23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX FROM GLOBAL ELEMENT CALLED MY WORK PLACE ON XXXX/XXXX/15 AND WAS TOLD SHE CAN NOT CALL MY WORK AND MY EMPLOYER DOES NOT ALLOW THESE TYPES OF CALLS. THE COMPANY THEN CALLED A FAMILY MEMBER A FEW DAYS LATER AND GAVE THEM INFO REGARDING MY PERSONAL BUISNESS THEN ON XXXX XXXX CALLED FROM GLOBAL AND AGAIN I TOLD HER SHE CAN NOT CALL MY WORK. SHE THEN GOT NASTY AND THREATEN ME SHE WOULD GET A LAWYER
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$370.00}
Product: Debt collection

please refer to complaint No. XXXX XXXX XXXX v Capital one ( credit card ) my complaint is about Capital One, due to theirs abusive collections activities, in XXXX when my funds run out after a bank robbery that happened at work I happened to be the Branch Manager which by the way my employer has not taken responsibility for the incident. and after I explained the situation to capitol one, they promise to work with me ( but capitol one was demanding money that I didn't have ) I keep communication with the rep who was calling me and sideling I was sue. 
I have copy and paste the activity with the XXXX County Metropolitan Court, I also feel that the process was misleading due to how I was served documents, I have attached a file for your review ( Capitol one sent documents that were not file with the court ) please compare to what is was sent in the complaint number above. 
after these experience I learned that Capital One intentionally sent documents that weren't file with court causing me to believe it was too late to do anything for example after getting documents about a judgement, about a deposition, and when I called the court the court refer me to the law office ( left many voice mails without getting a call back } the law office who is listed as representing capitol one would not speak to me to give me information it almost felt like they had no intensions of working with me for example I spent a lot time calling them to make payments arrangements even after the judgment by error I was transfer to the attorney where he was obligated to transfer me to the gentlemen who is handling my case ( when made payments arrangements I was promise in writing about the payments arrangements I have not received anything and again I keep leaving voice mails never gotten a call back ) and by the way I have being making payments on this account, but none of the payments are being reported to credit report. 
I ALSO WANT TO ADD THE EVENT AFTER THE JUDGEMENT ON XX/XX/XXXX. CAPITAL ONE FILE A ABSTRACT JUDJUMENT WITH THE XXXX COUNTY ON OR ABOUT XX/XX/XXXX, in addition I RECEIVED DOCUMENTS FOR A DEPOSITION SCHEDULE WITH XXXX  XXXX XXXX, ( XX/XX/XXXX ) I FEEL THIS PROCESS IS VERY ABUSED FOR A CREDITCARD I FEEL THERE IS MORE TO THIS .... I ALSO FEEL THAT MY PRIVACY HAS BEEN CONPROMISE AND THE CAPITPOL CONTINUES TO SHARE MY PERSONAL INFORMATION INCLUDING XXXX  XXXX XXXX WHO HAD MY MORTGAGE LOAN.
Product: Mortgage

I asked for payment suspension assistance from Wells Fargo. They said not to worry about it and they would not withdraw the payments. They Continue to withdraw the payments for 2 months. I called them and they " don't know why '' they payments continue to come out. I am overdrawn in my account because of this.
Product: Mortgage

