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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX MN XXXX ; XXXX XXXX PA XXXX XXXX XXXX MN XXXX ; XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00}.
Product: Credit reporting or other personal consumer reports

This is not my account. I have never made any payments on this account. ECSI is reporting inaccurate and fraudulent information. this is way too old to be new on 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 tems which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX RV Inquired on XX/XX/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 Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX 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 Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the XXXX XXXXXXXX XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Opened a credit card with American Express in XXXX while in college. Credit card account was cancelled in XXXX XXXX with a balance of {$3600.00}. I was making sporadic payments through the end of XXXX and XXXX. Due to new employment, I have been making aggressive payments since XXXX of XXXX to pay off debt on card. I made a payment of {$500.00} on XXXX/XXXX/XXXX, a payment of {$400.00} on XXXX/XXXX/XXXX, a payment of {$500.00} on XXXX/XXXX/XXXX, {$400.00} on XXXX/XXXX/XXXX, and {$500.00} on XXXX/XXXX/XXXX. I try to make a payment for XXXX of XXXX and the website tells me I can not pay through their website, and to call the number on the back of my cancelled credit card. I call the CC company and they inform me they no longer have the debt and that I can not make payment. After transferring me between three different departments and nine different representatives, they are unable to provide me any information on who I need to make a payment to and that they have no information on my account. Logging in through the credit card company, I can see the minimum payment due on XXXX XXXX XXXX {$170.00} ) in addition to recent payments and total balance still owed ( {$1200.00} ). Company will not allow me to make payments on my debt, which according to multiple representatives, is still being held by the CC  company.
Product: Credit card or prepaid card

Involves online purchase of tickets to a concert. Purchase made on XX/XX/XXXX for {$250.00} from ticketstoday, com for XXXX XXXX and XXXX XXXX for XX/XX/XXXX. On XX/XX/XXXX I checked the website and noted the concert had dropped XXXX XXXX. The ticketstoday website said it was no longer selling tickets and could not be reached - all ticket sales were now through the XXXX XXXX ticket office. Their ticket office declined to discuss a sale they did not make. 
I called the credit card issuer BBVA Compass Bank to open a dispute on XX/XX/XXXX but was told the bank 's policy was not to allow disputes later than 60 days after a transaction posts. I told them this violates Federal law since that law allows disputes for 60 days after a transaction appears on a statement which in this case was XX/XX/XXXX.
Product: Credit card

Account paid in full and still being harassed for payment and causing emotional duress and impacting credit score preventing me to get a loan. Have made multiple attempts to try and resolve this and still not provided a resolution. Currently I am locked out of my account to even view potential fraud and balalance charges to even dispute anything
Product: Debt collection

There are XXXX accounts that are mine and i would like for the credit bureaus to delete this information from my reports. The accounts number are listed as # XXXX under Louisiana Recovery Services. Paid in the amount of {$210.00} and {$37.00}.
Product: Vehicle loan or lease

On XX/XX/XXXX I signed a lease agreement at XXXX XXXX in XXXX, NY with Ally Financial for a 39 month lease on a XXXX XXXX The Lease was going to conclude by XX/XX/XXXX, and I decided to purchase the vehicle from Ally on conclusion of the lease. 

On XX/XX/XXXX I took out an Auto Loan from XXXX XXXX for {$35000.00} to cover the sales price of the vehicle and sales taxes. 

On XX/XX/XXXX I sent the loan check via USPS priority mail with tracking to Ally Financial as directed in their lease buyout agreement. 

The tracking indicated that the check was delivered on XX/XX/XXXX After waiting roughly two weeks I called ally to ask about my account status, as I showed I would continue to owe payments on the vehicle under the lease. 

I was told that the check would clear in 10 to 14 business days and that within 30 business days I would receive a DocuSign to receive my bill of sale, and after that was signed would receive my vehicle title in the mail a week after. 

After another week I called again to inquire about my account status. The Ally employee told me the check had been input on XX/XX/XXXX and XXXX XXXX confirmed that the check had been cashed. The Ally employee could not give confirmation or dates of when to expect a bill of sale. 

I called several more times, being bounced between different employees, phone numbers, often being hung-up on, disconnected, or sent to dead end phone extensions with no one on them trying to get ahold of my bill of sale. Multiple times I was lied to by Ally employees, with them claiming to have " put a note on your account '' or that " your account has been placed in priority status '', when upon calling again another day the employees said there was no record of this. 

On XX/XX/XXXX I got ahold of an Ally employee on the phone stating that my account was now in day XXXX of the XXXX to receive my bill of sale, and that it had now been extended to 45 days to get it. In the mean time, XXXX XXXX has sent several letters inquiring about the title, in order for them to be added as a lien holder. 

