23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner. 

Please disregard the first complaint that I sent you and don't include my XXXX  XXXX inquiries. Thank you
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion and XXXX have refused to honor my legitimate requests to block fraudulent items on my credit reports, as required under Section 605B of the Fair Credit Reporting Act ( FCRA ). I am the victim of identity theft and followed the exact steps outlined by the Federal Trade Commission ( FTC ) to request that these items be blocked. Specifically, I sent each bureau : 1. A detailed letter describing the identity theft and requesting the block, 2. A copy of my FTC Identity Theft Report, 3. A copy of my government-issued photo identification, 4. An excerpted copy of my credit report with the fraudulent items clearly circled, 5. A copy of the relevant police report, and 6. A copy of FCRA 605B.

I mailed each request personally via the United States Postal Office to ensure authenticity and included all information necessary to identify me. Despite this, both TransUnion and XXXX responded by claimingwithout any factual basisthat the request did not come from me or was not authorized by me. Meanwhile, these inaccurate and fraudulent items remain on my reports and continue to harm me financially and otherwise. I have not yet received any response from XXXX, but I presume they are following the law. 

It is important to note that prompt blocking of fraudulent information is a clear requirement under FCRA 605B, provided the consumer supplies the proper documentation. I have complied fully, yet TransUnion and XXXX have chosen to ignore or dismiss my submissions. Their actions violate my rights under federal law and are causing me ongoing injury as a result of continuing credit damage from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  after speaking with Mr. XXXX one of the managers at Calvary portfolio, this account was settled for the amount of XXXX and paid. As agreed upon The information would be deleted from their account as well as all XXXX Credit report bureaus. This was reconfirmed with two other Calvary employees, their names are XXXX XXXX and XXXX XXXX. I was also emailed a letter stating the account has been paid and per their policy which is located on their site once the account has been paid they are required to delete the account and request it be removed from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX on XX/XX/2020 Certified Mail # XXXX XXXX XXXX XXXX XXXX requesting them to supply a contract to validate the account or remove the account from my credit report as of currently i still haven't recieved a responses. 

In accodance with the Fair Credit Reporting Act XXXX XXXX Account # 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 States : A Consumer reporting agency can not furnish a account without my written consent 15 U.S.C 1692 Section 805 ( A ) States : a debt collector may not communicate eith consumer in connection with the collection of any debt at any unusual time or place or a placr known or which shoulf be known tobe inconvient to the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial ran my credit without authorization on XX/XX/XXXX and XXXX. They have admitted they did this in error but as far as I can determine nothing has been done to remove these authorized inquiries from my XXXX and XXXX credit reports.
Product: Debt collection

Debt was stated due {$150.00} but recieved phone call before from company saying that the debt was taken care of because I was an employee at the time. Please have this removed from my credit report. It is stated that this comes from XX/XX/2018 I dont know why I would be charged anything for services that were stated paid for.
Product: Credit reporting

My ex husband XXXX XXXX and his current girlfriend XXXX XXXX keeps using my credit and I ca n't even access my report because I do n't know what creditors and mortgage companies they are using.
Product: Credit reporting or other personal consumer reports

I am still experiencing inquires appearing on my credit report as a result of recent identity theft.The inquires I have listed are a result of the identity theft. I am ordering that you block these inquires within 4 business days in accordance with Section 605B of the FCRA to make my credit report 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please see attached notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft due to a data breach with XXXX in XXXX. My personal information was compromised causing the following fraudulent accounts to be established in my name : 1. XXXX XXXX   XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX   XXXX In addition the following inquiries are fraudulent on my credit file due to identity theft breach. 

XXXX/XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX I have attached my necessary law enforcement documents. Please have fraudulent items removes from my credit file immediately.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

While trying to call Navient to issue a CORRECTED 1099C - they are currently giving me a runaround, hanging up on me, or reading off a script which does nothing but waste time. 

I co-signed many student loans for my XXXX children and other relatives. Navient sent a 1099C to the IRS and as of today - CAN NOT tell me who or which loan is involved. The IRS is now involved. I've tried several times to speak with the Navient Escalation team to rectify this. 

Today, in speaking with a Navient Escalation team member first told me she could not tell me WHO the borrower of the loan was, then proceeded to tell me it was for my daughter, then later in the conversation said my son 's name. When I questioned her on this, she denied saying my daughter 's name. She then read off the address that she claimed the 1099C was sent to and it was the wrong address. When I pointed this out to her, she denied reading off the wrong address. She then said she would 'RESEND ' the 1099C and then quickly she hung up on me. 