My brother, XXXX XXXX and mother, XXXX XXXX took out a loan with XXXX XXXX in XXXX, TN on or about XXXX. They both were not XXXX capable of understanding the financial documents. XXXX sold the loan to Greentree. XXXX XXXX, XXXX my brother died and XXXX XXXX, XXXX my mother died. I am the heir to the property. The house has been recently appraised for {$45000.00} The principal of the loan is approximately XXXX. I hired XXXX attorneys on XXXX separate occasions, neither could get any help from Greentree. We requested a short sale and offered a settlement. They faked a foreclosure. I had never experienced anything like that before, but I am wanting to keep this house, it was my childhood home, so I buckled and wired transferred XXXX only to get XXXX applied to the principal. Once they sent me papers so I could make an offer, but they would not process them because they wanted financial information from my brother and mother. THEY ARE DEAD so they have no income. On several occasions they will call and continue sending mail for my dead family members to contact them. They have all the legal documents required to show I, as well as my daughter XXXX XXXX has legal rights to talk to them. They have the death certificates. I have been trying for 2 1/2 years trying to reach a settlement offer. They are now called Ditech. Ditech has not changed anything, including the employees we talk to. Her name is XXXX. She is rude, condescending and makes hurtful remarks regarding the death of my family members. I have sent several certified letters to their higher management, in which they signed for. Still no one will contact us regarding this loan. I recently learned of the XXXX XXXX dollar lawsuit of all the illegal and unethical tactics Greentree was found guilty of. It is obvious Greentree changed their name to Ditech, but are still operating under the same principles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of XXXX and XXXX, 2018, I paid over {$2500.00} to Global Client Solutions, a debt-settlement company. Due to circumstances beyond my control, I was forced to close my account with them and requested my money back. All they sent me was a check for {$170.00}. I am XXXX and need that money back desperately. Can you help me retrieve it?
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr XXXX XXXX has being using an old Child Support Civil Case to slander and hinder my name so i can not make a living Driving for XXXX, XXXX, & XXXX sites of which i earn my living. The phone number listed is a XXXX lady that answers and is not the number to the XXXX XXXX XXXX XXXX XXXX GA who has the record of this matter. I dont even undersatnd how they got the record. I current hold a renewed US Passport & XXXX XXXX XXXX XXXX XXXX XXXX XXXX of which a Federal Background Check is run and i dont have a issue with obtaining both.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$350.00}
Product: Debt collection

ON XX/XX/XXXX I RAN A FREE WEEKLY CREDIT REPORT AND SAW A COLLECTION OR DEBT OWED FROM XXXX  THAT RAN FROM XX/XX/XXXX THIS MADE MY SCORE DROP SIGNIFICANTLY THE DEBT WAS A TOTAL OF {$320.00} I CALLED XXXX XX/XX/XXXX AND THEY HAD NO RECORDS OF ME FAILING TO PAY ANY AMOUNT OF MONEY OWED TO THEM ON MY BEHALF THEY THEN RECOMMENDED ME CONTACT THE CREDIT COLLECTION AGENCY WHO FILED THE CLAIM TO MY NAME AMSHER COLLECTION SERVICE XXXX XXXX I CALLED THEM TO INQUIRE ABOUT THIS DEBT AND THEY TOLD ME THE ADDRESS OF WHERE THE " DEBT '' '' WAS ACCURED XXXX XXXX XXXX XXXX IN TX I HAVE NEVER LIVED THERE I NEVER EVEN HEARD OF THAT ADDRESS BEFORE EITHER THIS IS A FRAUDULENT MARKING ON MY CREDIT AND NEED THIS REMOVED
Product: Credit card

I respectfully implore you to promptly update my account with the correct information.
Product: Credit card

I have attached documents for your reference. I want the bureau to start an investigation into these accounts, as I am never late, but they inaccurately report me as such.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had two late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment was add to my credit report. after I told West lake to deleted it the company file a false claim to consumer finance protection bureaus claiming " Customer has filed a small claims suit and all communication must be with our Legal Department. " This response is not true. Please provided the verdict, time and date for the earnin or immediately report the late payment because it illegal to lie on court earnin on a government website
Product: Credit reporting

I have a leeter from my lawyer and the court stating that they do not report my information, and the information being reported is not mine, mine bankruptcy is still pending, so the wrong information being reported. I would like it removed. I have also included a letter from the FTC about public records being sold to the credit companies
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Product: Checking or savings account

