my subscription. When I try to log in I am told it is the wrong login information which is the information I keep in my XXXX XXXX account. When I try to get help logging in I enter all the information they request such as Social Security number, name date of birth, mobile phone number and email address, I am told that they are unable to help me. I have already signed up for XXXX  Credit Reporting, so can you see my dilemma? Thank you for any help you can provide me.
Product: Debt collection

A couple weeks I received a voicemail from " Bank of America '' to call with an urgent business matter. I have been in communication with the real BoA so I did call, they stayed I owed {$710.00} and if I didn't pay they'd send me to collections. I told them I had paid. Then I realized it was fraud and hung up. I called the real BoA and they confirmed neither of those calls were from BoA. I blocked the number. I now receive a letter from fake " BoA '' staying that I owe {$710.00}. They want payment to po box XXXX XXXX, CA XXXX phone # XXXX. I am obviously not going to pay or reply.
Product: Credit reporting or other personal consumer reports

Nothing happened they confirmed everything and said it was updated and confirmed. I need help because iv already been apart of stolen identity. I feel it is because of XXXX XXXX and XXXX! I have been experiencing these problems because of them! What came I do? Also All three bureaus blames everyone else! Why?????