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

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX, KY XXXX XXXX XXXX Balance Owed {$6300.00} XXXX XXXX XXXX XXXX Owed {$1200.00} XXXXE XXXX XXXX Balance Owed {$0.00} XXXX  XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX Owed {$120.00} XXXX XXXX XXXX Balance Owed {$85.00} XXXX XXXX XXXX XXXX Owed {$69.00} XXXX XXXX XXXX XXXX Owed {$79.00} XXXX  XXXX XXXX XXXX Owed {$83.00} XXXX XXXX XXXX Balance Owed {$150.00} XXXX  XXXX XXXX XXXX Owed {$73.00} XXXX  XXXX XXXX XXXX Owed {$84.00} XXXX  XXXX XXXX XXXX Owed {$61.00} XXXX  XXXX XXXX XXXX Owed {$84.00} XXXX XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance Owed {$2400.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect balance being reported. Balance should be {$49.00}. Current statement attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a HELOC with XXXX XXXX that was paid and closed in XX/XX/2016. XXXX XXXX continues to report this account to Equifax even after an agreement was made no negative reporting would be done after payment and closure. After several attempts to talk to XXXX XXXX, they refuse to stop reporting this closed account credit bureau. 
This account was paid and closed over 5 yrs ago and should not be reported. They report every month dropping my score.
Product: Checking or savings account

The issue is with Wells Fargo Bank. On XX/XX/XXXX I requested services that were not rendered to me via XXXX. The name of the third party that stated they worked with XXXX XXXX XXXX XXXX XXXX XXXX, and their phone number is ( XXXX ). I contacted the third party and did not receive a response for a deposit towards the services. I allowed 24-48 hours to pass before contacting my bank which is Wells Fargo XXXX I filed a claim and the claim number is XXXX. I also contacted XXXX directly to try and resolve the matter. I contacted them at XXXX ( XXXX ) XXXX. As a result, I was advised to allow my bank Wells Fargo to resolve the matter. 

I allowed the timeframe they advised ; however, after several attempts to have a resolution I was advised to reach out to the third party 's bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the phone number listed XXXX. I was informed a fraud specialist was handling the case named XXXX XXXX. I spoke with them and several representatives to try and resolve the case. Unfortunately, the information that was relayed to me from XXXXXXXX XXXX XXXX XXXXXXXX was that after several attempts to resolve with the third party XXXX XXXX, the client went ahead and closed their account now making me liable for the loss as there was nothing they could do. After several research I was advised to seek legal help, which is why I am now trying to get this resolved with the CFPB. Although I am aware that XXXX is a third party platform utilized by multiple banks, I was advised by Wells Fargo that I could rest assure the matter would be resolved as it may time some time. It is now XX/XX/XXXX and the matter is still not resolved.
Product: Debt collection

Originally I contacted XXXX from AWA Collections phone number ( XXXX ) XXXX on XX/XX/2022 regarding a debt that although I did not agree I owed, It was my word against the company basically. I just wanted it off my report and was willing to pay it if I had to. The issue is that I read several complaints about them taking clients money, but never reporting the payoff to the agencies, so I asked for our agreement in writing. He did not want to provide that. Basically told me I have to just trust them.. 

The other issue arises when I checked my credit report today. They have already sent me a letter stating the debt is {$270.00}, but on XXXX is showing as {$280.00}, and XXXX shows {$280.00}. A couple of days ago I received an alert from XXXX. What AWA has been doing is adding {$1.00} per month to keep increasing it. I was never notified of any of this, and never received a court ordering stating this would happen. They are clearly violating the FDCPA Section 808 ( 1 ) by changing the balance. I am attaching the letter I received from AWA when I asked them to validate.. that shows the amount of {$270.00} and the screenshots from both agencies reflecting the discrepancies.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a dispute with XXXX, Experian and XXXX. with regarding these acounts i've attached the documents. 

i pulled my credit report and seen a few inaccuracies according to 12 CFR 1022.41 ( a )! now i am judging the integrity of these accounts! According to Title 12 Chapter X Part 1022.41.

