23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My information was exposed in a data breach. Equifax and XXXX FTC report FCRa Please help Inquires Collections Everything
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was compromised by Equifax with their breach. I put a freeze on my credit report to avoid any further issues. I have been trying since XX/XX/XXXX to unfreeze my credit so my mortgage company can do a soft pull to close my mortgage. ****my furniture has been on a truck since XX/XX/XXXX and myself, children and pets are staying at a friends. 

First Equifax unfroze on-line request processed. Mortgage company pulled and it was still frozen. Called Equifax they said they couldn't find me in the computer and that I had to fax in identifying information. Faxed on XX/XX/XXXX - was told it took 48 hours to process fax. Called back on XX/XX/XXXX told documents couldn't be located. Called again on XX/XX/XXXX ... still can't find documents. Called XX/XX/XXXX and talked with supervisor he reviewed faxed documents and said my credit freeze was lifted. 

XX/XX/XXXX mortgage company tried soft pull - still frozen. 3 calls later was told freeze permanently removed. Mortgage company soft pull again - still frozen. After 1 hour 28 minutes and 2 supervisors ... .told 3 to 5 days ... TOTALLY UNACCEPTABLE. I proved my identity and credit should be unfrozen. Have faxed documents 7 times and called at least 4 times a day .... 

EQUIFAX breach is causing me issues after I have followed all of their instructions ...
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in XXXX  color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in XXXX  color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Bank account or service

I had a checking, savings and credit line account through BB & T for the last decade. Recently there were many errors and retaliatory actions that were done to my accounts. These subtle errors by the XXXX, MD team coached by XXXX XXXX was brought to your attention. I originally several times have requested formal arbitration information relating to this. My credit continues to be hurt and no resolve after months. I was told at some point there are repayment arrangements possibly I can enter into as to not hurt my credit further while a resolve/research is done. This being said, I want BB & T to know that during this entire process I have had XXXX from a car crash. I am still treating and XXXX from this car crash that was not my fault. I left in ambulance and have XXXX of dollars in bills, with plenty of documentation to substantiate. This being said I would like to see if I qualify for any medical or hardship related freezes or repayment plans? Repeatedly I have been asking for this and have not gotten any answers. I do not want my credit to be further hurt and want a proper working relationship with BB & T again without XXXX XXXX loose run ship of fools sabotaging my account because they do not like the frequency of my visits. Also XXXX pulled my credit for auto financing that I never authorized, this was never answered either. Errors to credit reporting need fixed. First things first, what can I do to repay the account into good standing while the above research and arbitration matters are resolved? Do you have any medical/hardship related payment plans, given the severity of my car crash and being limited to the amounts, types of work I can do. This medical XXXX has resulted in dramatic losses of income. Please offer me any programs I may be entitled to in writing to my home mailing address on file. Thank you.
Product: Checking or savings account

The right amount wasn't deposited in my account it was missing XXXX  of dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX  EST, I received a call from a company called XXXX ( sp ) claiming they called on behalf of XXXX XXXX in regards to a debt that they obtained from XXXX XXXX XXXX. I informed the gentlemen that I had not received any communication from either his company nor XXXX XXXX and that I was formally requesting information regarding this alleged debt from them. I had not received any communication from either company prior to that date and I requested validation of the account via the phone. The guy refused to provide me with information regarding this debt via the mail and kept saying, " we will email you '' and " this is already in collection '' and " we don't use mail ''. I have a legal right to request communication regarding alleged debts to be mailed to me via the United States Postal Services, and this company refused my right to this request. When I informed him that I was recording the call ( Georiga is a one-party consent state where I can give consent to record a call without prior notice ) he hung up on me. This is a direct violation of my right to request information in writing from a debt collector on an alleged debt. 

XXXX XXXX is now reporting this debt on my credit report, and the company they hired to collect this debt violated my rights. This account must be removed due to a violation of my consumer protection rights. 

