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

On XX/XX/year>, I mailed in a dispute to remove accounts that are on my credit file due to being a victim of human trafficking. Based on the tracking information ( XXXX XXXX ), Equifax received this mail in dispute on XX/XX/year> at XXXX PM. I also filed a dispute online on XX/XX/year> regarding that information that needed to be removed due to my being a human trafficking victim. When I called to check the status of the mail in dispute, I was told that they didn't even have my documents. This is now the sixth business day in regards to the mail-in dispute and there is still no update. I called in the morning of XX/XX/year> to get an update on the online dispute with the confirmation number XXXX and I was told that there is no estimated timeframe to get an update. This is now the eighth business day according to the representative. Based on section 605C of the Fair Credit Reporting Act ; " After receiving your submission, the consumer reporting agency has four business days to block the information.

However, under limited circumstances, the consumer reporting agency has five business days to request additional information from you. '' All timeframes have passed to both block or request additional information and Equifax has refused to do both.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$85.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

amerisave mortgage company checked my credit without my consent or permission I was told it was a soft pull but it shows 4 times as a hard inquiry No one will help
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

NEGATIVE ACCOUNTS : XXXX XXXX -XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Good Evening, Today I Had To Request A Copy Of My Credit Report Because I Am In The Process Of Getting Ready To Purchase My First Home. After Receiving This Copy Of My Credit Report I Noticed A Few Account On There That I Never Opened, & Immediately Realized That My Identity Has Been Stolen. As You Can Imagine This Has Had A Serious Negative Impact On My Credit. Please Assist Me In Moving These Fraudulent Account On My Credit Report Expeditiously.
Product: Payday loan, title loan, or personal loan

World Finance Co, aliases World Finance Corp.is reporting to All three credit bureaus agencies- XXXX, XXXX, XXXX, with different account numbers reporting differently to all 3 credit reporting agencies. World Finance CorpXXXX is reporting duplicate accounts for the same amount of {$430.00} opened on XX/XX/2017 & XX/XX/2017 - {$430.00} Second account XXXX. Another account number XXXX, opened on XX/XX/2017 & XX/XX/2017 - {$430.00}. This account I never opened or received money from creditor. Identity theft. Per Fcra Rule 623 ( a ) ( 6 ) ( b ) - consumer notifies you that he or she is a victim of Identity theft, and gives an identity theft report you XXXX not furnish information to the CRA regarding fraudulent account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fcra rule 609E. 
I am attaching my ftc identity theft report, driver 's license, police report number for XXXXXXXX XXXX police department, utility bill.
Product: Debt collection

disputed XXXX bill was put into collections in the year 2006, no action was taken by XXXX at that time. now a collection company by the name of jefferson capital is trying to collect the amount owed to XXXX and it has been over 10 years from the date we had the dispute on the phone service plus it was on the credit report still. ilooked online about jefferson capital and a lot of the reviews said that they change the dates of the collection dates so they dont go over the 7 years allowed by law to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name WESTLAKE FINANCIAL SVCS Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Open. Deferred, payment date not reported Status updated XX/XX/XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Recent payment {$480.00} Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I initiated a Bill Pay via Capital One 360 for the purpose of submitting earnest money in for a home purchase. The Bill Pay portion of the Capital One 360 website indicated the payment would arrive via check on XX/XX/XXXX. The payment was delivered 3 days later on XX/XX/XXXX. The late payment resulted in a delay of the closing due to the funds not being available to use against reserve requirements, mandatory for a home loan closing. When I spoke with Capital One they blamed it on a 3rd party Bill Pay company and explained it was not guaranteed to arrive on XX/XX/XXXX, when in fact the website showed the payment as " delivered '' on XX/XX/XXXX. Given this error and impact on the home loan close, we requested the funds be expedited back into the account as soon as possible. Despite several conversations with supervisors and escalation teams, Capital One 360 was unable to complete the stop payment and re-deposit the funds prior to the home closing. Several supervisors worked on the issue, ultimately resulting in the funds returning to the account ~3 business days after the initiation of the stop payment.
Product: Debt collection

They call every day for someone who does not live here. I spoke with them and they said that they would stop but continue to call. It is automated so they just have n't changed their programed numbers to call. 
The person calling is XXXX XXXX, XXXX
Product: Student loan

