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

During the COVID-19 pandemic. My job that I had been at for 5 years terminated its contract with the government. My company closed down, and unfortunately I loss my job. 
I contacted GRAIN, and advised them if my unemployment status ( it was out of my control ). There is not a live person to speak with, its just email correspondence. I emailed them the financial situation that I was in, and they advised me that if I bring the account current ) ; they would remove the late payments. I brought the account from $ XXXX past due ; down to {$94.00}. I reached back out to the lady XXXX ; and she never replied to me. Instead, a XXXX XXXX replied saying that what was told to me isnt going to happen. She said she saw no such email, and then sent a word document ( look fake ) of a doctored email from the XXXX woman. 
I fell behind due to no fault of my own, and I have email correspondence of them agreeing to delete the past dues since it was out of my control. The report information is incorrect as the XXXX show 5 missed payments, and XXXX shows 11 ( Im not sure what XXXX says ). I asked for the CEO, or managers email, and XXXX refused to oblige. May someone assist me? I kiss my income due to COVID, and not a termination. I am trying to rebuild, and I paid what I borrowed like agreed. The late payments need to be removed like the previous employee agreed per our email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 12. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 13. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please update or correct this account. 16. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 17. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX  19. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX 20. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

BANK OF AMERICA XXXX XX/XX/2017 {$8400.00}
Product: Debt collection

On XX/XX/2021, I sent a letter to Southwest Credit to provide me legal documentation for this alleged debt. I am not liable for this debt with XXXX  and I do not have a contract with SouthWest Credit. In addition, they did not provide me with the legal documentation and the signed original application like I asked them. They sent me a basic letter dated XX/XX/2021, with verification not validation, and fail to provide me with the original application. In addition, they never sent me. a dunning letter in the first place. Therefore, they need to delete this account from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX {$250.00} XXXX XXXX {$830.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX XXXX {$32000.00} CHAPTER XXXX BANKRUPTCYDISCHARGED XXXX
Product: Checking or savings account

A fraudulent wire was initiated from my account. I have contacted my bank and after a week nothing has changed. I called back in again and the first call never saw any action. I never received any text alert about a wire charge. I would like funds placed back into my account. Wire was done on XX/XX/19 plenty of time has gone by to fix this problem. 

I changed all account numbers changed all passwords to accounts and secured everything on my end.
Product: Credit card or prepaid card

I have a PayPal 2 % Cashback Card with Synchrony Bank. It was subject to fraud over two weeks ago. I was sent a text stating my card had suspicious activity and that I should call the bank. I call the bank and speak with a helpful person who deactivates my card and tells me a new card is on its way. A week goes by and I am surprised to not receive my card. I go to the website to login to make sure my account is still safe, and it turns out my online access has been deactivated -- which I was never informed of. I call the bank and they inform me that not only was card deleted, but my access to my account ( my outstanding balance, my activity monitoring, etc. ) is no longer something I can access until I get my new card and set up my account again.

So, I ask " Where is this card? '' They sent it snail mail and it can take up to 10 days to get to me. So, I get annoyed that they would take over a week to get me back on my feet after fraud and request that they overnight the card to me. They agree after putting me on hold forever. The card does not come the next day ( Friday ). So I hope that I will see it Monday. Meanwhile, the snail mail card arrives in the mail on Saturday. So, I try to activate that. It's dead because I requested the replacement. This makes sense, so I wait for Monday. No card.

I call again -- they have no record of where they sent the card. No address is included with the shipping information -- even though I gave it to them twice. I ask for them to ship it again and give me the tracking number -- they then put on my hold for 30 minutes and I had to hang up. It's been over two weeks and I still do not have a replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX H 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 Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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. 
Account name # 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 XXXX 15 USC 1681 states I have the rights to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC. 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 incorrect.

