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

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$3600.00} I believe it was reporting in error, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor.
Product: Debt collection

On XX/XX/XXXX I received a notice from Ceders Business Services in XXXX, CA stating that when my wife and I were in XXXX in XXXX, XXXX we got a {$800.00} speeding ticket in XXXX, XXXX XXXX over a year before ). We were never notified by the rental car company that there was a ticket, and I am not sure that we were even speeding. I don't understand how legally they can harass people for an international speeding ticket that we never got .... I believe this is a scam. I looked on the XX/XX/XXXXwebsite and saw dozens of the same story. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX
Product: Vehicle loan or lease

The problem is with Toyota Financial Services. 
Toyota claims that I am 2 payments behind and have been sending me default notices all year long starting in XXXX of this year. At first I immediately sent them the extra money thinking that it would solve the problem I did not even look into it not realizing that I was never behind, in fact I should be a little bit ahead. It the beginning of the pandemic I decided to change careers in an attempt to stay on track with my payments. 
I have reached out to Toyota Financial Services about this issue. I have even gone to the trouble of faxing them bank statements showing my payments. 
This issue currently holds down my credit score in a way that I feel is unfair and unjust.

Currently Toyota Financial Services is accusing me of being late again. I have received a notice dated XX/XX/2021 accusing me of default on 2 payments beginning with XX/XX/2021. They want me to pay them : {$380.00} by XX/XX/2021. 
But this time I have a screen shot of my transactions from their own website showing that I am not in default.
Product: Debt collection

I've submitted to the company that I was a victim of an elaborate scam of identity theft. I have submitted my identity theft report and police reports.
Product: Credit card or prepaid card

Received a Target RedCard in the mail that I had not applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I honestly have no knowledge of this alleged debt, a few years ago my identification was stolen, I have contacted the consumer but I cant get any help from them XXXX oaks XXXX XXXX XX/XX/XXXX Amount {$8100.00} XXXX XXXX XX/XX/XXXX Amount {$560.00} XXXX. Bank of America XXXX XXXX XXXX XX/XX/XXXX I have sent them several letters stating that I dont know anything about this debt and yet I have not received anything nor has it been removed from my credit report.I also contacted all three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF ED/XXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX U S DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX US DEPT OF EDXXXX - XXXX XXXX is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED -  XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX USDOE/XXXX  - XXXX USDOE/XXXX  - XXXX USDOE/XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX ... - XXXX XXXX XXXX XXXX XXXX XXXX ... - XXXX XXXX XXXX XXXX XXXX XXXX ... - XXXX XXXX  is reporting the following accounts that dont belong to me. I am a victim of Identity fraud. I called several time with no resolve XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX NC XXXX XXXX XXXX - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPARTMENT OF EDU - XXXX US DEPT. OF EDUCATIO -  XXXX US DEPT. OF EDUCATIO - XXXX US DEPT. OF EDUCATIO - XXXX XXXX XXXX XXXX - XXXX-XXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX
Product: Mortgage

Because of some issues resulting from XXXX and needing to change jobs, we fell a month and a half behind on our mortgage. we got to a place where we could make the monthly payment again but couldn't make the back payment. We asked for help and got a loan modification. We completed our trial payments in XXXX and have been waiting on the final loan modification paper work since that time.

We have upheld our end of the bargain and have been making our monthly payment still every single month. these payments are not being applied to our mortgage so the credit bureaus think we are months behind on our payments now. When I call to ask about the loan modification I get the run around from multiple people and 9 times out of 10 they try to shake me down for the money Ive already paid them saying that I'm between $ XXXX {$7000.00} behind depending on who I talk to. Additionally I have been told that the paper work is on its way, then the next call it isn't, the next call its with another department, the next call I am told the person handling it will give me a call and a manager will give me a call. The only way I got to file a complaint with the office of the chairman is because I mentioned this Bureaus name.

The Loss Mitigation department who handles this will not answer any of my questions. The only thing they will tell me is that they are submitting an expedite request to have this resolved. Ive asked to speak to managers 4 times and have never gotten a call back. I have filed a complaint with their Office of the Chairman, the person handling that complaint is XXXX and his phone number is XXXX but even he has not been able to get any headway made. 