12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

12 CFR 1022.41 ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : 12 CFR 1022.41 ( d ) ( 3 ) ( i ) ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and I seen XXXX XXXX XXXX on my consumer Report & seen the open dates are XXXX different Date Opened : XXXX XX/XX/2016 Experian XX/XX/2016 and well as XXXX XXXX : XXXX {$2000.00} Experian {$0.00} XXXX Deleted this account but Experian seem to keep reporting this inaccuracy which is Hurting my consumer 's creditworthiness, credit standing, credit capacity.
Product: Credit card or prepaid card

Barclays Bank offers the XXXX XXXX credit card. As a US citizen living on a single ethnicity territory like Puerto Rico, I can not apply to it. The only reason why the application was denied was because the credit card is not offer to US citizens living in a US territory like PR.
Product: Credit reporting or other personal consumer reports

This is not even really related to my issue, but its the closest i could find. My problem started when i changed my name in XXXX, and i only found out 4 years later, but at that time i suddenly became XXXX people with XXXX different credit histories. My score before XXXX was in the XXXX, and i never lived a day with bad credit as an adult. 

However, once i needed to purchase a new car when mine died in XXXX i was denied an auto loan for the first time in my life by my bank XXXX. I have since been denied personal and auto loans by XXXX every time i apply, and my quality of life has been suffering as i can not buy a car without a loan and i can not get a job without a car. I am barely able to escape XXXX  each month because the big three credit reporting companies are reporting incorrect information on me by neglecting to merge my 2 histories. I have the same SSN and date of birth, i even talked to a very rude woman who worked with Experian last year. She laughed at me when i told her i actually have decades of good credit built up until i asked her to search the credit score of my old name with the same XXXX and SSN. She saw it and was surprised, but when i begged her to fix the problem she flat out refused and said it wasnt her job. 

XXXX let me talk to the top woman in charge of loans or something last summer, XXXX, and i was crying on the phone begging her to fix the issue when i asked for another denied loan. I have had many auto loans, personal loans and my home loan through XXXX over XXXX decades as i built my credit history before this XXXX XXXX episode took over my life. They know its me, and they can see all the products i have successfully purchased and paid off with them since XXXX, but they act as if the ridiculously low " new '' XXXX XXXX is my only XXXX XXXX or history. its unbelievable that this could happen, and then i cant find any way to get it fixed because Experian, XXXX and XXXX make it impossible to talk to anyone to get the issue handled and my bank XXXX doesnt seem to care how this stupid error of data entry by some unknown person in XXXX has had disastrous and nearly fatal consequences for me and my deteriorating life. 

I guess the reason i chose the mortgage option to file a complaint is simply because on this current credit history i only just started last year in XXXX, my mortgage history and the fact i sold that house and paid off the loan isnt even on my report. none of my loans for cars or personal reasons are showing. None of my credit cards are showing, all because it was prior to my name change in XXXX. This is destroying my life and i cant keep fading away like this. 

I am now begging you to help me. This cant go on much longer because i will be XXXX  and on the streets soon because i lost my XXXX  credit score and nobody cares. Please help me get this fixed so i can finally get a loan and get a car so i can support myself again! 

thank you for your time XXXX XXXX XXXX
Product: Credit reporting

account with XXXX XXXX XXXX for {$36.00} has been paid in full Original XXXX on XXXX 2014 this account is showing open. after contacting XXXX XXXX and been tolld account is paid in full and closed and was to be removed from all XXXX credit reports still shows open and on reports
Product: Vehicle loan or lease

I traded in XXXX XXXX XXXX  XXXX car to XXXX XX/XX/XXXX. Please update credit report and credit score showing CAR IS PAID IN FULL for CREDIT ACCEPTANCE. Total amount paid was {$20000.00}
Product: Mortgage

XXXX passed away in 2015 and since then I have been struggling with Selene Finance in giving me any information what so ever to reinstate the loan payments on my mother 's home. Here we are 6 years later and I have no resources to help me talk to the company to work with us. And we are facing foreclosure. I would like to stop it and attempt a loss mitigation application or a payoff anything to assist in keeping my home.
Product: Mortgage