I am nowhere closer to getting my bill of sale, and Ally will not provide any solutions to the problem, if I am even able to reach someone within the company, which is very difficult to do.
Product: Mortgage

a 2 month deferment was approved in XX/XX/2018 and I was instructed to pay {$1700.00} for the two months of escrow that can not be deferred. Navy FCU applied the payment to the principle and not the escrow and has no jacked my mortgage up {$180.00} a month. After 11 days ( XX/XX/2018-XX/XX/2018 ), of being told the correction would take place within 48hrs, its still has not been down and has caused my mortgage payment to be late due to not having an accurate monthly payment to make
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over the past 9 months been trying to get inquires and trying to get incorrect XXXX XXXX  and XXXX XXXX XXXX of my credit report I have been a victim of identity theft and have been in 17 data breaches and I have also had money taken out of my account sometimes the banks give me the money back sometimes they do not. I was hit from XXXX  XXXX XXXX several times my credit has inquires that are not mine i have filed reports and ftc reports disputes after disputes and keep spending money after money and they are not doing what the consumer law states. I give them disputes of information to take off then they add information. there is even right now a double fraud alert with all bureaus and i have file a police report and i have a active claim with XXXX with the credit collectioon ad still nothing. I have been more than patient i demand that these off my report. police report XXXX XXXX 800 pages of issues with all the reports and they are not doing anything about it. XXXX is getting the report. tomorrow XXXX XXXX XXXX. I depand that all the XXXX XXXX and all the information names and jobs get taken off immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$98000.00} and XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}. Please delete these accounts ASAP.
Product: Mortgage

I was notified of a missed payment that was paid. This was in XXXX of 2016, I explained that I did not think I was behind and made another payment to make sure. Ever since then it has showed a missed payment when they were paid accordingly. My payment status on this loan is perfect and always on time.
Product: Vehicle loan or lease

Account number XXXX The car place Toyota XXXX XXXX XXXX XXXXXXXX; sold me a Toyota XXXX XXXXXXXX for {$10000.00} starting XX/XX/XXXX they started attacking XXXX the bank I had at the time! Taking over {$1000.00} without the car note being due. I asked them to stop they kept on daily through XXXX. In XXXX of XXXX they started threatening to repossess after {$2400.00} in payments. I volunteered the company on XXXX XXXX. I noticed in XX/XX/XXXX they say I owed {$15000.00} but they sold the car in XXXX when I was told the car sold to me for {$10000.00}. Yet XXXX said we need payment of {$8000.00} but no paperwork I dont have anything! Informed on XXXX XXXX if I agree to payment arrangement of {$4000.00} dropped down without seeing any paperwork. I stated I have no paperwork of proof of sold car first and Ill look over and see. I didnt agree.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information.I found there were fraudulent accounts that I have no knowledge of.I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made.I believe I am a victim of identity theft. 
These accounts being reported in my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts.This is a clear violation of my fair credit reporting act ( FCRA ) I ask that the accounts listed below be removed because its in clear violation of the fair credit reporting act section 15 U.S code 1681i-Procedure in case of disputed accuracy.I ask that the accounts and inquiries be investigated throughly and as a result removed from my credit report.
Product: Mortgage

This my second complaint concerning Caliber Home Loans. Hopefully this complaint is premature, but I am sending it anyway. 
Briefly, I submitted a Loan Modification Application in XXXX, XXXX. Due to delayed written correspondence, the need to repeatedly re-submit previous documentation or submit updated/new documentation, and conflicting instructions and info, I had to file a new loan modification application on XXXX XXXX, XXXX, reciept of which which was verified by XXXX # XXXX. He indicated I would have a decision on XXXX XXXX, XXXX. My last conversation with Caliber occurred on XXXX XXXX, XXXX, when I spoke to XXXX, # XXXX. She indicated that no more documents were necessary and that I would have a decision on my new application on XXXX XXXX, XXXX. At to time has anyone indicated that the decision date of XXXX XXXX, XXXX was tentative. 
Today I call Caliber at approximately XXXX and spoke to XXXX XXXX? XXXX # XXXX, who advised that the application was still " in process '' and that there might be a decision today or a " it might take a little longer ''. I asked how much longer and he did not know. He said that that my application was received on XXXX XXXX, and that it usually takes XXXX weeks for a decision. I explained that no, I had been informed that my package was received on XXXX XXXX, XXXX ( it was submitted via email and I have a verification of receipt ). XXXX said he did not see that noted on my file, and offered no explanation of the discrepancy. He also stated that a decision might take longer because we are in bankruptcy. No one has indicated this to me in the past. 
We have lived here since XXXX, and want to continue to do so. It is our HOME. But due to my husband XXXX, our income has been reduced drastically for the last XXXX4 years and it is very difficult to make our mortgage payments in a timely manner. We filed Chapt. XXXX bankruptcy, trying to keep our home. We desperately need help, and thus my applying for a mortgage modification. 
My experience with Caliber has been the most frustrating experience in my life. Applicants can not speak to the underwriters directly. All information must be obtain through a Single Point of Contact ( SPOC ) person, who changes from call to call. Information is provided by them, then changes with no explanation, just excuses, if the discrepancy/change is even acknowledged by the SPOC. Correspondence from Caliber is still taking XXXXXXXX days from the date of the correspondence to the date it is received. 
I have diligently tried to correctly, and in a timely manner, do as Caliber has asked. In exchange, I have been given at the very least, misleading information time after time, and Caliber has not done as they said they would do. 
Due to our bankruptcy, foreclosure is not imminent, but once the bankruptcy is discharged, it is a very good possibility, if Caliber is unwilling to approve my application for modification. 
( Initial case CFPB case no : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate account 's on my Transunion, XXXXXXXX  XXXX  credit report 's it's the inaccurate account 's XXXX XXXX XXXX, XXXX  I paid the account balance 's in full on XX/XX/2020 2020
Product: Debt collection