I have an audio recording of this phone call, as does XXXX since they record all calls, so there is audio proof of this company 's refusal to honor my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, consumer and natural person who is a victim of identity theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness and respect to the consumer right to privacy Under the Gramm Leach Bliley Act of 1999. I enclosed all documentation social ID and statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Vehicle loan or lease

My used vehicle loan is with Santander Consumer USA. I noticed that even though I have been making payments towards my loan, the balance never seemed to decrease. I will admit that the interest is pretty high due to my credit score and they did provide me with payment assistance in the past however, upon a review of my transaction history not XXXX XXXX has been applied towards my principal balance since XX/XX/XXXX. Surely this is an unethical practice of business. If my calculations are correct, I've paid roughly {$8600.00} since XX/XX/XXXX and not XXXX cent has gone towards the principal balance. I contacted Santander on XX/XX/XXXX requesting an audit of my account. I was advised today that they emailed me my transaction history, which I had already obtained through their online account portal. So their response was useless. This company has a record of taking advantage of their customers and illegal business practices. They prey on the vulnerable. Your assistance and investigation into this matter is very much appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Payment never late Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. 
XXXX XXXX XXXX Not mine or No knowledge of account Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. 
XXXX XXXX Not mine or No knowledge of account Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please fix all the FCRA violations above and below XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX a Reason XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX CT XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX remove all address no longer live there address caused my violations FCRA
Product: Debt collection

Repeated hang up calls, usually with one minute between calls. There 's no person or recording on the other end of the call. I called them back and told them to stop contacting me and they are still calling me and hanging up.
Product: Money transfer, virtual currency, or money service

last week someone send checks and told me to deposit to my account or else something bad was going to happen, yes a scam. i was terrified so i did what told. the scammer started saying and threaten that i need to return the money or else bad things will happen. i did what told. my bank this monday, rejected the checks being the deposit on my account. leaving me with minus XXXX on my account. i talked to my bank about the situation. and chase did not help or even attempt to listen in fact. i told them i had not approve of this, and they did not help or direct me towards the right person.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX XXXX want to place a fraud alert on my cnsumer report. Someone has been using my information to obtain fraudulent accounts and its hurting my possibilities for obtaining my own credit. I have found the following account : XXXX XXXX XXXX XXXXXXXX ) fraudulent. I have never applied at XXXX XXXX please remove any accounts associated with XXXX XXXXXXXX that have been opened under my name. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below has violated my rights. 
XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX US Dep Of Edu - XXXX Us Dept of Education - 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 card or prepaid card

I recently was in the hospital and missed a payment to XXXX. When the next bill arrived I saw I had been charged a {$40.00} late fee. I realized I had missed the payment and because the fee was so high, I paid the entire amount owed on the credit card.. The current months bill arrived and it said I owed {$48.00}. I was shocked because I had paid the card off the month before so I called Comenity Bank which handles XXXX store charge. They charged me another {$40.00} late fee, and a {$2.00} service fee because they said I had not paid {$13.00} from the month before. I had paid the entire amount the month before because I did not want to do business with them any longer after receiving a {$40.00} late fee. I have paid the entire bill again and have requested that the account be closed. I was curious to see if this had happened to anyone else and to my surprise, found there are numerous complaints against Comenity for holding payments until after the due date. Is there any way this can be investigated? I am tired of being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting for the investigation results from XXXX, XXXX and Transunion regarding this account : XXXX XXXX Account # XXXX but it has been more than 45 days and I still haven't received any response regarding my dispute.
Product: Vehicle loan or lease

My mother passed away this year and has had a car she bought in XXXX  thats been paid off for over 10 years. 

I am the executor of her will and came to find out her title still shows Lien with Omni Financial Group ( a finance subsidy of XXXX XXXX ) I spoke with them and mailed all requested documents ( death certificate, copy of me as executor, copy of ID etc. ) After 2 weeks of calling for update they told me to fax it. I did so and after another 2 weeks they still had nothing and told me to try mailing again certified with tracking number. I did that and saw it was delivered. They again said they saw nothing in her profile but that if the department that deals with lien letters got the mail theyd send it out to me. I asked to talk to that department and was told they dont take calls.