Below I have attached the documents from my credit report circling inaccurate and incomplete information on my credit report for a long period of time. Moving forward I would like this Information to be deleted or removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am seeking assistance with a credit issue involving XXXX, which reported a delinquency of {$200.00} on my account that I believe is incorrect. The delinquency arose due to HSBCs failure to update my contact details after I moved, as well as their lack of communication about the account. Despite attempts to dispute the report through XXXX and TransUnion, XXXX has declined these disputes, leaving my credit score significantly impacted. 

Additionally, XXXX and TransUnion appear to have used personal information without my consent, further complicating the matter. I need guidance on how to resolve this issue with XXXX and ensure the correction of my credit report.
Product: Debt collection

I made additional payments on these accounts with the original creditors which the collections agency is not considering in their accounting. I have advised the company of this fact twice, but they have neither researched my complaint nor even acknowledged my statements to them. I am asking them to reach back out to the original creditors to verify the last balance is accurate. Every time I dispute, the collection agency merely sends me a copy of monthly statements but that does not help me discover the payments posted after the 60 day delinquency date.
Product: Debt collection

This is for an XXXX credit card for a debt from 2008 in which they did a wage garnishment from my husbands XXXX XXXX pay for over {$10000.00}. Now they are saying we still owe {$25000.00} for interest that accrued during the time that the garnishment was being paid. I sent them a letter along with a copy of my husbands orders and a Powers of Attorney in XXXX stating that my husband is currently XXXX and falls under the XXXX as XXXX has now turned the debt over to a 3rd party debt collector called Transworld Systems Inc . I just a got a letter today called a Notice of Intent to Initiative Administrative Wage Garnishment Proceedings ... .threatening to garnish my husbands wages again! When will this end and how can they garnish a soldiers wages when he is XXXX?
Product: Mortgage

this i a complaint about a late payment charge which i have tried to have corrected by statebridge company LLC which we have contacted by phone several times and explained the issue.  On  XX/XX/XXXX    we received a late charge for our mortgage. The point is that back in  XX/XX/XXXX  when statebridge took over this mortgage they told us not to pay until XX/XX/XXXX . so to keep ahead i sent in 1st payment in  XX/XX/XXXX and have paid every payment one month early and am continuing to do so. I went to my bank and got copies of every check front and back as proof of every check they have received and cashed and when it cleared my bank. we faxed these copies 3 different times to 3 different representatives and they still wo n't take the late fees off. They told me they were missing a payment the check was dated for  XX/XX/XXXX  and that they had not received it. so we went to the bank and put a stop payment that cost us  XXXX  and reissued a new check for XX/XX/XXXX . a few days later we received a certified letter notice which was the check they said the never got and it is stamped right on the front that they received it on  XX/XX/XXXX  so they had it all the time. they stated that it was post dated and they could n't cash it but they had been cashing them all along. now they say they sent us a notice of escrow mortgage increase of   XXXX   after i had sent in 2 months payments as usual they say i owe  XXXX  on each month and after i did the math on this they are adding a late charge in to this amount. they admitted the last time we talked on the phone that they had made a mistake and posted one of our payments to all principle and they would not take the late fee off even though it was their mistake. we have also sent the difference for the escrow amount in to them already. I also have paid for  XXXX . and  XXXX  payment.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes due to inaccurate information on my credit reports. Each time it was denied without plausible explanation or reasoning.
Product: Debt collection

XXXX XXXX XXXX I sent out a affidavit of truth on XX/XX/2021. 

according to the certified mail receipt XXXX it was received on XX/XX/2021 at XXXX XXXX  XXXX, PA XXXX FEDLOAN SERVICING in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving a dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. 

