23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received numerous phone calls from a debt collection company attempting to collect for -- Providian credit card as I found out later. I do not know the name of the company that was calling because they were mispresenting themselves as legal representation. The phone number they ( debt collection company ) were calling me from was XXXX. The message this company was leaving on my phone stated. " Your social security number has been named in fraudulent activity. You will be summoned at your place of employment or your residence, and you will have XXXX counts of fraud filed against you in your county. If you do not respond you will lose all rights to your legal rights. They then leave a case number and the phone number mentioned above to call. When I called the number it turns out to be this Providian credit card account they are trying to collect for, and nothing to do with any fraudulent activity surrounding social security fraud. When I questioned the representative about this, he merely answered " same thing ''. When I asked them to remove my phone number from their list. The representative hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX XXXX XXXX XXXX, and XXXX are amongst the list. Every communication with XXXX, Transunion, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have not given permission or signed consent that allows the agencies to furnish listed above. Consumer law clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t received any investigations results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain XXXXechnology stopped reporting my account and generating statements when I started to pay down the balance. I had an outstanding balance of {$810.00} as of the last generated statement in XX/XX/2023. I paid {$300.00} on XX/XX/2023. I paid an additional {$510.00} on XX/XX/2023. A statement has not been generated since XXXX which I find odd since after that statement I started to pay down. I reached out to grain via support email, since they do not have direct access to someone via phone, and XXXX XXXX ( Grain Technology Customer Support ) stated on XX/XX/2023, that my account would be reported as paid off to XXXX and the status would update to Account Paid in Full- Charge Off. Well, I have not seen the update, disputed the information with XXXX and XXXX on XX/XX/2023, and today, my disputes were marked as a complete and the results stated that Grain has verified that my account is still past due with a balance of {$810.00}. I have been very unsuccessful at contacting someone to speak to them on the phone. This is unethical as I have done the right thing on my end by paying what I owe in full. I can log in to the account and see a XXXX balance, however I can't supply the CRAs with a statement as part of my disputes since Grain Technology has not generated one for me since XX/XX/2023. They claim it is because the account was in a charge off status, but they have reported at least the last year to the CRA every month, although the account was in a charge-off status then. I think Grain Technology is being highly unethical right now and is intentionally not updating my information with the credit reporting bureaus.
Product: Bank account or service

XXXX filed an order through the XXXX to withhold funds from my bank accounts with Wells Fargo. Wells Fargo removed funds from XXXX of my checking accounts and my savings account leaving me with a zero balance in all of them. The amounts that they withdrew are : XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$740.00} from my Way @ SAVE checking accouns ; Expand XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$410.00} from my At Work Checking and ; XX/XX/2017 LEGAL ORDER FEE DEBIT CASE # XXXX {$120.00} Expand XX/XX/2017 LEGAL ORDER DEBIT - CONTACT XXXX ( XXXX ) XXXX - Case # XXXX {$62.00} from my Savings account. 
On XXXX @ XXXX a judge ordered a garnishment exemption which was faxed and mailed to Wells Fargo. They have not returned my money to me. I have spoken with them on XX/XX/2017 @ XXXX for XXXX min and XXXX seconds ; XXXX for XXXX hr and XXXX min ; and XXXX for XXXX min and XXXX seconds. On XX/XX/2017, I spoke with them again @ XXXX for XXXX minutes. On that day I also went to the Wells Fargo Branch @ XXXX. XXXX XXXX and spoke with the branch manager, XXXX. She later called me and said that there was nothing she could do to help me. On XX/XX/2017 I spoke with them again for XXXX for XXXX hr and XXXX minutes. On XX/XX/<YYYY> I spoke with them @ XXXX am for XXXX minutes ; @ XXXX for XXXX minutes and @ XXXX for XXXX minutes. Today XX/XX/2017 I spoke with them @ XXXX am for XXXX minutes and @ XXXX for XXXX seconds. Some of the time was time I was on hold, but each time I was told that there was nothing they could do. They advised me to call the court. 
I have spoken with the above mention court on XX/XX/2017 for XXXX minutes ; XX/XX/2017 for XXXX minutes ; and today, XX/XX/2017 for XXXX minutes. I have also visited the court in person and each time they tell me that a check was never received and there is nothing that they can do. I asked them to please call Wells Fargo to let them know that the check was never received, but they wo n't. I asked Wells Fargo if they would call the court to ask if the check was received and they wo n't. I also asked Wells Fargo if they could provide me with the address that they mailed the check to and they said that they did not have that information. This was their legal department. 
Needless to say, I am getting nowhere fast. I am a nurse and I live pay check to pay check. I have had several insufficient fund fees charged to my account in addition to the money being held by the bank. I feel this is very unfair. Please help me resolve this. Wells Fargo is way to BIG for me to get anywhere with. I am attaching the court papers. Thanks, XXXX
Product: Mortgage

