23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management send information by XXXX stating that they were going to take me to court on one account and served me paperwork on another account. I didnt purchase anything from this company.
Product: Credit card or prepaid card

Citi credit card arrived in my name and address earlier this week. Today ( XXXX XXXX XXXX  ) I received two identical letters, appearing to be from Citi, asking me to call ( XXXX ) XXXX for a fraud investigation. Recorded voice asked me to enter my card number first, which I did. Connected me with an operator who asked for my Social Security number, I refused and asked for more information. He ended the call
Product: Credit reporting or other personal consumer reports

I have disputed the attached accounts multiple times for inaccuracy and false reporting. The are not any accounts I recognize opening and accounts have so many discrepancies that I question the integrity. I have a right to accuracy and completeness on my report so I have requested that the inaccurate accounts be removed but they are still reporting. The accounts do not even show a notice of dispute so I KNOW there was not investigation completed. The account must be removed since it is impossible to verify the because of all the inaccuracies and discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is spelled XXXX XXXX any other way is in correct There are also addresses on my Report I never lived at. 

I uploaded my XXXX  XXXX bankruptcy discharge letter from XXXX any negative credit reporting before or after should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charges. I ask that the item be blocked to correct my credit report. I've been fighting these accounts for several months with the credit bureaus and i'm getting no help at all.
Product: Debt collection

Called XXXX XXXX Services due to excessive phone calls for auto loan placed calls are more than XXXX per day. Advised the account XXXX to remove any phone numbers not associated with the person. The only number should be contacted is XXXX. All other number on file are no longer valid. Received XXXX more calls to different numbers listed as a referral contact that is not associated with signing the loan. Debt collection should not be placed to the referral phone numbers ( phone numbers were used to obtain and secure the loan not for debt collection purposes ). Escalations XXXX refused to place a Cease and Desist on all referral numbers per the borrower 's request and advised the best and only contact number should be on file as XXXX, escalations XXXX still refused and had advised the referrals to call the company directly ( referrals not approved for the loan ) to have phone removed from the borrower 's profile. Remove phone XXXX & XXXX and any number not listed under borrower 's name ; denied by company.
Product: Checking or savings account

BBVA Compass bank purchased by PNC Bank. Email correspondence informed customers that online banking login from Compass Bank BBVA would still work with PNC. I am able to login, but do not see my personal checking account, business checking account or business line of credit. I need to pay my contractors, pay payroll tax, pay myself, and can not access money. I am currently traveling and unable to go to a branch in person. 

Tuesday XXXX XX/XX/XXXX - unable to access personal checking account, business checking account, business line of credit. Emailed long time BBVA Compass bank contact, now a PNC employee. No response. 

Tuesday - called local PNC branch in XXXX ( XXXX ) XXXX several times, finally spoke to a teller who informed me they are having serious issues with many many customers and my accounts should show up by the end of the day. In the meantime, I called PNC XXXX, and waited on hold for more than 45 minutes several times. Never spoke to anyone at the 800 number. 

Wednesday XX/XX/XXXX - Still no account access. Called XXXX and waited on hold again for more than an hour. Nobody every answered. Called the local branch again and now nobody answers that line. I visited XXXX and the XXXX XXXX account, where they have the audacity to tweet they 'are here to help ' and there is obviously someone managing that account. I sent them a direct message several times and tweeted about my frustration. There are many others that chimed in that are having the same issues. The website appears to be down so now I can not login at all. 

Thursday XX/XX/XXXX - Still no account access. Still no account access. Called XXXX and waited on hold again for more than an hour. Nobody every answered. Called the local branch again and now nobody answers that line. More people on XXXX voicing frustration, and I even see XXXX XXXX active on XXXX, but no response to my tweets or direct messages. Some people are leaving phone numbers, I have called and left messages for PNC employees. 

I don't know what to do at this point.
Product: Mortgage

I applied for COVID relief for my home mortgage in XXXX. At the same time my ex-husband, who is still on the mortgage filed for bankruptcy. I have been working wilth the Wells Fargo Preservation Group since XX/XX/XXXX to get the modification and getting my ex off the loan. 
I have been making all the loan payments since our divorce XXXX years ago. I signed and notarized an FHA Covid loan agreement on XX/XX/XXXX with a banker from Wells Fargo. I have been making the adjusted payment every month and today I have received a letter from Wells Fargo that they are foreclosing on my home. 

