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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a personal loan account opened at XXXX XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX  in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and all collection activity related.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Payday loan, title loan, or personal loan

I applied at Upgrade - all said and good, however, upon approval they asked for information - however, it was TOTALLY broad ... .simply asking for " two years federal tax return '' ... which return? business? personal? which pages? they have no right to my entire return, whether business or personal ... after having waiting 90 minutes on hold to speak to someone after they asked specific questions, they finally told me which specific pages/schedules were needed. this is just so wrong - some people would offer up way too much information. i chose to immediately close my line of credit that was approved because this company clearly has some issues that are clearly worth looking into.
Product: Student loan

My Husband had XXXX discharge due too his XXXX XXXX I filled out the paperwork and spoke to someone on XX/XX/XXXX and I was told everything was noted and now I have a paper saying the loan was reinstated and at the moment we are XXXX and in a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXXXXXX XXXX " XXXX XXXX '' has added an derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection also there was no written contract or signature for the accused debt presented at any time. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXXXXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately. My Hipaa rights have been violated.
Product: Mortgage

My wife and I have been residents of XXXX XXXX all of our lives and want to spend our retirement years in our home. We have done everything we can think of to resolve matters with our mortgage servicer, your company Nationstar mortgage, but our pleas for assistance have been ignored. We are being forced out of our home because Nationstar Mortgage can not get their process together and are failing to communicate with us properly. The servicing of our loan was transferred to them from XXXX Mortgage, but the payments we sent to XXXX XXXX Mortgage and to Nationstar Mortgage was never applied to our loan. Further, Nationstar Mortgage will not speak to us professionally regarding our mortgage and the problems they created. We are in a situation where they are going to take our home away through foreclosure, but it is n't our fault. We are hoping that you could reach out to Nationstar on our behalf and get them to speak to us. We just need a push, not for you to get involved, unless you are will to do so. 

The problem started the end of 2011 when my loan was transferred from XXXX XXXX to Nationstar Mortgage. During our time with XXXX XXXX the service was perfect, but once Nationstar Mortgage took over our mortgage issues began and now has turned into a nightmare. They lost our mortgage payments and this was the start of our problems and they are failing to recognize their errors and correct them. Nationstar Mortgage is refusing to work with us and has declined to take our partial payments. They are now demanding the full delinquency amount. This is impossible and has pushed us further and further behind and we are faced an imminent foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF ED/XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX has violated my rights . 

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

15 USC 1681 Section 604 Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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: Student loan

Back in XXXX, I consolidated my student loans through myfedloan.org. The loan was originally from XXXX. Myfedloan " overpaid '' the amount that was due and never bothered to note the issue. XXXX made an adjustment and myfedloan never noted the adjust of {$500.00}. I have tried to call, call, call, email and write on their twitter handle to no avail. 

This company is committing pure fraud and trying to basically " steal '' money from me and I'm sure millions of others as well. The federal government should take serious company because their business practices are very unethical. When XXXX made an adjustment, myfedloan ignored the adjustment. 

Please reprimand this company and their shady business practices.
Product: Mortgage

Caliber home Loans violated The Real Estate Settlement Procedures Act of 1974 ( 12 USC 2601 ) ( RESPA ), together with HUDs Regulation X ( 24 CFR 3500 ), AND Louisiana RS 13:3852 Notices of Seizure as an official NOTICE of violation of Mennonite Notice for notification, AND sold a lot they had no fiduciary right to sell based on a contract and property description they acquired from XXXX   XXXX.

In Louisiana, the civil law, unlike the common law, has always rejected the notion of " creditor self-help. '' The harshness of common law " self-help '' remedies has been tempered by the United States Supreme Court decisions that use procedural due process to prevent a creditor from permanently depriving an owner of property without notice and a chance to raise objections to the proceeding. Caliber sold a property without properly notifying me, in addition, made the buyer unaware that the home they foreclosed on was on ONE OF TWO LOTS. The second lot was not a part on ANY contract entered into with XXXX  XXXX  ( as can be proven by my contract with an original lot description ) As the owner of the property secured on Account number XXXX, I was never contacted as to the seizure of the property at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX..And the current " owner '' has been made to believe they own the adjacent lot. I am looking to take possession of this lot immediately through settlement or juris prudence.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I possess no insight into this matter, and the company proceeded without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. XXXX XXXX XXXX XXXX incorrectly reported to Equifax And XXXX XXXX that account is 30 days passed due. The account was closed and paid in full on XX/XX/XXXX. I've asked that proof is provided of the late payment status on the account effective XX/XX/XXXX or delete the negative status on this account. The negative status should not have been reported on the account that has been closed since XX/XX/XXXX. According to the Fair Credit Reporting act. this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy USC 1681 604 section 2 ) It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on the account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

To Whom It May Concern, I have called and mail Experian to delete addresses I never lived at and its complete fraud.

I have only one address I live at is below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please delete all these addresses below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Filed previous complaint # XXXX, wells Fargo denied complaint because of previous court litigation regarding " robo signing illegalities. ". 

Wells Fargo did not acknowledge nor address their " robo signing illegalities, '' with regards to the foreclosure documents that I received that were not signed nor notarized. 

The court didn't address robo signing illegalities either. 

