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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$680.00}.
Product: Credit card or prepaid card

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE XXXX DATA BREACH AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.
Product: Credit card

We both did not go to any of the listed establishments, 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

I submitted the online form to request my credit report annually at the very end was denied access to view my report and was given instructions another options to view
Product: Debt collection

I have never stayed in the XXXX XXXX XXXX as stated in my case before. They asked for proof of residence in XXXX. I have proof and I have police report
Product: Mortgage

I changed my homeowner 's insurance company to XXXX XXXX XXXX XXXX, effective XX/XX/XXXX. The policy covers XX/XX/XXXX to XX/XX/XXXX. FYI-Monies for my homeowner 's insurance and property taxes are a part of my escrow account and included in my mortgage payment. My mortgage payments and account are managed and serviced by Fay Servicing. 

XX/XX/XXXX ; I received a notice from XXXX stating that my homeowner 's insurance policy was not paid on XX/XX/XXXX and that an invoice of {$740.00} was due. I contacted Fay Servicing and requested that they the pay invoice. They instructed me to get a copy of my insurance declaration and current billing statement. I complied and provided them the attached via email on XX/XX/XXXX. 

XX/XX/XXXX ; I received another notice from XXXX stating that my homeowner 's insurance policy had not been paid by Fay and that an invoice of {$740.00} was due. I contacted Fay Servicing and requested that they pay the invoice. They instructed me to get a copy of my insurance declaration and current statement. With the assistance of XXXX 's XXXX XXXX : XXXX XXXX, again I complied and provided them the attached via email on XX/XX/XXXX. 

XX/XX/XXXX ; Again I received another notice from XXXX 's stating that my homeowner 's insurance policy had not been paid by Fay and that an invoice of {$370.00} was now due by XX/XX/XXXX and that my insurance was in jeopardy of collapsing. Based on my conversation with XXXX the payment of {$740.00} had been reduced by {$370.00} due to COVID Relief Fund. 

Throughout my contact beginning on XX/XX/XXXX, I have left messages for my Account Manager XXXX XXXX. XXXX is either busy or never return my calls. 

XX/XX/XXXX ; I contacted Fay Servicing and requested that they pay the invoice. I encountered 6 different representatives, with the exception of one XXXX, Account Manager, most were either unhelpful, rude or transferred me without prompting : 1 )  XXXX. ( not knowledgeable and transferred me without any prompting or explanation ) ; 2 ) XXXX @ XXXX XXXX. ( RUDE needs training or another job-NOT customer service material ), 3 ) XXXX @ XXXX XXXX. ( patient, very nice and tried to get XXXX XXXX on the phone line ), 4 ) XXXX XXXX, various dates and times since XX/XX/XXXX XXXX never available or return calls ) and XXXX ) Finally, XXXX, Account Manager ( polite, helpful and businesslike ). 

It is my hope that XXXX 's instructions ( same process as before ) will resolve this matter but I just do not have any faith at this point. However, I will comply and send them a copy of my insurance declaration and current statement for the THIRD time. 

Fay Servicing has horrible customer service most of the time! I absolutely hate doing business with them. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXXXXXX XXXX XXXX I submitted a CFPB complaint against XXXX for reporting unverifiable public record information to my XXXX credit report and file. The unverifiable public record account being reported by XXXX is as listed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX claims that this public record being reported has permissible purpose because it was verified as accurate by reseller Lexis Nexis as of XX/XX/2022 but Lexis Nexis is saying the complete opposite. Lexis Nexis is saying that the public record is unverifiable at that Lexis Nexis has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. XXXX claim they investigated this dispute and that it was verified as accurate by Lexis Nexis but there is no way they attempted to investigate the accuracy of the information if LEXIS Nexis is saying that the information is unverifiable. If Lexis Nexis sold this information to XXXX and are now saying they can not verify the information and the XXXX XXXX XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that XXXX has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If XXXX refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  before a competent court of law! XXXX can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.
Product: Debt collection

I have sent LJ ROSS a Notice of Dispute and Demand for Debt Validation Notice. They have not responded to my request. When I review my credit report each month LJ ROSS shows a different address to contact them regarding this alleged debt. It is my belief that LJ ROSS is giving false address information in an attempt to never resolve my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I paid my mortgage payment to BB & T bank using my XXXX XXXX account. For some reason, my payment was rejected due to an error in the ACH number. I was never contacted by BB & T that my payment had failed. 