In short I went to pay my mortgage on the XXXX of XX/XX/ and was not able to make payment because the website was not working. I thought nothing of it as it said try back later. A few days later I tried again and got same message. At this point I called on the XXXX and talked to an agent telling me the that XXXX XXXX XXXX was cyber attacked and it affected LoancareXXXX XXXX mortgage XXXX I was shocked because there was absolutely no communication with us as consumers. I had to go find facebook groups and reddit to actually get information on the issue. We did not receive and email, phone call or letter explaining the situation. As the XXXX of the month of XXXX approached many people started to panic as to if they should make a payment to a new website were they were asking us to give our banking information. Many people obviously were very hesitant because once again we got no communication. We were informed there will be no late fees or credit reporting during this time, but again this was only by word of mouth from other customers as we could not get through to talk with anyone on the phones as many of us were hung up on every time we called. We have no idea if our identities or banking info or anything else that goes along with this has been compromised. We as customers deserve to know what was going on and the way this situation has been handled is absolutely awful. We still at this time XX/XX/ are left out in the dark with what is actually happening. Most of us are just hoping our payments were accepted and some are just waiting in out in hopes it will get fixed and they won't be held accountable for not paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your re-investigation. Also, why did you not send me copies of the verification like I asked? 

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ). You have NOT provided me a copy of ANY o
riginal documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Account : XXXX XXXX Amount :  {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My realtor checked my credit profile and there is a collection on all three bureaus for {$500.00} from SEQUIUM ASSET SOLUTION. ALLEGED ACCOUNT # XXXX that does not belong to me I have lived at my address for 41/2 years I have never had XXXX XXXX 
DEMAND FOR VALIDATION AND PROOF OF CLAIM This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the Truth Lending Act ( TILA ) 15 USC 1601 et seq.

In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I am the victim of identity theft and got sick during XXXX  XXXX  and the bank closed my account when it there were fraudulent charges disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has yet to respond to any of my letters requesting documentation regarding an account that is reporting to my credit report. I sent a letter on XX/XX/XXXX and XX/XX/XXXX and have yet to receive any documentation regarding this debt.
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 XXXX # XXXX, XXXX XXXX XXXX : # XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. I previously submitted a complaint regarding this matter and I thought that the Credit Bureuas already took action due to the letters I have been sending. As of now, I am submitting this complaint once again in hopes that the Credit Bureaus would take proper action and have the following inquiries removed as soon as possible. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is refusing to fix the innacurate information reported on two closed charge off accounts from Capital One. My dispute is about date of first delinquency. I have paid both accounts every penny without any discounts or settlements. Both accounts were closed become delinquent in XX/XX/XXXX, I have paid both accounts in XX/XX/XXXX and Capital One reported {$0.00} balance paid after charge off. However in XX/XX/XXXX Capital One reported this back on my credit report as a date of First Major Delinquency XX/XX/XXXX causing my credit file to pickup as currently late and my credit score dropped 40 points for being currently late.How can they report as Date of First Major Delinquency XX/XX/XXXX if I don't have any balance on these two accounts and both accounts were closed in XX/XX/XXXX. I have called XX/XX/XXXX and Capital One both say they don't know why is this happening and they will look in to it but after investigation they don't correct issue.
Product: Credit card