I have done everything that they have asked me to do. I have tried to email my home preservation assistants ( there have been at least XXXX different ones ) and I have not heard back from him since XX/XX/XXXX. I am so scared of losing my home because of Wells Fargo 's ineptitude and horrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes XX/XX/2020 and have YET to receive any indication of an investigation being started. I feel like I'm being toyed with and taken advantage of at this point. According to the FCRA credit reporting companies must investigate items in question within 30 days. It's been over 30 days and still nothing. Please resolve this and delete all inaccurate/unverifiable items from my report immediately.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Debt collection

Transworld System, amount for XXXX. I have sent Debt Validation to Transworld System several times and they have not responded and continue to report information to my credit reporting agencys
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX XXXX XXXX Account # XXXX Open XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have some hard inquiries investigated and deleted from your company as they are hurting my credit score and the excuse that I get is they are statement of fact. This is not true and your company has failed to do the job laid out by the FCRA. I want these inquiries investigated and deleted. <P/>here is a list of inquiries on my report that should be investigated and deleted XXXX XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies will tell you that credit inquiries are just a statement of fact and can not be removed. This is not true. FCRA Rules state that any information can be disputed and must be investigated. <P/>Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. <P/>Credit inquiries made without your permission can indicate fraud ; in which case the credit reporting agencies may put a fraud alert in your files. A fraud alert will make it difficult for anyone, including you, to access your credit report without your permission.
Product: Credit reporting or other personal consumer reports

Im writing out of sheer frustration with the repeated errors on my report. These inaccuracies have caused my score to drop and are actively limiting the options available to me. Its unfair and disheartening to see mistakes that I didnt create impacting my life so negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that is innaccurate. I attempted to pay this multiple times online and it showed that it went through, it wasn't until later that I got a notice that I was late. This is their fault, not mine.
Product: Credit card or prepaid card

XXXX XXXX XXXX  Claim XXXX Chase Sapphire Reserved claimed thaXXXX their travel insurance for baggage delay will be covered but it was a scam. After I submitted all information online and by mail my bags were delayed for more than 7 days. This is the reason they tried to deny my claim : " No physical tickets were purchased with your covered card. '' I bought the airplane tickets using the chase sapphire card. 
This reason is invalid because the ticket was bought on XX/XX/XXXX ( see explanation below ). 
Please see the attached file XXXX XXXX for the original boarding pass. 
Also, please see the attached bank statement from Chase : XXXX : You can see my card number ( sapphire reserve ended XXXX ) on page 1 Page 2 : Purchase date is XX/XX/XXXX for ticket XXXX XX/XX/XXXX XXXX to XXXX. 
This evidence was submitted in XXXX. I submitted 1 inch of paper full of evidence, however they closed the case and deny to pay for what they claim " travel insurance. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

They arbitrarily change scores like its stock market and theyre inside traders. This XXXX has been going on for 10 plus years. The 3 credit agencies are as corrupt as you can get. They are XXXX. I have perfect credit yet they constantly rise and lower my score to try and get me to buy other products. I need to XXXX them for a XXXX dollars each to effect change. Do your jobs and go after these XXXX for ripping off America
Product: Student loan

In XX/XX/XXXX after struggling to make payments because my interest rates are over 9 % and 11 %. Finally at this time after reviewing financial information they were able to grant me interest rate reduction ( 6 months at 6.5 % ) to help pay my loan. For the first loan it lowered my monthly payment to XXXX and the other XXXX. In XX/XX/XXXX I checked my account online and realized that even though my payments were automatically debited at the lesser amount, the interest rate wasn't reduced. I called customer service and they explained that a disaster forbearance was placed on my account ( never explained why ). Finally they made the interest the proper 6.5 %. 

Then I realized that the proportion of my loan was being paid just to interest and nothing to principle. Therefore, they were taking less amount each month but never attributing anything to interest. The documentation will be uploaded of this. They corrected the month of XXXX for each of these loans. 

I called customer service over 5 times during XX/XX/XXXX and XX/XX/XXXX and explained that corrections needed for XX/XX/XXXX payment and XX/XX/XXXX payment. I speak with the supervisors. They promise they will call back and never return my calls. 