My credit is wrongfully in shambles and I have very little faith that Citizens will get it fixed. We have gone through proper channels, shown great patience with their departments, but nothing is being done while I continue to be held XXXX and have false reports filed with the credit bureaus that I am even further behind on my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to get this company to correct these issues back in XXXX of XXXX  Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.
Product: Credit card or prepaid card

company discriminates against similarly situated persons : XXXX XXXX XXXX XXXX in the evaulation granting of credit, credit limit. i have excellent credit history in general and with this company. i have had the product advertised as a product with higher credit limit and regular credit limit increases to qualified customers. company denied my request to increase my starting credit limit from {$500.00} 24 times, over 13 months. the company, s advertising promoted this product deceptively. this product is not the product i thought i was applying for, as well.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2023 I applied for unsecured business lines of credit, XX/XX/2023 I received an email from Wells Fargo and Ill put a screenshot and the amount I applied for was {$25000.00} in the email I was told that Ill be notified for my decision within 7 business days and was never contacted to be let known their decision.
Product: Checking or savings account

I have held a substantial cash balance in a Wells Fargo 'High Yield Savings Account ' for several years. The term 'High Yield ' is grossly misleading because the interest rate offered on the account is miserably low. At present, Wells pays only XXXX  basis points ( 0.06 % ) per annum. 

This is akin to the tribulations of XXXX XXXX XXXX XXXX customers ( of which I was XXXX ) who are now the potential beneficiaries of a suit just filed by the CFPB.
Product: Mortgage

Wells Fargo called me a few weeks ago and said I was approved to refinance my home. At {$630.00} per month and starting over at a 2.5 % interest for 30 years. I got behind on my payments from last year due to my company was all laid off for the XXXX support desk for XXXX. They recorded the conversation and said I would have to state that I agreed with their terms stated above to refinance. I said yes I agreed. Paperwork came in and filled out and overnighted to them last week before the deadline if XX/XX/XXXX. Another letter came in a day letter stating that I was not approved. It doesn't make sense why they approved me and I signed the paperwork they would turn around and denied it. I have all the paperwork still. 

I can not afford the {$890.00} payment that it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX are both reporting incorrect information to XXXX and XXXX about account number XXXX. Not sure how an account that has supposed to had been verified, have so many erroneous errors and different information. All are reporting different open dates, Reporting dates are different on all of them, last active dates, and none show any payment history. Not to mention, does this account belong to XXXX XXXX XXXX or XXXX XXXX XXXX? 

Please remove this unverified account, and inaccurate account form my credit profile.
Product: Debt collection

L J Ross and associates is on my credit report. I reached out through certified mail and disputed this information as I never had an account with them. I asked that they verify and validate this information. I asked that they send an original contract with signature, full payment history and whole account numbers. I have disputed this twice. They also failed to update this as being in dispute which is a violation of FCRA. Also not reporting whole true accurate information is against FCRA laws. Please delete from my credit as you have violated many laws and this account is not mine and does not belong to me. This account is yours and belong to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX at equifax because they wiped my entire credit profile out, only leaving derogatory marks of 5 disputes, also they keep adding and removing addresses and information in good standing, now after XXXX XXXX reported and sent 3 Bureaus a letter about reporting incorrect information equifax added it back to bring my score lower, I am disputing derogatory items I was told would be removed along with inquires I didnt request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled Bankruptcy on XX/XX/XXXX, because I had no other option. I was XXXX XXXX from the XXXX XX/XX/XXXX. I am XXXX XXXX XXXXXXXX, and could not maintain where I was or what I had. Numerous attempts were made with lenders to help, and none wanted to assist at all. I received negative reports from the accounts. I had XXXX XXXX with my truck that I returned openly. The reason for this is also XXXX is reporting my accounts that were listed on the Bankruptcy as negative accounts when they should be closed, and its affecting my reports. My wife has sent letters to all three reporting agencies, and nothing has changed as of yet. XXXX is the worst, but the other agencies are also not accurate. According to Section 609,611, and 623 XXXX  was suppose to notify people about inquires on their report that were added back after they lost them on accounts. What they did is just put them back not knowing if it was correct, and not following guidlines. 

