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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I never gave the cra auth, please remove accnts& inquiries. 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 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 card or prepaid card

Comenity bank, XXXX XXXX  credit card an tried 5 days to pay online and call. No answer and cant pay online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did n't approve these inquires : XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX XXXX. 

XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX XXXX from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance Cap One Inquiry from XXXX XXXX, XXXX Bank Cap One Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance I filed a identity theft a few months back but have not been successful with contacting these people to get them removed and some of the inquires are doubled so they should of known something was n't right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports are showing blank when lenders attempt an inquiry. 

I am a military veteran returning home after my final tour overseas. Despite having fair credit, no debt and outstanding debt-to-income ratios, applications have been rejected for VA home loan pre-approval because lenders only see a blank credit report ( XX/XX/2019, XX/XX/2019 and XXXX XX/XX/2019 ). I can only assume that there is a " lock '' or " freeze '' on my accounts ( which I have NEVER requested ), as numerous attempts to contact XXXX, Experian and XXXX via their on-line and telephone contacts have only resulted in requests to physically mail copies of my personally-identifiable information. 

On or about XXXX XX/XX/2019, I mailed copies of the requested identifiers to these three companies along with a hand-written note requesting the REMOVAL of any and all credit locks, freezes, fraud-alerts or holds that may be affecting these lenders ability to view my lengthy credit history, which resulted in two post-card responses from Experian and XXXX requesting that I physically mail certain identifiers to communicate with them. Now, my credit report shows the " requested '' fraud-alert and security freeze that I NEVER requested from Experian and XXXX  ( XXXX 's note area show no remarks ).

This entire charade is made even more difficult because as an over-seas returnee, all of my household goods ( printed records ) are boxed up and awaiting a residence to be delivered to, and my DoD-mandated overseas banking institution has deleted my account as required ( digital records ), so I can not easily prove any payment history to anyone. I am now homeless with my wife and XXXX XXXX children, despite having a military retirement pension and a good paying job. Thankfully, my elderly father has allowed us to stay with him. 

Please assist in " penetrating the bureaucracy '' with these megalith corporations which make contact a federal affair. 

Thank you, XXXX  XXXX XXXX, XXXX ( XXXX. )
Product: Debt collection

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under Phoenix Financial Serv and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Mortgage

I am submitting a complaint with Fay Servicing and XXXX XXXX XXXX due to their malpractice. In XXXX 2015 I was granted trial payments and an acceptance for SAM modification due to the XXXX dollar settlement for principle forgiveness modification by XXXX. During the time XXXX transferred my account to Fay Servicing. Fay Servicing asked me to re apply and when I did I was granted a higher trial payment. I explained the situation to Fay Servicing and provided proof. Even with the proof that I submitted Fay Servicing they could n't find the approval. I have discus this numerous of times with Fay Servicing and they still refuse to approve it because it is something that only XXXX could grant. It is unfair and unjustly what XXXX has done and that is to transfer my file after it got approved. I have provided all documents needed. Thank you for your assistance.
Product: Debt collection

LJ ROSS AND ASSOCIATES HAS USED MY PRIVATE INFORMATION TO CREATE A COMMERCIAL ACCOUNT FRAUDULENTLY LISTING MYSELF AS A DEBTOR TO THEIR ORGANIZATION. THEY HAVE INJURED MY CREDIT RATING BY PULLING MY CREDIT FILE IMPERMISSIBLY AND ARE GUILTY OF CONSUMER FRAUD AND IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report as provided by [ Credit Reporting Agency, e.g., XXXX, XXXX, TransUnion ]. The information I am disputing is incorrect and incomplete according to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX Inquires : 1. XXXX XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX  7. XXXX XXXX XXXX 8 XXXX  9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX 12.XXXX XXXX 13. XXXX 14 . XXXX XXXX 15. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All experian wanted to do was sell an upgrade to my account. When I called to file a dispute. All 3 of the phone numbers on their website hung up on me, when I tried to talk to someone to file a dispute. The online chat just told me to keep trying. Finally got a website. Which said will be reviewed by XXXX XXXX not fixed.
Product: Credit card

I received a call this morning from Macy 's Collection saying I have not paid my bill. I was on the phone on XX/XX/2016 and paid the account while talking with a Macy 's credit person because I needed the paying information. The payment was made and has already cleared my account and Macy 's has not obviously updated their records. It is not 30 days past due and for me to tell Macy 's on XX/XX/XXXX as I called for the total on the account that I was submitting payment then and for collections to call is absolutely absurd. For my account not to be past due to have a recording of Macy 's supervisor yelling at me that I owe them fees and charges and they refused to close the account unless I paid again for the account and all fees has to be against collection regulation. I was called a deadbeat because I was not paying my account. I want all fees waved and I want this account closed with no penalty on my credit report and I want Macy 's to pay for their collection issues. Yelling at me, calling me names and telling me I have to pay now while refusing to close the account unless I pay right now over the phone.
Product: Debt collection

You had an XXXX XXXX XXXX  account with account number XXXX. 
As of XX/XX/2008 {$400.00} Between XX/XX/2008 and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$400.00} That this is an attempt to collect a debt
Product: Debt collection

To : Discover CARD XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
CFPB Enclosed please find copies of my credit report on my Discover account Accounts. As you can see you charged them off twice on each account in XXXX and XXXX. 
You did not send me a 1099-c on either of these, but you filed with IRS as a write off-I believe that is fraud. I have investigated these and hereby demand you delete the necessary incorrections and clear the mistakes on my credit reports with all 3 bureaus.