Caliber Home Loans, Inc., XXXX. XXXX XXXX, XXXX, TX XXXX ( Account Number XXXX ) maintains a suspected practice of receiving home loan payments before the deadline of the XXXX of the month, holding payment several days and posting the payment after the deadline for the purpose of charging inappropriate late fees. I mailed a payment on XX/XX/2016 and Caliber acknowledged that they received the payment prior to the XX/XX/2016 deadline. However, Caliber Home Loans , Inc. did not post the payment until XX/XX/2016. When I complained that they had adequate time to post this payment before the late fee deadline, they defended themselves by claiming an inability to handle their heavy workload. I feel this is an inappropriate business practice that borders on improper. Customers should not be held responsible for the poor processing of payments by this Mortgage Company.
Product: Credit reporting or other personal consumer reports

I RECENTLY DISCOVERED MY INFORMATION HAS BEEN INVOLVED IN A DATA BREACH AND HAS BEEN FOUND ON THE DARK PRODUCING FRAUDULENT APPLICATIONS THAT MAY HAVE BEEN SUBMITTED IN MY NAME OR MY IDENTITY WHICH HAS BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I HAVE GIVEN MY SIGNATURE NOR CONSENT FOR MY PERSONAL INFORMATION TO BE SHARED OR SOLD TO THESE ENTITIES LISTED AND ARE VIOLATION OF FCRA SEC 604b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I took out a payday loan on my phone but when I tried to pay them back I wasnt able to get in the app nomore and I tried emailing and calling no response and its been damaging my credit for 2 years so far still havent been able to get in contact with them
Product: Debt collection

after being denied a home loan i pulled a credit report, and found this collection. I was not informed of my right to dispute allowed to set up payments or informed before added to credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Net credit is reporting a good standing account on my credit as a collection. I have had this account for years now and have been making payments on it and it is current and in good standing. I however, recently checked my credit and noticed that this account continually affects me because it reports as a collection. This is ridiculous, I am actively paying on this account and it is a loan. I do not owe the lump sum of the loan right away, I am paying it off like anyone would with a loan. Net credit must report this account accordingly as a loan not a collection. This must be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPON TURNING IN A AUTO-LEASE TERM, FAKE DAMAGE REPORT WAS SUBMITTED FOR PAYMENT? 
ALLY FINANCIAL finally wrote off the charge but will not remove my DELINQUENT REPORT FOR " 7 YEARS '' which reduced my credit FICO score by 100 points WITH XXXX REPORTING? 

YOU can't injure a Person 's Credit for " SEVEN YEARS '' [ CHARGE IS " SLANDER OF CREDIT STANDING? & DEMAND COMPENSATION FOR INJURE ]
Product: Credit card

Chase had an offer for a XXXX XXXX XXXX card advertised during a flight with an offer of XXXX points if you spend {$1000.00} in 3 months after opening. There was a link to email the offer that never came through. Chase will not honor the promotion and their customer service will only offer a link with inferior offers.
Product: Student loan

Navient services my student loans. I have requested an income-driven repayment plan, which would delay payments for one year, allowing me to get financially stable. I can not afford payments at this time. I began contacting them in XXXX and attempting to apply for this. They were supposed to email links and paperwork to complete this. I never received that. I called back in XXXX and XXXX, multiple times, and finally spoke to a rep in XXXX who walked me through the application on the Navient and Studentloans.gov website. She said everything was in order and it was handled. I began receiving emails last week that I have loan payments due in XX/XX/2019. Next month. I called them back today and spoke with a rep who claimed there was no signature so it was denied, but she could see the electronic signature so it should have been approved. I was not convinced, so I asked to speak to a supervisor. I spoke to " XXXX, Rep # XXXX '' who was very rude, argumentative and unhelpful. He blamed me for everything and told me that it was my fault, basically. He said they do not accept electronic signatures and that was why it was denied and that I will now have to redo the entire application process and make sure I sign it this time correctly. He talked over me, loudly and refused to answer my questions or help me at all. I was so frustrated with his attitude and talking in circles to confuse me and blame me that I asked to speak to a different supervisor. He refused to transfer me, telling me that he can not transfer me to his peer and that his manager is not in the office today. I finally hung up, feeling bullied, frustrated and back to square one. I just want this handled and for them to stop dropping the ball. I have done everything exactly as they have told me to do, and yet they deny the application due to their own negligence. That is not right.
Product: Debt collection