My issue is they are incorrectly allocating my payments to not all me to pay principle down. Even after multiple attempts to fix and rectify this they have not for those two months.
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX I CONTACTED THE COMPANY BY PHONE. I REQUESTED THAT THIS IS ABOUT THE XXXX  TIME SENDING COPIES OF MY SSN CARD, PROOF OF ADDRESS TO VERIFY MY IDENTITY AND FOR THEM TO REMOVE ALL INACCURACIES FROM MY REPORT. UNDER USC 15 1681g I REQUESTED TO SPEAK TO A SUPERVISOR. UPON EXPRESSING TO HIM THAT THE COMPANY CONTINUES TO SEND ME A REPORT WITH SOMEONE ELSE 'S SSN ON MY FILE. I AM REQUESTING THAT IT HAS TO BE REMOVED IMMEDIATELY AND HIS RESPONSE WAS IT BELONGS TO YOU AND IT WILL REMAIN ON MY FILE. THIS WILL BE THE MY LAST ATTEMPT TO HAVE THESE ITEMS REMOVED. 
UNDER. USC 15 1681g subchapter ( e ) ( 1 ). PARAGRAPH 1.

I HAVE PROVIDED THE COMPANY WITH ( i ) the presentation of a government-issued identification card UNDER USC 15 1681g subchapter ( d ) ( 1 ) I AM REQUESTING ANY DOCUMENTS USED TO VERIFY THAT THE ACCOUNT # ENDING IN XXXX THAT I OPEN THIA ACCOUNT AND ALL SIGNATURES BELONGS TO ME. 

I WILL BE SEEKING MONETARY DAMAGES FOR ALL VIOLATIONS UNDER FCRA.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information on my credit report. In accordance with 15 U.S.C 1681b and 15 U.S.C 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX / DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA To whom it may concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the state of Missouri Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've tried to reach Equifax to find out if I was part of the breach, https : //trustedidpremier.com/XXXX to no avail. Additionally I went to annual credit report dot com for the federal law approved report too, it 's locked and not taking requests currently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sent Transunion a request in XX/XX/year> to remove or delete XXXX XXXXXXXX , .The FURNISHER did not remove from credit report.
Product: Credit reporting or other personal consumer reports

I submitting this request to inform that I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} 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: Debt collection

Stenger & Stenger failed to realize that this " judgment '' is not on XXXX XXXX 'XXXX  credit reports as a judgment, nor is there anything on his credit report for XXXX XXXX from XXXX. Also, Stenger & Stenger DID NOT allot Mr. XXXX his day in court to dispute anything regarding this TIME-BARRED debt. The ORIGNIAL supposed legitimate judgment was put forth on XX/XX/XXXX vis a Civil Summon that WAS never served to Mr. XXXX by 1st debt collection Attorney XXXX XXXX XXXX, nor was Mr. XXXX ever served when the 2nd debt collection Attorney XXXX XXXX XXXX. XXXX  tried to pursue this same so call judgment back in XX/XX/XXXX. And, NOW Stenger & Stenger are the 3rd debt collector Attorney to try and collect on this " said '' judgment that from Day 1 has never been handled, nor served proper that Mr. XXXX was able to go into the Court and dispute this so called Judgment. Stenger & Stenger, again is trying to collect on a time-barred debt & a Judgment that show nothing on Mr. XXXX 'XXXX  3 credit reports. There is ABSOLUTLY NO PROOF OF THIS DEBT under any of the Consumer Fair Debt Collection. Stenger & Stenger is try to extort money for a bad debt the chose to purchase from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.
Product: Vehicle loan or lease

On or about XXXX XXXX, I made a payment of {$430.00} to Toyota Financial Service for my auto loan. XXXX  to me, Toyota Financial changed my post date until XX/XX/XXXX without my permission. I received a call from Toyota Financial ALLEGING that I did not make my XX/XX/XXXX payment. I disputed the false allegations and told representative that I already made payment on or about XX/XX/XXXX. I tried calling Toyota Financial on XX/XX/XXXX, XXXX to correct THEIR mistake and I have been WAITING on the phone for over XXXX XXXX MINUTES and counting! I want Toyota Financial to correct THEIR mistake, not to be charged any lates fees, additional cost or accumulated interest because of THEIR error! I have NEVER requested to have my payments post dated and I have enough funds in my account to cover the transaction then and now.!