YOU DONT HAVE ANY RIGHT BY LAW TO FURNISH ANY INFORMATION ON MY CONSUMER CREDIT REPORT WITHOUT MY PERMISSION. 15 USC 1681B
Product: Checking or savings account

XXXX ( recently rebranded as MidFirst ) illegally withheld interest earned in my checking account. On XX/XX/XXXX, I called to close my XXXX account. The representative informed me that although I had brought my balance to zero, my account had earned interest that had not yet posted. She asked whether I wanted to forfeit that interest by closing the account before the interest posted. I said no, I did not want to forfeit the interest, so I would wait to close the account until after the interest posted. I asked when the interest would post. She said early XXXX. I told her I would wait until the interest posted, then call back in XXXX to close my account. My bank statement dated XX/XX/XXXX accurately states that I had " interest earned '' on my account. But that interest had not yet posted. On XX/XX/XXXX, I called to ask when that interest would post. A representative named " XXXX '' claimed that I had forfeited that interest by closing my account. I said no, I had neither forfeited the interest nor closed my account, as evidenced by the XX/XX/XXXX recorded call. He said XXXX had closed my account. I asked when XXXX would send me the interest earned, as other banks do after an account is closed. He argued with me and interrupted me repeatedly, and finally agreed to submit a " call review request '' for a supervisor to review the recorded call and then contact me about it. No one has contacted me. In sum, XXXX blatantly disregarded my instructions, closing my account prematurely so that it could avoid paying out earned interest. XXXX has rebranded itself as " MidFirst, '' apparently to avoid the stigma XXXX earned for treating customers badly. REAL banks pay out interest earned, even after account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " XXXX '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know recognize these inquiries
Product: Checking or savings account

On XX/XX/XXXX XXXXXXXX XXXX and return on XX/XX/XXXX XXXXXXXX XXXX location in XXXX. On XX/XX/XXXX a Debit Card Purchase XXXX XXXX XXXX # XXXX XXXX was posted by Citi Bank on XXXX for the amount of {$420.00}. Per inform from Citi Bank Representative, amount mention above was paid back to XXXX, Reason for such transaction. Now, what I need to obtain is information and documents obtain under the investigation in order for me exercise my right to appeal. And I will like to obtain in writing process and right and regulations that govern platform norms.
Product: Mortgage

i received a letter from XXXX XXXX XXXX to apply and refinance my mortgage i call and contact XXXX XXXX XXXX and he run my credit and ask for my ssn and told me that he was going to lower my rate fron % 5 to % 4.3 and i email him all my house information he also told me that i didn't have to worry about XX/XX/XXXX and XX/XX/XXXXpayments that they are taking over the loans and i told him that that sounds really goods so i can buys gifts for my relatives i was also contact by XXXX XXXX XXXX assistant and told me to call my morgate company and find out if they where to going to pay for the propery taxes so i called and they told that they are not and after that like XX/XX/XXXX and afther that day i called them both. email them both i also. i also called to speak to a supervisor and no one from this company have return my emails or called now my credit score dropped 100 pints due to this people unprofessionalism
Product: Credit card or prepaid card

On XX/XX/2018 went to try to pay my bill and store told me account wasnt active and they closed it and told me to apply again so I did and they denied me credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  Balance : {$420.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX Date of inquiry XX/XX/year>XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year>XXXX XXXX  Date of inquiry XX/XX/year> XXXX  Date of inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/year>XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX Date of inquiry XX/XX/year>XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX Date of inquiry XX/XX/year> XXXXXXXX XXXX XXXX Date of inquiry XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
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 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 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 filing a complaint against Transunion for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Transunion consistently responds within 24 hours, stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well i file a complaint with ypu all and they sent me a letter asking me that i need to send my id and ssn card. Talking about they cant find me in the system and they said what accounts would i like to DISPUTE i dont feel comfortable sending my information to them equifax i been having problems with them ... I have XXXX XXXX XXXX XXXX and. And going thur XXXX 3 times a week for 4 hours a day and i just dont be having the patients in dealing with people that u dont UNDERSTAND and u telling them the truth about you and i file a complaint against them now they saying they dont see me in the system wow but i can log in on XXXX XXXX and see my accounts