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

Below you will find the list of institutions that got a copy of my credit report in the past I have had no luck removing them with previous methods so this is my final resort. Please delete these inquires off my credit report. 

XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XXXX XXXX, XXXX, XXXX inquiry dated XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX BANK inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX  XXXX inquiry date XX/XX/XXXX, XXXX  XXXX inquiry date XX/XX/XXXX, XXXX OF XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX.
Product: Mortgage

XXXX / XXXX /   17  - I calle d Pentagon FCU to en sure our  XXXX  payment had been made as my husband had passed away on  XXXX / XXXX / 17 . The mortgage was only in his name. I paid the mortgage and was asked if I would like to be contacted in regard to my options for the mortgage going forward. I said yes. From this call all my joint accounts were frozen.      XXXX / XXXX / 17  -  I  hand carried the paperwork and death certificate to the main branch of  PenFed  in  XXXX  VA. It was to be faxed to the estate department o f PenFed.       XXXX  - I called as I have not received any information regarding the mortgage, I do not have access to the information regarding the mortgage, and I have to call each month to make a payment and I have to remember to place the call. I was told that it was necessary to provide a death certificate - told them that had been done a month prior and that it was hand carried to them. I was told that someone would contact me - still no resolution or correspondence from  PenFed regar ding the issue.
Product: Credit card

The creditors is reporting inaccurate information in CAPITAL ONE Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. CAPITAL ONE XXXX
Product: Debt collection

I received a wage garnishment document from my employer from a debt collector that has been apparently selling an account behind my back over and over for XXXX XXXX  without my knowledge. I was never served or made aware of these court filings that were taking place for XXXX XXXX I had no knowledge of this account due to the fact that it is XXXX XXXX XXXX XXXX  There was never a judgment on my credit from XXXX  like the garnishment states nor was the account ever on my credit as a repossessed vehicle. I do not owe anyone {$65000.00}. Ive never purchased a vehicle that expensive before. I am a single mother of two children with no family or help and can not afford a wage garnishment. I pay XXXX XXXX of all expenses for three people on a very minimum salary. The statue of limitation is almost run out on this account TWICE based on California State laws. Im not even sure why Im receiving this garnishment or if it is even legal for creditors to constantly sell a XXXX XXXX XXXX account over and over and for them to try to garnish your wages after two decades in California. I am disputing this very old debt claim and the amount is absolutely outrageous for a account that is over XXXX XXXX I was never made aware of these proceedings. I had to reach out to the company on the letter from my employer they never reached out to me about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Midland Funding for an account that they are reporting on my Credit Reports. I have been disputing the Validity and Accuracy of this account for several months and not only have they failed to correct the errors or provide proper verification that this is my account ; they have added this account back to my credit report without any notification and they've recently added the same account with a new account number to my credit report. Also, the Original Creditor that they are listing isn't even on my credit report. I am preparing to purchase a home and their actions will make it difficult, especially now that they are being malicious by adding another account, reporting this collection account as current and continuing to report false information. 

My Name is : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Company the complaint is against : Midland Funding Account # : XXXX New Account # Recently Added : XXXX I have included : - Screenshots of the information being reported on my Credit Reports ( As of XX/XX/2020 ) - Letters that I have written to XXXX, XXXX and XXXX  ( Dated XX/XX/2020 ) - Letters that I have written to XXXX, XXXX and XXXX  ( Mailed XX/XX/2020 ) - Letter to Midland Funding ( Dated XX/XX/2020 ) - Letter to Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) Thank you in advance. 
XXXX XXXX
Product: Debt collection

credit collection services XXXX XXXX XXXX XXXX ma XXXX is collecting for XXXX. file # XXXX XXXX acct XXXX for {$460.00}. I wrote to XXXX and CCS about the amount which is wrong. I had secured other auto insurance. XXXX is trying to say this is owed for 20 days?! not true when my monthly payment was {$160.00} for 30 days! I am asking for you to step in and investigate.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I am troubled to find a late payment notation, even though I have never made a late payment.
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 should show never late, has MO child support XXXX, MO child support XXXX, XXXX  XXXX, Child Support Enfmnt XXXX 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
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX and Trans-Union to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true! 
I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please contact XXXX, XXXX and Trans-Union , immediately to remove this information from my credit file.
Product: Credit card