Im also sending this information to all 3 Credit Bureaus and other entities to clear my negative reports-You have caused my credit report to drop from XXXX to XXXX scores. At one time my score was XXXX. 
As I told you when XXXX hit in XXXX, I went broke-I have been in XXXX XXXX XXXX leasing office and retail space for 46 years. No one was leasing space for XXXX  years and I had no income. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AVE. # XXXX XXXX TEXAS XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted about debt owed to XXXX by ERC for XXXX. I have never had an account with XXXX or any XXXX-affiliated company. This account was said to have been opened sometime in XXXX or XXXX of 2019. I have sent in a dispute of the debt to ERC and pursued disputes with the credit bureaus. One of the bureaus came back with this as a valid debt, but this is definitely not. This is an account opened due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and multiple additional dates. I XXXX XXXX sent a letter saying there are wrong, unknown, FCRA violating, and damaging things on my credit report. It has been well over 45 days later I have not received a response yet even though I have called and reported documents including identity theft. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been well over 45 days and every proof needed to sustain deletion has been provided so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax data breach which has been proven recently as Equifax sent me a check and letter admitting they are mishandling my Consumer report and violating FCRA guidelines and may have got into the hands of the wrong person.
Product: Mortgage

On XX/XX/2020 I had a house fire which started in the basement as an electrical fire. During my refinance they failed to set up payment for my insurance, so the policy lapsed and was replaced by lender placed insurance. The lender is Bank of America, they sent me what their hazard insurance covered, for which my escrow was charged. This coverage included " fire and extended coverage '', it was " not to limit coverage in whole or in part for damage or loss '', and " claims are to be settled on a replacement cost basis ''. In other words, the insurance I paid for should have covered the repair on the house. 

The insurance policy holder is Bank of America, the insurance company is XXXX XXXX XXXX. They made it clear that my personal property was not covered, nor was my living expenses - I have continued to pay my mortgage while I was XXXX. I made it very clear that I was XXXX  during a pandemic and asked that the claims process was not delayed. The insurance company also told the clean-up company that their service was not covered, so I had to do that work myself. 

The claim process took 4 months. It took a full month for them to get an inspector out to the house, and they claimed that inspector never sent a report, so 6 weeks later they sent a second inspector. On XX/XX/2020 XXXX XXXX XXXX sent me a copy of their settlement, informing me that rewiring the house was not covered because bringing the home up to code was an upgrade. To be clear, there is no option to not bring the house up to code. So, on a claim that started as an electrical fire, with the main breaker board less than 10 feet from the fire, they made no payment for electrical work. 

My complaint is about Bank of America, not the insurance company they used. I paid for coverage which is outlined in their lender placed insurance requirements which should have covered the repair minus the deductible. As it stands, their settlement covers less than XXXX of the cost of the repair, and I've put in over 200 hours of my own time in the clean-up from the fire. Their slow response also left me homeless during a pandemic.
Product: Checking or savings account

Navy Federal Credit Union ( NFCU ) has had my accounts frozen for three weeks now. I have a balance of {$2400.00} in my checking account and a credit balance of {$1500.00} on my credit card that NFCU will not let me access. In addition, I requested to speak with a supervisor in the NFCUs security department twice ; however, I was told that a supervisor would call me back. It has been over one week since I first requested to speak with a supervisor. I desperately need access to the money in my accounts.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Transunion XX/XX/XXXX to inform them about the call I got from XXXX. 
I did a police report on XX/XX/XXXX I received a letter from Transunion on XX/XX/XXXX regarding the information they found XXXX XXXX XXXXXXXX XXXX was accurate. 
I'm disputing this decision. 
I've received paperwork through XXXX XXXX XXXX XXXX. I had the paperwork notarized and sent back. The problem is that their site has no phone number. They don't have my phone number, social security or or address.
Product: Mortgage

BSI Financial Services has collected {$2400.00} in escrow payments for insurance but has not paid the insurance for the property after multiple requests by myself and the insurance carrier. As a result, my insurance has been dropped and BSI has been non-responsive. It is important to note that BSI would not approve the mortgage loan unless the insurance and taxes were escrowed and included in my monthly payments, so their not paying the insurance after demanding the payments be escrowed is fraud and deceptive.
Product: Credit reporting or other personal consumer reports

Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.