Received a credit report from apartments i was applying too. Showed XXXX delinquent accounts which XXXX of them was paid in full, then the other by the same bank, was never opened. I tried calling and all i get is a automated system. Then if i get a person its XXXX, and she transfers me back to automated system
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Nuimber : XXXX Account Name : XXXX XXXX  Account Nuimber : XXXX
Product: Credit reporting, credit repair services, 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 XXXXXXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Payday loan, title loan, or personal loan

I am getting multiple calls from ERC representatives, and Ive now received mail from them at my new address. They arent looking for metheyre looking for my ex-husband who Ive been divorced from for two years now. He has never had my phone number ( and Ive been on my own account for at least 3 years now ), and he has never lived at my current address ( which I bought as new construction 4 months ago with my new husband ). I have told them that I am not him, he is my ex, and Ive provided them the correct address. Sadly I dont have his current phone number or I would give them that, too. Every time they call and I explain the situation, they tell me that theyre removing my number and information from their list but I continue to get calls and correspondence from them. I dont understand how theyre getting my contact information but cant seem to find his to contact him since hes the one in debt. They also disclosed how much money he owes them even though I told them I am not who theyre looking for.
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX I called they did not have my account on file it was not verified. Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),
Product: Mortgage

I received a loan modification packet from Wells Fargo Americas Servicing Company for the Home Affordable Modification Program. On XX/XX/2013, I uploaded the requested documents to their Borrower Portal. I uploaded the additional documents requested on XX/XX/2013. I submitted all documents before each deadline. However, my case was closed because Wells Fargo stated they didnt receive them. So, on XX/XX/2013, I resubmitted all the documents requested and asked that they reset up my modification request, per their instructions. Throughout the process, I had to fax and upload the same documents multiple times. Additionally, on XX/XX/2013, and again in XX/XX/2013, I received the same packet with different due dates. On XX/XX/2013, my loan modification request was denied. After receiving a letter from them stating they would begin foreclosure proceedings if my mortgage wasnt current by XX/XX/2013, I signed a deed in lieu of foreclosure. Sometime later, a Forensic Mortgage Analysis found violations in connection with my mortgage loan.
Product: Credit reporting or other personal consumer reports

after carefully reviewing my Chex system consumer report I discovered information reporting that is inaccurate I believe is a result of identity theft Ive been a victim of identity theft before, after reviewing I believe my credentials was used to inquire for product and obtaining services without my consent I contacted the companies involved didnt receive any responses this is a serious matter I request that a investigation take place immediately to protect my rights as a consumer under 15 U.S.C 1681 s-2 Section A a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Student loan

i was scammed XXXX by premier student loan forgiveness program ... i paid them five payments of XXXX, and XXXX a month for several months ... they stropped taking the payment out of my account, which i thought was fishy so i tried to call them and they're closed because of a lawsuit against them ... i really need to gat the money back, and not sure how to go about it
Product: Credit reporting or other personal consumer reports

The following accounts have been listed on my credit report and have violated my rights under 15 U.S.C. 1681 : {$210.00} - XXXXXXXX XXXX XXXX  {$290.00} - XXXX XXXX XXXX {$500.00} - XXXX XXXX XXXX {$750.00} - XXXX XXXX {$2200.00} - XXXX XXXX XXXX Violation Details : 15 U.S.C. 1681 Section 602 ( a ) : My right to privacy and confidentiality has been breached. 
15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include any 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.