In XXXX, I went to inquire about my credit score to try to look into a better rate for my mortgage and was appalled that my score was significantly lower than it had been previously. I found out that BB & T had reported that rejected payment as unpaid. I contacted BB & T and have a voicemail recording stating that the payment was eventually received, that the payment was backdated, and all late fees and penalties had been removed. That being said, BB & T is refusing to remove the error from my credit report, which is causing me to be unable to seek improved mortgage interest rates. As a XXXX American Veteran, I feel that this is an abuse of power and an act of discrimination in an attempt to keep my existing mortgage from being moved to another company for better rates. 

Let me also add that when I initially contacted BB & T, I was given an address to send a letter to regarding the situation and the reply that I received back from them was that they were not going to remove the bad credit statement. I don't know where else to turn regarding this situation, please offer any insight. Thank you so much. 

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

Select Portfolio Services INC has sent my private payment information to the credit bureaus with out my consent violating my privacy rights as a consumer. It states in the 15USC 1681 ( a ) ( 4 ) and ( b ) that consumer reporting agencies should exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, ( b ) 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. The credit bureaus should not be allowed to add my private payment information to any report sent by a creditor who is also violating my privacy rights by sharing my information without my consent. Therefore I demand that this account be removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}, Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX  : XXXX XXXXXXXX XXXX VA XXXX, Bankruptcy : XXXX XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : US DIST CT, XXXX XXXX bankruptcy XXXX XXXX on XX/XX/XXXX Reference number : XXXX XXXX : XXXX Bankruptcy XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX 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 alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Accounts listed below doesnt belong to me I never authorized nor open the accounts : XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date opened XX/XX/XXXX 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 attached proof of assignment as Executor and a list of bank accounts. The account have been frozen and I was assured from Webster Bank employees that if I submitted the proof from the court that the restrictions on the bank accounts would be lifted. 

I submitted the proper documents to the XXXX Ct branch manager XXXX. Was told I would receive a phone call and have not. 

I left a message for XXXX on Wed, XX/XX/XXXX. I called the customer service line and they would not transfer me to the legal department. This is a simple straight forward matter and should be processed immediately. I have to respond to the probate court with exact balances and can not review them accurately due to the fact I am restricted from signing into the account. I am looking to have Webster Bank remove the restriction so I can sign in and review the accounts that they have hidden from me, including my checking ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX around XXXX PST I called Equifax at XXXX I spoke with the Agent in regards to an issue with my Social Security number being reported incorrect, Banks rejecting a car loan due to something wrong my with Social Security Number. I gave them my SS # in which they stated it was not the # on file it was off by a digit. I was then told to FAX in a copy of my SS card, so I copied front and back of my card and filled out a FAX cover sheet with a description of my problem and followed 2 more pages with the front and back of my SS card. I was told by the agent, 3-5 business days it would be processed. I called 5 business days later. It has not been processed. Waiting 2 more business days, agent put me on hold, never returned to the call. Went straight to a survey. 
I called again, This time I got someone that tool extensive information from me and said again. it is 5-7 business days to process. In which at that call it was 7 business days. My problem not resolved, no fax with my information revived so they claimed. She then told me give it couple days and call back. Today I called, 9 business days from first contact and FAX sent. Agent put me on hold, call sent straight to Survey. Hung up on me again. This is VERY UNPROFESSIONAL and the process time is not what they claim and I am sick of being treated like this and want RESULTS.
Product: Debt collection

I have had constant unsolicited phone calls from Eastern Account System of Conneticut Inc XXXX XXXX  XXXX XXXX CT XXXX They call over and over multiple times in a row when I am at work and disrupt my focus at my job. 