Hello, I have been getting the run around about resolving this loan for over a year with Navient. No one can seen to tell me who this loan belongs to, or if it has been sold to another creditor agency. I 'm not sure and can not get answers on how my old XXXX XXXX government loan transferred to a private loan. I have been trying to get answers, and no one can seem to help me. My loan from 2006 started off as {$1500.00} and is now is {$5000.00}. This loan should be a federal loan and not private. In 2006 when I started XXXX University, I was under the impression that I was signing up for a federal loan, per my documents that I have. All of my federal loans are consolidated and I would like to get this loan consolidated and taken care of as well as soon as possible because it 's having a major impact on my credit score. The loan is even being reported on my credit as EDUCATIONAL. So confused about what to do next.
Product: Mortgage

In XX/XX/XXXX, I applied for and received my current mortgage. It has been sold several times. The most recent sale was to FirstThird Bank this past spring. Since 53 took over servicing of my mortgage, I have had a rash of problems.

1. Most concerning is that 53 can not seem to explain clearly where my money is going or handle my requests for advance payment with any dependability. Heres why that is important. I had made 3 advance payments with MB Financial when the transfer occurred. I can not determine how or when those payments were applied. I have been unable to get a written accounting from 53 that explains clearly where those payments have gone. My top concerns is detailed in the attached statement and dated XX/XX/XXXX. Calls to the bank did have them release a different statement, also attached. This one does include due dates, but not balances. 

2. Additionally, 5/3 Bank requested a payment of XXXX to account for an escrow shortage ( Statement Date XX/XX/XXXX - statement attached ). I made the payment online in the amount of XXXX on XX/XX/XXXX - which does not appear to be applied to escrow seems to be applied to principal and it is impossible to tell what is happening in the escrow account. 

3. One last concern in that the XX/XX/XXXX account the indicate the past payment went entirely to interest and escrow. Nothing to principal. A second XXXX statement was sent on XX/XX/XXXX, its unclear why, and again, not clear what they have done. Please note that I called and asked for an audit between the two statements, but did not ask them to do anything. I was denied my request for an audit. 

Overall these statements are so convoluted I have spent hours trying to understand them. Unable to do so I elicited help from a friend very well versed in financial matters who also can not make sense of them. Calls to representatives and supervisors at Fifth Third Bank have not helped. If nothing else I hope to draw attention to the incomprehensible information available to me through their website and hope this can be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documentation of the errors that was on my credit report. The main one was a property I had is indicated as being discharged through my XXXX XXXXXXXX bankruptcy of XX/XX/XXXX, when it was sold and the loan lender received payment in full in XX/XX/XXXX. When I sent this info over my credit score was XXXX XXXX XXXX XXXX and XXXX Transunion. Once I submitted my disbute after the time for review, I received info from them advising per the creditor it is reporting correctly ( even though I sent the bill of sale document for the property ) but then they also reduced my credit score even though there was no change to it. All 3 credit agencies reduced my score after advising NO CHANGE reporting as correct! If there is no change, my score should have NOT changed. I want my score put back to where it should be. Right now it is reflecting as XXXX XXXX, and Transunion XXXX, XXXX ( unsure ). I have reached out to the creditor who advised they will correct it, but I want my score back where it was before they correct it because it should go much higher than what it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax 10 times by fax and by phone to correct my personal information { 1 } My name XXXX XXXX XXXX XXXX thats it nothing else. they have goverment I D 2 of them to prove its me Next for safty its addresss they keep listing XXXX XXXX XXXX  XXXX Ca I never lived there. next one is XXXX XXXX XXXX XXXX Ca Never lived there. I have5 inquires that I did not make I have had identity theft XXXX, XXXX, XXXX, XXXX Again, XXXX I did not make these They have copy of police reports all the way from 2008 remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted by the Equifax security breach per Equifax 's self service 'Was my data impacted tool '. This tool is online and can be found on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX we paid XXXX to wells Fargo dealer services. Wells Fargo sent us a letter saying the funds were returned. I knew they were fine because I have that account staying st XXXX at all times. That is account i used.. Anyway wells Fargo had me fax in my bank statements. Even after i proved it to wells Fargo they said they could not find the money. How can you lose XXXX??? Well 2 1/2 months later they found it applied to my intrest. It made me 90 days late on my credit report. Im in middle of buying a house. I already sold mine. I don't have any living family members and we have to go to a hotel. All because wells Fargo dealer services. All i want them to do is fix my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the massive Equifax hack and had my personal information stolen. I have sense then put a fraudulent alert on my account.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX 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 an 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

To whom this may Concern, My name is XXXX XXXX XXXX, and I 'm a member of the SECU. I reside in XXXX, NC. 