It has been another 2 weeks since that call and Ive received nothing in mail still.
Product: Mortgage

I want to refinance my Mortgage but Select Portfolio Serving , Inc. is trying to make me pay {$16.00}, XXXX an addition amount I don't owed. A letter sent to me from XXXX dated XX/XX/XXXX offering me to rearrange my payment. I disagreed with the addition payment of XXXX on XX/XX/XXXX in a recorded conversation with XXXX XXXX XXXX which she wavied. who worked at XXXX ( Modification unit ). I never agreed or signed any document to paid this Addition amount of {$16000.00} but I did disagreed. 
XXXX filed a Judgment of Foreclosure and sale against me and my husband it was ORDERED vacated on XX/XX/XXXX without cost to any party. so, I don't owe any court or attorney fees {$3200.00}. 
I have paid my owned XXXX XXXX and XXXX XXXX XXXX sent XXXX. Select Portfolio Serving Inc. or XXXX did not pay {$7700.00} in any XXXX Account for us. 
I don't know where the Accrued Interest Previously Extended from {$1700.00}. because we were paying our mortgage or the {$4000.00} which equal the {$5700.00} posted on the XXXX Account History sheet. 
.
Product: Mortgage

Wells Fargo, formerly Wachovia MortgageBack in 2006, a XXXX year old XXXX and his wife received orders to XXXX for the XXXX leg of a XXXX. The housing market was HOT! They consulted various big lenders, and ended up buying a house for {$140000.00}, with an XXXX/XXXX loan through Wachovia ( Now Wells Fargo ). This was an alternate to a VA loan, but still 100 % financing. The second loan ( 20 % of the purchase price ) was going to be a highter interest rate, but it was a seemingly necessary program to do to buy a home in such a hot market. Three years later, the housing market went bust. Same year, the now new parents, received XXXX. They refi'ed the XXXX house, with the big mortgage loan being now 5.875 %, and the small, 20 % mortgage being a whopping 8.62 % interest rate. Now, XXXX in XXXX, the couple rent out the home in XXXX for a loss of about {$250.00} a month. 
This couple is my husband and myself. I have called Wells Fargo for years now, begging to refi the house. Interest rates are LOW now. Their response remains the same - They will not refi it because it is not my primary residence. But it is not my primary residence ANYMORE, because the XXXX had other plans for my family. I 've asked everyone there, every year, what I can do? Who can I call? The most definitive answer I have received from them is " just to short sale the home. '' Yes, they recommended to short sale the home. We do n't want to do that. It was our American Dream to buy our first home, and we did, proudly, and used nothing but American owned companies in the process. 
I do not want the home given to us, or defaulted on by us. I want a fair chance to refinance the home on FAIR terms. 8.62 % interest rate ( the small loan ) is far from fair. This company has made ENOUGH money due to the misfortunes of others. We have never been late on a payment, or never discussed foreclosing or a short sale. Unfortunately, nothing can be done until we receive orders back to XXXX and that can be our primary residence again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending points negligence has caused my credit score to drop dramatically. I contacted the company to update my automatic payment as I switched banking institutions and my file was not updated. Due to their negligence, I am at a higher interest rate with a mortgage loan. Lending point referred me to XXXX XXXX in which they stated my account was sold and theres nothing they can do to update my file. Ive contacted XXXX XXXX and was working with XXXX XXXX in settling my balance with Lending Point. I was advised that lending point was the reporter of my file and XXXX XXXX can not update my credit report. Currently Im still showing a balance and monthly payment, in which it is affecting my debt to income. I am getting the run around and have disputed my file with XXXX with no resolution.
Product: Debt collection

I have reached out the this company and never hear anything back. I want documentation of this account that shows break downs and specifics. I need to get this off my credit ; however, I can not pay the balance due to financial hardships. My husband has become very ill and no longer works. We are living on XXXX income and need help clearing this up. Can you please help?!?!