The last time I can account for having my Bank of America Card ( BOA ), in my possession was for a purchase at XXXX XXXX, the date on the BOA statement shows XX/XX/XXXX. Please note, I never maintain large amounts of money or transactions in this account. On XX/XX/XXXX, I used my XXXX to make a mobile deposit of {$84.00} ( escrow refund ), I did not need my ATM card for this transaction, so at this point, I had no ideas it was missing. On XX/XX/XXXX, I went to my online banking to verify my balance before making a purchase, and my password was not recognized, I called customer service and learned of strange activity on my account which was four checks in my name, and my name fraudulently signed. I have no relationship or knowledge of the company on the checks. Based on the information from BOA these deposits were made at BOA branches all on XX/XX/XXXX. The person who made these deposits was then able to go to different ATMs and make withdrawals in the amount of {$300.00}, {$40.00} and XXXX. I do not know how the person responsible for this fraudulent activity was able to access the ATM. These are the check amounts : {$690.00}, XXXX, XXXX and {$990.00}, upon learning of this activity on XX/XX/XXXX( Sunday ), I was told by customer service to file a Fraud complaint with BOA on Monday XX/XX/XXXX, which I did. BOA has the capable to view branch photos and ATM photos of this activity but they have refused to do so as part of their investigation. I also made a timely police report. BOA of is holding me responsible for the ATM withdrawals and fees for this activity that I did not do.
Product: Debt collection

This company has an account on my credit profile that is not mine, inaccurate or belongs to someone else. They are in violation of the fcra and have no written contract with my wet ink signuture I agree or willing to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I C Systems placed items on credit file. Company failed to comply according to FCRA guidelines. Requested over 30 days ago to validate contract and signature.
Product: Credit card

I received free night E-certificate for a both business and personal XXXX XXXX co-branded credit cards ( and my wife received one as well ). In the terms and conditions, it clearly states that : Each E-Cert is valid for one night in XXXX standard room, double occupancy, at any XXXX, XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) by XXXX, or XXXX XXXX XXXX. 

It does note that : *Excluding XXXX. 

When I tried to book nights for my wedding anniversary with my e-certificates at the XXXX, by XXXX it would not allow me. I called and XXXX XXXX told me that that hotel was not honoring the certificates, even though it was clearly stated in the Terms & Conditions that XXXX XXXX hotels were included.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized I had inaccurate accounts on my report. The consumer reporting agencies need to report all information accurately. The negative activity from the inaccurate accounts are negatively affecting my ability to obtain credit. The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient has repeatedly created confusion on my outstanding Federal Loans causing my consolidated loans to go in default. Not once did I receive ANY information about the default. After having my Federal Income Tax Return Offset from the Department of Labor did I go to NSLDS to look at the status of my loans. 
Only then did I see the status of my loans. And how many I had considering I went to a two year technical school. 
So many different loans, different due dates, different rates ... .over the course of two years? 
I have been struggling to find work this last year and really needed my income tax return as my child and I had lost our home due to my unemployment. And yet Navient got it all. And funny how I never saw that money as a credit towards my many many loans.
Product: Debt collection

A dept collection of {$4200.00} dollars in early XXXX was placed in my XXXX  credit report causing a XXXX point hard hit from rent recovery solutions. I called and spoke to a representative and was told the person they are looking for is half my age and lived in Pennsylvania. I have never lived in Pennsylvania and have never rented anywhere in Pennsylvania.
Product: Checking or savings account