I have been paying my SEARS credit card on-line for the last year. I took the electronic statements to save paper. Now I can not log into my account. The web site just hangs. I called them up and they stated that the account might be corrupt but they ca n't fix it. How am I suppose to pay for an account that I ca n't access and they ca n't fix? I no longer get printed statements so this is XXXX. Tell Citibank/SEARS to fix their system so I can make the payment I was making.
Product: Mortgage

My name is XXXX XXXX XXXX ; and I will try to summarize the unfortunate set of circumstances that caused me to default on my mortgage payments. I have always worked hard to keep my financial obligations in good standing but unfortunately due to a change in my financial circumstances and the simple fact I am a XXXX year old retired female, I have fallen behind on my mortgage payments. The husband, XXXX XXXX, is XXXX years old and doing odd plumbing jobs here and there to help keep the family and monthly bills afloat. For months we have lived out of our reserves so we would n't default on our payments, but eventually, our savings have depleted and as a result of the circumstances, we got to the point where I was unable to comply with my financial obligations. Furthermore, as of next month our monthly payment will go from {$1200.00} to {$1700.00} due to the fact we had an INTEREST ONLY LOAN. At this point of our lives we just want to stabilize a fixed rate on our monthly payments so we can plan our last retired years accordingly. 
I inquired about financial assistance with the lender, Seterus and submitted all my financial information to them. I was just advised that due to the fact I was only XXXX month behind on my mortgage payment I will not be able to retain any workout assistance. I 'm not quite sure exactly how this works but I find it a bit disturbing that if I need assistance yet I ; m doing everything possible to not fall so behind on my mortgage payments I do not qualify for assistance. Does any other information not be taken into consideration? My age? The terms of my loan, like the fact that I am retired and paying on an INTEREST ONLY loan? Yet we have XXXX something years old whom are XXXX healthy and able to work yet have n't paid their home in over 6 years, those we help and modify. With a lower fixed interest rate I believe that me and my husband can plan accordingly and make our payment happen. Along with this letter I am submitting all of our financial information to show proof of the income in our household. Furthermore, I would really hate to lose the opportunity to be eligible for this great program in which I believe I am a perfect candidate for since I am right around the margin of XXXX % debt to income ration to qualify for this outstanding program. 

Seterus has not been the easiest to work with and I feel like the lender is not doing all they can do to help me find a better resolution to my current situation. All I want is to be able to keep our HOME ; I would really appreciate if you can help me to get my file properly reviewed so my loan could be modified to a level that is affordable for me now and sustainable over the long term. I thank you in advance for your kind consideration of my situation. I hope you will be able to assist me in my goal of retaining my home and help me find someone who will take my file seriously. I know that Lenders with the reinforcement of the government can help people like me find a solution and be able to stay and keep their homes. A house is the largest investment that a person can have and it also represents his/her stability.
Product: Checking or savings account

I tried to open a chime account the other night and I kept going through the whole thing name date birth social security number address I kept doing it over and over again I can't make me do the same thing all over again name date of birth address social security number permission to run the social so I finally got in touch with someone and she said that there's an account open to my other email which I can believe I've had so many phones stolen I'm a victim of cyber gangster okay and I can't get into that email but instead of letting me open a new account she said I can try to get into the other account that somebody else open why would I want something else open what did they do I mean they didn't open it obviously some kind of financial gain so yes I did want to open a chime account but I wanted to open it the email I wanted to open in and I want to know what was the point of somebody opening a chime account for if they didn't use it and why would I want to be connected to a fraudulent account I think they should have closed it and then offered to open me a new one and cuz I didn't do it
Product: Debt collection