The probable cause were to be to remove these things that I disputed on my credit report off of it so I can view my things out These things from my report wasnt me. I just turned XXXX  and I dont know how I have all these things in debt. I was under my moms phone bill, but it said that I owe XXXX  if you can remove all the things that I have disputed off my credit report that would be lovely. Im trying to start my life and start with my credit, but I have these inquiries on there that I have never seen.
Product: Debt collection

Problem XXXX XXXX XXXX is reporting I still have a debt. The amount is {$220.00} XXXX XXXX XXXX is the debt agency that is dealing with XXXX XXXX  debt. 

On XX/XX/XXXX I entered into a agreement with Roach & Murtha , P.C . who was working on the behave of XXXX XXXX  to repay my debt in full. ( see attachment for the legal documents ) On XX/XX/XXXX Per the XXXX XXXX, statement I paid the last payment of XXXX On XX/XX/XXXX, I got the legal document stating that the account is paid in Full. 
For the last 18 month, XXXX XXXX  and XXXX XXXX XXXX report are still report out to all 3 credit company that it is not paid and I will owe the money. 

On Mon, XX/XX/XXXX at XXXX XXXX  I sent XXXX XXXX XXXX the below documents and they still have not done anything about and is still report that it is not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED UNAUTHORIZED INQUIRIES NEED TO BE REMOVED OFF MY CREDIT FILE. THESE INACCURATELY PLACED INQUIRIES SHOULD BE PURGED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE THAT THEY WERE ON MY CREDIT.
Product: Mortgage

THEY ARE KEEPING XXXX OF MY MONEY AND NOT APPLYING IT TO MY ESCROW ACCOUNT. THEY SENT A CHECK THAT I WAS TOLD NOT TO CASH AND THAT IT WOULD BE APPLIED TO ESCROW. HOWEVER, THE MANAGER IS KEEPING THE MONEY AND HAS ALSO DECIDED TO RAISE MY MORTGAGE TO ACCOUNT FOR THE FUNDS STOLEN. 

This is my 4th time submitting a complaint about this fraudulent company. They did not review my closing documents when becoming my new servicer and was collecting money in escrow for my homeowners insurance and taxes and not paying it which is illegal. 

Although taxes and insurance are included in my monthly mortgage I still had to come out of my own pocket to pay my homeowners insurance because it almost lapsed because they did not pay it. They later on sent my a check to reimburse me. 

In error they also sent me a second check I told them it was an error and that I will not cash it. They said okay and that it would be applied to my escrow account. They never reapplied those funds to my escrow account instead they just kept that money and raised my monthly mortgage fee. 


THEY ARE KEEPING MY HARD EARNED MONEY ANT NOT APPLYING IT TO MY ACCOUNT. Every time I call they take responsibility and say it will be fixed and its never fixed. I have called them over a dozen times. Nothing is ever fixed. This company is illegally taking money from customers and not paying taxes or insurance and even raising their monthly payment saying they don't have enough in escrow. I have had this loan for years without any issue until FAY SERVICES came into the picture. 

The new excuse is that cashed the check when I told them that I did not cash the check and I have bank records to prove it, they do not have any band records that show that check was cashed only that it was sent out. The only check that was cashed was the one to reimburse me for the insurance that I paid out of pocket for. 

Please investigate this company as they are doing this 100s of customers
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.
Product: Credit reporting or other personal consumer reports

Problem with a company 's investigation into an existing problem- company and credit bureau clearly did not do an investigation never had this service and social security number different from mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, SageStream , LLC, a subsidiary of XXXX XXXX reported a " credit score '' of XXXX to XXXX XXXX  during attempts to secure a loan for a vehicle. After securing my report from SageStream , LLC, there is no such " credit score of XXXX '' on the report THAT i HAVE JUST RECEIVED TODAY, TUESDAY, XXXX  XXXX, XXXX, unless I am over looking the XXXX pages plus. It is a general understanding that the SageStream , LLC is a personal consumer reporting agency not a personal credit reporting agency that deals with finances. My report consist of my residences, auto report information, insurance information, and the XXXX XXXX report. There is no information regarding how I pay my debts, the debts that I have, and extended credit. Thus, how can SageStream , LLC determine and submit a credit score to XXXX XXXX? 
When I called SageStream , LLC about this, I was told that they had not submitted a report to XXXX XXXX  which appears to be false according to XXXX XXXX  's denial letter to me. There is a lot of confusion, misrepresentation, and harm caused. Originally, I was denied securing my report from SageStream by employees overseas. I had to keep calling and calling and finally secured the attention of a supervisor who sent me the report.
Product: Credit reporting or other personal consumer reports

violated sections 1031 ( a ) and 1036 ( a ) ( 1 ) of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ; sections 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) of the FairCredit Reporting Act ( FCRA ), 15 U.S.C. i68is-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ; sections 1022.42 and 1022.43 of Regulation V, 12 C.F.R. 1022.42-1022.43 ; and sections 807 and 814 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16920,1692/.

The Bureau and Defendant agree to entry of this Stipulated Final Judgment and Order ( Order ), without adjudication of any issue of fact or law, to settle and resolve all matters in dispute arising from the conduct alleged in the Complaint.