Thank you for taking the time to read this letter. 
I 'm writing because I noticed that my most recent credit report contains late payment reported on 30 DAYS XX/XX/XXXX, for my KAY JEWELERS CARD # .XXXX.I have contacted customer service on XX/XX/XXXX to remove that reporting from all XXXX major credit reporting agency due to the error but Sterling Jewelers Inc- Division : Kay Jewelers Customer Care refused to remove the reporting. ( Assigned request id XXXX for that communication ). During that communication I have informed Sterling Jewelers Inc- Division : Kay Jewelers Customer Care Department the following : when I made a purchase on XX/XX/XXXX, I was told by the sales person no payments or interest for 6 months. In XX/XX/XXXX I started receiving phone calls from the bank Sterling Jewelers Inc- Division : Kay Jewelers. They were asking about the payments. Soon after that I made a trip back to the KEY JEWELERS STORE in XXXX MI. To my recollection the store manager was on vacation and I was told that I have to wait for the store manager to get back to work. Once the store manager returned to work I made another trip to the store. Manager stated that they have not had that promotion and she is not sure why the sales person informed me about it. Manager attempted to convince me that it was a misunderstanding between me and the sales person. Immediately after that I made a payment and I was current and on time with all payments and paid off entire loan.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft, my information has been used fraudulently and as a result there are items on my credit report that I never was associated with nor benefited from. This is causing me immense anxiety and XXXX nights, I filed an FTC report as I was instructed to by Experian and I have sent in this report but these fraudulent items still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft and to request immediate action to rectify the situation. Recently, I discovered unauthorized activity on my credit report with your company. 
I did not authorized any of these transactions, and those info is being mixed up with someone else, therefore I request that you take the necessary steps to address this issue promptly, and please dispute the accounts. That were opened without my knowledge, authority or consent. Details of the unauthorized activity are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

XXXX XXXX Reward offer a false promotion to cath a customer for their Hotels and credit card. I apply 1 mont ago for the XXXX XXXX credit card for the benefit to travel in their hotels and Saturday XXXX XXXX, i booked a trip directly for the XXXX for the hotel XXXX XXXX XXXX XXXX XXXX XXXX to XXXX and the air fare tickets, after that, i called a XXXX XXXX assistance to apply for the benefit ( Club level upgrade and {$100.00} credit ) and the operator told my that is impossible because i booked my travel from third party ( XXXX ). 
I sent to XXXX the evidence to show that my trip was booked in their website directly, and the receipt from XXXX ( XXXX XXXX partnership ), never from XXXX, but they did n't want to honored the reward offered. I explained to XXXX XXXX assistant step by step how i completed my purchase from XXXX and send us the evidence but i no have any positive answer to solve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGEMENT I have recieved the results of an investigation that an item was deleted from my credit report. However, I recently viewed my report online and the item is still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry placed on my credit XX/XX/19. Called in and spoke with XXXX, she took my First, Last Name and last four of SSN before transferring me to XXXX, voicemail left, called again XXXX   informed me she was just a switch board operator when I asked her what the company did or sold trying to figure out why my credit was ran. XXXX then transferred me to XXXX, no answer, and no current answers as to why my credit was ran and what the company is.
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. On XX/XX/year>2023, an account appeared on my credit report for a debt of {$230.00}, and again on XX/XX/scrub> 2023, for {$310.00}. 

According to **15 U.S. Code 1692c**, if a consumer notifies a debt collector of a dispute regarding a debt, the collector must cease all communications until the debt is validated. Additionally, under **15 U.S. Code 1692g**, the collector is required to provide written verification of the debt. Furthermore, **15 U.S. Code 1681e ( b ) ** mandates that any information reported to credit bureaus must be accurate and complete.

It has come to my attention that this account has been reported multiple times for different amounts without proper validation. The debt collector has refused to cease all communications despite my notifications, which raises serious concerns about compliance with these laws. 

I request that your office investigate this matter and take appropriate action to ensure my rights are protected.
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I received notification on XXXX XXXX that someone wanted to buy the bike I was selling for {$130.00}. They offered to send me the funds via XXXX to hold for later pick up. They said that they sent the funds to my personal email address that I had provided. I immediately received an email from XXXX saying that because my account was not a business account, I had to have a minimum of a {$300.00} transaction to activate the account in being able to receive the {$130.00}. It went on to say that I should ask the buyer to pay me an additional {$170.00} which would bring me to the {$300.00} minimum threshold and then simply refund the buyer the {$170.00} when done. The buyer, who said he received the same email, offered to send the additional funds. In both transactions, the buyer sent me a screen shot of the 2 deposits. I recieved another email from XXXX stating that they received the 2nd deposit and that once I refunded the extra {$170.00}, the final payment of {$130.00} would be released. I hadn't received any funds at this point but regardless, sent the buyer the refund for the {$170.00} per XXXX 's instructions. I then received yet another email from XXXX saying the {$170.00} I sent failed somehow and instructed me to send yet another {$170.00}. This is when I realized that I was being scammed and further relaized that the emails from XXXX were not valid and were in fact part of the scam. My husband, XXXX and I immediately contacted PNC for support to which they said they could not assist us in reversing the transactions and/or recovering my funds. I was scammed out of {$170.00}.