I 'm sending this email as my rights a as member have been significantly violated. On Friday, XXXX XXXX, I had someone deposit money into my account. They did n't have my account number, only my first, middle, and last name, along with my address to assure it went to the right account. 

They followed back up with a confirmation that they money has been deposited, and sent me a picture reflecting my balance in my account. I 'm livid right now, as it is no one 's concern as to how much money is in my account, and it puts me at a disadvantage when trying to have my privacy. I have dealt with SECU for a few years, and have even made deposits in other 's accounts, and I know this is not the proper protocol to expose my information. 

I 'm out of the country for the next two months, or else I would have visited the bank in person. I need to be communication with a Senior level or even corporate manager to notify them of what happened. The teller also needs some ramifications to take place on their part as I 'm a victim of having my information unwillingly exploited. I still have pictures on my phone reflecting the receipt the individual received before leaving the bank. 

I need to know my rights also as a member and potential compensation for my right being violated to ensure this does n't happen to another member moving forward. This has unfortunately put me in an uncompromising situation. 

Lastly, email right now is going to be the best form of communication, as I 'm in XXXX for the next two months.l Thanks,
Product: Checking or savings account

Over the last 3 weeks I have had my debit card used to make over XXXX $ in transactions, and then after being sent a new card, this card was used to make XXXX $ in transactions that were not authorized. The first XXXX $ in charges occured after I lost my wallet and debit card at a bar, the next day I returned to see if it was there and they coud n't find it. About 5 days later I went back when the same bartender was finally working again, and he said that he didn't have it, however I noticed that day he had a drink from XXXX, and when looking at my account there was a purchase made on my card that day for XXXX. I believe this bartender took my card and wallet, which inside I believe contained a scrap of paper that all account numbers, a few passwords, and also the pin for my debit card. At first the XXXX $ was credited back by Bank of America, however later on that week they funds disappeared and I was never sent a letter or anything explaining why. Then last week on Friday, XXXX $ in XXXX cards were purchased through my XXXX account, and then redeemed by some other person. After I lost my wallet, I also had my laptop, and phone stolen a few days later, Whoever got into my computer went on my XXXX account and was ordering gifrcards and sending them to people. I have been on hold with their fraud team for 1.5 hours today, but total the last 5 days I have been on hold for over 10 hours. I cant get a hold of them to file these new charges, or to have the older charges re-credited to me or an explanation of what happened. In total it comes out to XXXX $ I have been scammed, and Bank of America EDD Card Services is not doing much to help me or investigating very deeply at all.
Product: Credit reporting or other personal consumer reports

I am writing to request the reopening of my complaint against XXXX ( Account Number XXXX ). I disagree with the account listed which still appears to be on my credit report. I would like this item to be reinvestigated immediately. The inaccuracies are highly injurious to my credit score. In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D.

I have not received any information or documentation confirming that the following required steps were taken during the repossession process. Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

I did not receive any communication notifying me of the impending repossession of my vehicle. 

There was no notification stating that my vehicle had been repossessed, where it was being held, or the outstanding amount owed.

Post-Auction Notice I have not been informed of the auction results, including : - The sale proceeds and how they were applied. 
- The existence of any deficiency balance. 
- The application of sale proceeds towards the debt. 
- Compliance with relevant laws and regulations. 

I request that the CFPB reinvestigate whether these letters were sent and if all the necessary information, including date and time stamps, was provided to me as required by law. If these steps were not followed or if the required information was not provided, I respectfully request the removal of any related entries from my credit report. Please send me a updated copy of my credit report after your reinvestigation. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I called them because I seen an interest charge of {$100.00} with no heads up. They said that if I paid a balance of XXXX that my account would be at a XXXX balance and that they would take the interest off. Then I checked my account and it still had {$52.00} so I called again and they said that it was a separate charge that no one informed me of and that they couldnt do anything about it and that the XXXX  lied to me. They told me there was nothing they could do and didnt seem like they cared very much when I went out of my way to make sure my account was at a XXXX balance so I didnt have to deal with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated my privacy rights according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Enhanced Recovery Corp. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/year>. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. I also was impacted by the XXXX data breach and my data was breached. I believe it got into the wrong hands. Thanks for your help with this matter.