Installment AccountXXXX XXXX StatusClosed Balance {$47000.00} Credit Limit {$0.00} Past Due {$2000.00} Date OpenedXX/XX/XXXX Monthly Payment {$870.00} Date Closed- ment History 22N/A 1Negative 1Reposession, Pay Payment StatusRepossession
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ADDRRSSES ARE LISTED IN MY CREDIT REPORT IN ERROR AS THEY DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMIDIATELY AS IT IS HARMING MY FININCIAL WELL BEING
Product: Mortgage

XXXX XXXX, I have another concern that can be added to the pending questions and research. I discovered on the Recovery Modification section, Additions to Principal Balance shows a debt balance of {$13000.00} ; however, the most recent mortgage statement dated XX/XX/2023 shows an escrow credit of - {$13000.00}. Why was this amount added as a balance due instead of a credit? It contradicts the Recovery Modification as it shows this amount as owed, but on the statement, it is a credit. Why was the escrow amount added as a balance due to the unpaid principal balance of {$150000.00}, causing the New Modified Unpaid Principal Balance to increase to {$170000.00}?

Existing Unpaid Principal Balance {$150000.00} Additions to Principal Balance Unpaid Accrued {$7200.00} Mortgagee Advanced for Escrow Items {$13000.00} Subtractions to Reduce Principal Balance : New Modified unpaid principal balance {$170000.00} Is the amount in question showing as a debit, the money I owe, or credit money owed to me? The Recover Modification shows this amount as owed, and the mortgage statement shows a credit. I will also add this concern along with the backup to CFPB for compliance purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I was denied credit based on erroneous information provided by experian resulting in a loss of XXXX for purchase of an item and getting a Best Buy Credit card.

2. Best Buy used fake information provided by XXXX  to deny me credit.

3. XXXX  will not accept my dispute online and the only other way to dispute erroneous information is by a phone number that does not allow you to report the dispute due to a very long hold time and then hangs up on you and has very limited hours of operation.

4. XXXX  appears to not have the level of security needed to prevent XXXX entities from accessing my credit report, as all that is needed is a merchant account and my social security number, which I had to provide when I traveled to XXXX. 

5. Best Buy states that I was denied credit base on my XXXX XXXX XXXX ratio. Since my debt vs. income is very good, this is an impossibility.
Product: Credit reporting or other personal consumer reports

I am reporting an instance of credit fraud that is negatively impacting my ability to purchase a home. Unauthorized accounts have been opened in my name without my consent, resulting in a lower credit score and subsequent application denials. I have notified the credit reporting agencies and taken steps, such as filing fraud alerts. This situation is causing significant stress and hindering my home-buying process, and I am seeking guidance on how to resolve the fraudulent activity and protect my identity moving forward. Please remove the accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA 605B ( 15 U.S.C section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft & fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of loans. XXXX  with a balance of {$900.00}, XXXX  with a balance of {$5500.00}, & XXXX with a balance of {$550.00}. The hard inquiries consist of XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Dealer, XXXX XXXX XXXX, XXXX XXXX XXXX. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023
Product: Debt collection

Glass Mountain Capitol is trying to collect on an alleged credit card debt that is beyond the Illinois Statute of Limitations for this type of debt in violation of the Fair Debt Collection Practices Act. 

From XXXX : " An expired statute of limitation also makes it illegal for collectors to try to collect from you. That wasnt always the case, but recent court cases now make it clear that collectors violate the Fair Debt Collection Practices Act by trying to collect an old debt. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Further, I have disputed this matter with them over the phone on two occasions and I have asked them to cease from all communications with me as well. I am sending them a certified letter to that effect as well.

Glass Mountain 's account number for this alleged debt is : XXXX  I want Glass Mountain to cease all communications with me and to cease trying to collect upon an alleged credit card debt that is beyond the Statute Of Limitations in Illinois and their attempts at doing so are in violation of the Fair Debt Collection Practices Act.