Several months ago I went into a XXXXXXXX XXXX XXXX XXXX XXXX to see what they had for hair products for XXXX patients hair, as I have had XXXX and XXXX. The clerk said something about saving on my purchase if I opened an account then. The woman clerk suggested it would save me about {$10.00}. and final cost would be {$26.00} and it would be billed. I did it and then the clerk put in my information into the system. She took my drivers license and asked me for my social. It turns out she took my address off of drivers license which is residence at a RV park with no direct mail delivery to my site as it does not have lot number, so all my mail goes to XXXX XXXX XXXX the town of XXXX, Florida. The clerk didn't ask for mailing address. 
So, starting several weeks ago I started getting phone calls from a Comenity Capital Bank and didn't think much of it and thought of it being another scam or telemarketer that call, text and email me daily trying to take advantage of me terminal health condition. Comenity kept calling and not leaving messages, so I kept ignoring them until more recently leaving a short message to call them. 
So, on XX/XX/XXXX I spoke with them and asked what this was regarding and they said an account with XXXXXXXX XXXX XXXX XXXX for and amount of {$130.00}. I said I was in there onetime and it was like under {$30.00}. They said it was {$26.00} for purchase and {$110.00} for I am not sure what it represents, but not at all a purchase. I told them, I had never received a card from XXXXXXXX XXXX  and/or a statement or anything in the mail at all representing XXXXXXXX XXXX XXXX All of this occurred because the clerk at XXXXXXXX XXXX  handled all information put in for processing application. 
Comenity on XXXX, XXXX on the phone made like all I had to do was pay the amount of the purchase {$26.00} and that would be it. So, I paid the {$26.00} with my debit. I had explained the whole situation with Comenity of addresses and never receiving card or bill andthat I have XXXX XXXXXXXX and having issues because of it and treatment for it. 
I thought it was over with paying the amount they requested of {$26.00} that I paid with Debit but on XXXX, XXXX I received a letter in email from Comenity requesting the other amount of {$110.00} which I don't know what it represents and thought they waived that from phone call on XX/XX/XXXX. 
I believe this is unfair and not getting anything in the mail or otherwise to represent the {$110.00} being billed now. If anyone thinks I would intentionally not pay a bill if received for {$26.00} and let it become {$130.00}, they are wrong. It wouldn't make sense and there are a number of factors why this all happened and none by my hand with intent. Please I don't want this to be a focus of my life remaining and stressing me out, when my fight should only be in my health. Please help me! Thank you
Product: Credit card or prepaid card

Fraudulent use of Debit Card ( Master Card ) issued by KeyCorp XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX ), that was used for deposit of state unemployment ( West Virginia ) funds. Fraud cash transfers of {$500.00} on XX/XX/2020, {$500.00} on XX/XX/2020, and fraudulent use of card to pay a wireless telephone charge of {$64.00} on XX/XX/2020. 
I advised the issuing bank ( Key Corp ) of the fraud on XXXX They canceled the card on that date and issued a replacement. I reported the fraudulent charges to Key Corp 's Fraud/Security department on XX/XX/2020. Key Corp 's Fraud/Security department said it could not stop the fraudulent payment of {$64.00} for the wireless telephone payment being made since the funds had not yet been paid ( scheduled for XX/XX/2020 ) but had been scheduled/deducted from my debit card already. Key Corp 's security department said they would investigate, but no case number was assigned nor has any resolution to the problem been achieved.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX 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, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXXXXXX XXXX Not my account Victim of Fraud Identity theft Have contacted company
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute the following as this is the second attempt. Please remove them.
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. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : portfolio recovery associates XXXX XXXX : portfolio recovery associates XXXX XXXX : portfolio recovery associates XXXX
Product: Debt collection

Capital One was informed of my job being affected by Covid 19/ Natural Disaster and they agreed to set up a monthly payment arrangement for me in the amount of {$300.00}. However, Capital One charged off my account in the amount over {$600.00} and did not follow the agreement that they arranged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Product: Student loan

There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.
Product: Credit reporting or other personal consumer reports

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX reported account # XXXX as 120 days late. 

The last payment made on the account was XXXX, XXXX. No payments have been made since that date. To now show the account 120 days late is purposely hurt my credit score. 

I am enclosing the before and after reports as well as the account posting.
Product: Credit reporting 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 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 XXXXXXXX # 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 16815-2 ( 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.