I am XXXX XXXX and I recently opened an account with PNC over the phone. However, after about XXXX weeks, I encountered difficulties logging into my account. Consequently, I had to contact PNC for assistance. It was only three days later that I noticed unfamiliar transactions on my debit card. As a result, I promptly filed a dispute with PNC. On the XXXX of XXXX, I called PNC again as I was unable to log in. Unfortunately, they informed me that they were unable to unfreeze my accounts. Feeling concerned, I called back on Sunday, XX/XX/XXXX. During this call, the representative asked if I had shared my online username and password with anyone. I assured them that I had not. Consequently, I deemed my account compromised and the representative informed me that my accounts would remain frozen until I visited a branch to obtain new account numbers. They also mentioned that they would discuss the issue with someone over the phone. On XX/XX/XXXX, I visited the branch to inquire about the situation. The branch representative asked if I had made any online bill payments, to which I replied no. I explained that the representative on the phone had informed me that the amount exceeded the {$2500.00} limit and that there were checks exceeding {$10000.00} on my account. The branch representative attempted to reissue account numbers but was unable to do so as my account was under review. Unfortunately, I was informed that I would have to wait for XXXX days to regain access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax XX/XX/22 to report inaccuracies on my credit report that needed to be removed immediately due to it causing extreme difficulties in my everyday life. I was told by a supervisor that the items that i reported as inaccurate would be removed within 4 business days according to federal law. It has now been two weeks and nothing has been removed. All the incorrect addresses, invalid phone numbers, incorrect employees, a company called XXXX XXXX and XXXX XXXX. I was advised it would all be deleted in four days. I was also told that a dispute was not filed but request for deletion. I have made several attempts to remind them of their duty of 15 USC 1681 accuracy and fairness of credit reporting. It seems as though Equifax is intentionally neglecting remedying my affairs. Also my life! 15 USC 1681 a ( d ) states as a consumer I and due, promised accuracy on my credit report based on Federal Law. 15 USC 1681i ( A5 ) states that after reinvestigation all unverified information must be promptly removed and the records clearly show that it was never properly investigated so it can not be properly verified or validated. Due to the above reasons Im asking that ALL NEGATIVE closed account, charged off accounts, collection accounts, incorrect reporting invalids addresses, employers, phone number, incorrect spelling of names, to be removed from my credit report per federal law. 
These are the confirmation numbers I received from the supervisor who specifically told me they were for the deletions. The call was recorded. However, I called in today and it was said to be disputes. So not only are these corporations violating my rights as a consumer they are blatantly lying in our faces XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are multiple inquiries on my credit report I do not recognize
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to each of the three Bureaus requesting validation for the bankruptcy that is on my credit report as public records. What I received was a letter stating that they verified the information with the courts. As I contact the court system they verified that they do not have contact with the credit bureaus and have not verified anything. I have attached the letter. 
As I sent that letter toXXXXn, Equifax and XXXX they all sent me a letter back still confirming the information just updating it. I want this bankruptcy removed off my credit reports.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I'm writing to you because I recently reviewed my credit report and noticed some late payment entries that inaccurately reflect my financial history. 
According to my understanding of 15 USC 1666b, there is no legal requirement for credit transactions to be reported, and I assert that including these late payments is unjustified. 
I kindly ask that these properly be removed. I believe that this action is necessary to ensure the accuracy and fairness of my credit history as mandated by the FCRA
Product: Credit reporting

I ca n't get my report it asks questions that I do n't know the answer to? I should know where I 've had a loan! right? I already had someone get electric in my name.I had to do police report and all kinds of headaches. I went without power for 3weeks from this deal and even had to deal with social services trying to charge me for neglect of my children. I ca n't get a cell phone, a used car, a credit card, not a thing please help me I do n't know what to do.I ca n't even get my report to dispute. I 'm XXXXyears old have XXXXkids and I 've worked my XXXX off for everything I have.What should I do?
Product: Credit card or prepaid card

I am an international student with valid status and XXXX form my school. For unknown reasons ( probably being a citizen of those sanctioned countries ), Bank of America closed my credit line and blocked my checking and savings account. Bank of america already had my XXXX, passport, visa and drivers license documents on their file. Closure of my credit line has affected my credit score adversely.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw there were fraudulent inquiries on my credit report. I was a victim of identity theft. As soon as I got the notifications I contacted all of the companies listed in the report. I was told to reach out to the Bureaus. I Wrote an affidavit to EXPERIAN and they have not responded to me. Delete these fraudulent inquiries off of my credit profile.
Product: Consumer Loan

A payment was made on XXXX XXXX 2015 for XXXX due payment ( payment made early ) the payment was not credited for XXXX resulting in their reporting and accounting of late payment fees, credit report of late fees etc., the company Ally Financial refuses to correct the account.and all payments made after that date have been based on wrong accounting of the payment which was made in XXXX XXXX, 2015 and received by them.