Their was a national settlement foreclosure agreement that includes wells Fargo. That agreement specifically states '' settlement does not release private claims by individual.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( XXXX ) ( b ). 
Account name : XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 60 days later, I have not received a response. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that this ordeal has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given any written consent to them or any other agency or third party agency to report any items on my consumer report. I also provided them the FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXX/HEAR DATE OPENED : XX/XX/2020 REASON : UNAUTHORIZED
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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Bank account or service

i tried to draw XXXX dollars from it after inwithdrew XXXX dollars drawer closed and i was shorted XXXX dollars after i appealed they still have not settled the problem and do not eve n bother to contact me and let me know about the outcome of their investigationi have had a large amount of money in checking and saving and at the point of withdrawing my complete accounty and transfering to another trustworthy bank please havethe courtesy to give me a call
Product: Debt collection

In XXXX XXXX XXXX  I disputed this collect that was tied to a different collection agency XXXX XXXX on behalf of XXXX XXXX XXXX for the amount of {$190.00}. They agreed closing the account and removed all adverse actions off of my credit report. In XXXXXXXX XXXX XXXX I received notification that Automated Collections on behalf of XXXX XXXX has applied the same debt of XXXX to my credit report without prior notification and with out the required documentation laid out in the fair credit act to prove it is in fact my debt such as a signed contract from the agency in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed dispute with reporting agency and reporting agencies sent items back as verified without proper investigations
Product: Credit reporting or other personal consumer reports

I have reviews my consumer report and I notice that I have 2 late payments that I have never late for the consumer agency have assumed a vital role and have responsibility to report consumer information to their best of their ability with maximum accuracy I have never been late on payment for the account that I have had including screen shot of this complaint and of dates of XX/XX/year> and XX/XX/year> please investigate and provide provide of late payment. If prof cant be provided I demand paid on time. Thank you please see screenshot
Product: Credit card or prepaid card

On XXXX XXXX, I went to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX purchase a microwave. I was talked into purchasing the product with their credit card which was issued same day for that purpose. The bill later came and I paid the whole money off immediately which was {$75.00}. I did not remember using the card because there was no need for it. Sometimes in XXXX got a bill of {$3000.00}. I immediately called them to contest the bill because I had not used the card after the first purchase and I explained that I'm not a XXXX and I don't even own a house moreover I live alone so there is no need for me to purchase anything worth that amount in a single transaction. 
They apologized and I told them to close the account and that I will destroy the card immediately. They offered to send me another card which I declined. 
I started getting calls from citi Bank on the need for me to pay this money and explained what transpired between me and XXXX XXXX. The calls stopped but the bill was still coming. I called their credit department and I was made to understand that I needed to send the copy of my driver 's license which I did almost immediately. 
Up till now I've not heard anything from them but the bill is still coming and this is affecting my XXXX XXXX.
Product: Checking or savings account

I have XXXX going to XXXX in bill pay, below is what shows in my bill pay. I see the check was sent and deducted from my checking account today. See attachment. Is the XXXX going to be deducted again on the XXXX? 

XXXX XXXX View payment details to XXXX XXXX on XXXX in the amount of {$400.00} XXXX In Proces
Product: Mortgage

I originally had a mortgage with XXXX, and requested a modification, after numerous conversations and requests for paperwork I was working with a specific person, we spoke daily, and suddenly I got a letter that my loan was then with Caliber, after sorting that all out, I had to begin the mod process all over again with them. I filled out the application and sent the documents they requested. shortly after I received a letter that the request was received and is being processed, after that almost daily and sometimes XXXX a day, I would receive letters from Caliber, some saying everything was received for my request for a mod and it is being processed and a date that I should hear back, the next letter would say that my request was received but some documents were missing and are needed and a different date of deadline would be on that letter, and then another letter after that stating al had been received it is being processed and yet another date of when I should hear something by. I had to call and sort it out, and was told correctly and sent what was if anything needed, and tat it was being processed and that I would received information in the mail regarding the next steps, the only thing, however tht I have ever received from them has been letters requesting more, already sent information, or a letter saying its all in and being processed, or a monthly statement. I have never received a mod decision, or my options, in XXXX actually 3 months after I spoke with them about the letter I had been receiving, I received a packet about my options because of missed mortgage payments and a modification application. I called in questioning this, and was told that they never received everything they requested and if I want to move forward that I needed to send in another application, as confused as I was, I sent in the application and all documents yet again, and received a letter stating it was being processed. since then I have received monthly statements from them, I received a letter from the attorney representing them about a publication notice, but never a thing from Caliber in regards to it, nor have I received anything from anyone explaining that any further. I then got a letter stating that XXXX Bank XXXX was now the servicer of the mortgage, just as I had received when XXXX sold to Caliber, that was In XXXX, and since then I have been waiting to receive information to resume or bein the mod yet again with XXXX Bank. I have never been set a decision or options for a modification, I have sent it any and all information regardless of how many times I have already done so. I have been waiting to hear from Caliber so that I can move forward, as I have full intentions to pay for my mortgage, but I had a change in my situation and needed some help. 
I have heard that I am now supposed to leave my home, I am being evicted, yet I do n't know why, or when this happened. because I have heard nothing, like I said I have waited on a decision for mod that I have never received, the options that I am supposed to be given, were not given, " keep homeowners in their homes '' is apparently not at all what anyone wants to do.