I applied for a Barclays Old Navy credit card in store in XXXX of XXXX. Someone used that information and opened a second account under my name that I was not aware of. They used the card without my knowledge, I only found out about it after I started to receive many calls, emails, and text messages about my past due payments. I ignored them at first because when I checked my account it was on auto pay, until I realized that they were talking about a new account in my name that I never even received a card for. I called Barclays Bank many times and have been told that both accounts are now closed and the fraudulent charges are not due, however I continue to receive constant communications about money owed. When I call asking why they tell me that the debt collection department isnt aware of fraud departments closing and XXXX out accounts but that doesnt seem right to me. They also would no use any sort of written confirmation that both accounts were closed and no money is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an XXXX XXXX account # XXXX. This account was a fraudulent account due to identity theft. I have file a police report and have mail it certified mail to XXXX. I have also called multiple times about this fraudulent account. They have remove the account initially, but now the account has later been reported back on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, a relative of mine opened 2 prosper loans without my permission. I contacted Prosper Marketplace in 2014 and  disputed the accounts through their Fraud Department which said they would close the accounts and delete them from the CRA, Prosper started reporting both accounts again to the CRA in addition I have been Disputing the accounts through 2 debt buyers, XXXX and XXXX XXXX which I have also sent them the Identity Theft Report from the Federal Trade Commission. I have called numerous times to Prosper and they take my phone number and that their Supervisor is going to call me. According to Prosper both accounts are marked as Fraud in their Department. I will send Prosper again the Notary Identity Theft Complaint and Affidavit and the FTC Identity Theft Report.
Product: Mortgage

We are ready to pay off the mortgage, the lienholder is OCWEN FINANCIAL, we have contacted them several times and they say that they don't have any records on the debt, yet there is a lien filed on the property from them and we have documentation that proves that there was a balance owed to OCWEN. 
We just want OCWEN to give us a payoff and we want to proceed and pay off the loan. 
The attached documents show that there was a bankruptcy chapter XXXX. After the bankruptcy was discharged there is an order to pay OCWEN {$480.00} per month. Also, there is another letter that has an 8 digit account number that shows a balance as of 2017. We call OCWEN and Ocwen says that they can't locate anything with that loan number, nor with the address, nor with the social security number of the mortgagees. We believe that they are not doing all they can to help pay off the debt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item in my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly reporting agency, it remains unresolved. I request immediately investigation and removal of these items, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

I am writing to report fraudulent activity on my credit report involving several accounts and inquiries. Here is a detailed description of what happened : XXXX. Auto Loan : On Time Financial ( Opened : XX/XX/XXXX, Balance : {$10000.00} ) : This account was fraudulently opened without my authorization. 
XXXX. Student Loans : U.S. Dept of EDXXXX ( XXXX : XX/XX/XXXX, Balance : {$2200.00} and {$3600.00} ) : These accounts were fraudulently opened in my name without my consent. 
XXXX. Personal Loans : XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$1000.00} ) : This account was opened fraudulently. 
XXXX XXXX XXXX ( Opened : XX/XX/XXXX, XXXX : {$360.00} ) : This account was fraudulently opened in my name. 
XXXX. Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 

These accounts and inquiries were not initiated or authorized by me. I have already taken steps to dispute these fraudulent activities with the credit reporting agencies but have not yet received a resolution. I am requesting that these fraudulent items be investigated and removed from my credit report immediately. 

Thank you for your prompt attention to this serious matter.