Between XX/XX/XXXX and XX/XX/XXXX I was in a time zone that was 12 hours ahead. Between these dates I received no less than 48 phone calls, with all of them be received well past XXXX my local time. Many of them past midnight. These calls disrupted my sleep and caused me much distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified handwritten letter asking for verification and validation of this debt from I.C Systems and have not received any response in over 30 days. I sent the certified letter on XX/XX/2018, section ( 609 ) of the Fair Credit Reporting Act states that I must receive a copy of the original creditor 's documentation showing proof this account is mine. I have not received a response therefore this account has not been verified and should be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I feel that my information was part of the data breach in XX/XX/scrub> 2024.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a tender of payment negotiable instrument was made in the amount of {$48000.00} this tender of payment pursuant to UCC3-603B included an affidavit of demand for debt validation proof of this will be attached below. XXXXUS DEPT OF EDUCATION has failed to respond to the affidavit on a point by point basis by way of affidavit and sworn under the penalty and pro to validate these claims against XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account : 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  Has violated my rights. 
15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
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 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 XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 reporting agency.

15 USC 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 accurate.
Product: Credit card

Why is BofA double charging my minimum automatic payment each month from my checking account? 

I called both BofA and my XXXX Checking account. 

I do not have auto or external payments of any kind set up at XXXX. 

BofA tells me on the phone that one of the auto payments is theirs, the other is being pulled by XXXX, and XXXX assures me that is not the case. 

Both payments are identical and minutes apart, month after month. 

It is definitely BofA. 

I want this solved these are false billings by the CC company itself.
Product: Credit reporting or other personal consumer reports

Data breach reporting wrong information and even information about where I live still sitting on the report
Product: Mortgage

daughter and i bought a mobile home set up in a parkter on welfare in public housing and im XXXX.She moved in her, her kids and boyfriend.She is cosighner im primary.She left in 1 month.I paid everything down payment and all..She never told welfare she was moving in and went back to the same housing.They have her listed as XXXX owner I asked to take her off they said refinance i asked my bank.they said they need a title the finance place said there was none.I paid for title insurance.It has a serial number..My daughter wont sighn to get it.She can come into this home anytime.She wont let go i told her to pay she wont.I just want out without being peilized or to get her name off the contract.
Product: Credit card

I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within XXXX days as required under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times about items that I have found to be identity theft and of inaccurate. Pursuant to 15 USC 1681c-2 a consumer reporting agency has 4 business days to block information identified by the consumer as identifying theft in 4 business day. Experian has declined multiple times to remove inaccurate information from my consumer report. Experian keeps advising that they did a electronic investigation to confirm accounts was valid by only speaking to the alleged creditor. This investigation process violate my consumer right. An investigate consumer report is personal interviews with a consumer neighbors, friends, and associates and shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer ( 15 usc 1681a ( e ) ). Also I never gave Experian permission to furnish my personal information. Pursuant to 15 1681b ( 2 ) a consumer reporting agency may furnish a consumer report in accordance w written instructions of the consumer too whom it relates. They have never asked me for permission to furnish my report. Pursuant to 15 usc 1681e ( b ) when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about him the report relates. Experian is not assuring maximum accuracy of my report because they are violation my consumer right. After notifying Experian of multiple errors on my report they deleted some accounts per my request. Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) I requested compensation for damages sustained due to the inaccurate information furnished on my report. Experian recieved tht information XX/XX/2021 and still have not responded.
Product: Debt collection

On XX/XX/2018 I received an email notification that my credit score had dropped. Upon checking, I saw that a collections account had been added from Online Information Services on behalf of XXXX XXXX. I immediately disputed the debt, and received the first letter in the mail notifying me of this debt, which is dated XX/XX/2018. I was never notified of this debt by this company, or XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2019, There were four unauthorized transactions made on my account totaling {$690.00}. These transactions were happening as I was at home. I went to see if I had misplaced my debit card and saw that it was right there in my wallet as these transactions were occurring. Someone had compromised my information and was making atm withdrawals at two different locations with my information. I filed a dispute with Netspend. They did not assist me. I have contacted corporate and have only received one e-mail from them promising to assist me and asked me how They can reach out to me. I have not heard anything else in days and it is now XX/XX/2019. My card should not have been compromised this easily and now I am out of {$690.00} and Netspend has not asissted me at all. Furthermore, they promised me a provisional credit until the investigation is complete. They came back only a day after I filed the dispute and said " they found no error '' so my account would not be credited. I know they did not do a thorough investigation into this matter. I would like to know what happened to my funds and how my card was compromised and I would like my funds returned to me. Netspend had a responsibility to do a thorough investigation and they did not.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiry listed on my credit report. I recently obtained a copy of my credit report and noticed that this hard inquiry has negatively impacted my credit score. I request the immediate removal of these inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws. 
XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.