So, I'm am now VERY concerned Navient is going to CREATE and send out 1099Cs willy-nilly and impact more people. 

What's odd about this whole thing is that according to my research - Treasury Regulation SEC. 1.6050P-1 ( 7 ) - states that for purposes of filing, 'a guarantor is not a debtor ' - it differentiates between those who get the benefit of a loan and those who guarantee its repayment. 

Also, both my children SETTLED their loans with Navient and are debt free. 

If there is a class action lawsuit against Navient regarding incorrect 1099-Cs sent to the consumers and the IRS - I would love to join it. Seriously ... 

Students can apply on-line and get in debt for hundreds and thousands of dollars easy-peasy but Navient can't seem to support the after affect. 

Why do they continue to get away with this?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Dispute of Inclusion of Outdated Student Loan Debt on Credit Report To Whom It May Concern, I am writing to dispute the inclusion of a student loan debt on my credit report. The debt in question, as reported by the US Department of Education XXXX XXXX XXXX XXXX XXXX, should not be present on my credit report due to its age and the lack of recent activity. 

According to my credit report, the account is alleged to have been first opened on XX/XX/XXXX, which is over XXXX years ago. Despite not having been on my account for almost XXXX years and having had no correspondence with this or any debt servicer during this time, the account has somehow recently appeared on my credit reports ( XXXX XXXX, Equifax ) as " ACTIVE/CURRENT '' with an accumulated interest of 52 %. This is both erroneous and unacceptable.

I firmly believe that this inclusion is a mistake and is adversely affecting my credit score and financial standing. Furthermore, the sudden reactivation of this account after such a prolonged period without any activity raises serious concerns about the accuracy and legitimacy of this entry on my credit report.

I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and ensures that this outdated and erroneous information is promptly removed from my credit report. Additionally, I urge the bureau to hold the US Department of Education XXXX XXXX XXXX XXXX XXXX accountable for the inaccurate reporting and demand immediate rectification of this error.

I kindly request regular updates on the status of my dispute and any actions taken to resolve this matter.

Thank you for your attention to this urgent issue. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this error and restore the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was the victim of data breach with Experian and have found that some accounts attached to my credit reporting to be inaccurate and unknown. I have reached out in the past to properly resolve some, while new one have showed up. I could use some help with investigating and removing these as follows : XXXX XXXX for a loan amount of {$600.00} with check n go, as well as XXXX XXXXXXXX XXXX account that doesnt show any amount except highest balance for {$500.00}. XXXXl XXXX credit card for {$240.00}. Old names and addresses that I have never lived at, as well as all hard inquiries where my credit was checked. There are also charged off accounts which means they were paid by someone else that still shows on my record for XXXX XXXX  and govt credit card and discover bank. I am aware of a lawsuit with CFPB against Experian and I would like to get some help and clarity with these accounts as these inaccuracies caused financial harm and hardship. The {$130.00} was not enough to assist with higher interest rates and denials that came along with this.
Product: Checking or savings account

Navy Federal always charging me overdraft fees, they always rearrange payments and i always end up in negative balance, Navy federal will pull money out of my savings without my consent, Navy federal will charge for late fees, navy federal will charge me for a check that was valid but didn't go through via the bank app but works at the bank office.
Product: Credit reporting or other personal consumer reports

Looking at my credit report so they have me listed under names that either do not apply to me at all or have not been used in 35 years or more. I contacted them and they said that the information was accurate, and that's not true. They had me listed as XXXX. XXXX, I've never been XXXX XXXX. Never not even once, I've only had XXXX last names in my entire life. XXXX and XXXX XXXX is my maiden name. XXXX, is my married name. All that can be verified through records, and when I let them know that XXXX XXXX is not my name, they flat out. Try to tell me that it was XXXX 's my name.I think I would know better than anybody else if it's accurate or not
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and XXXX the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
CITI XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Product: Debt collection

The creditor Santander was supposed to remove debt from all trade lines as a result of a class action suit { Santander multi state ag settlement } for bad practices. I am unable to contact the correct department to have this debt removed. When i call Santander the representative try to collect the debt. I received the cash potion of the settlement but have been unsuccessful in having the debt removed from my credit report. The creditor has the debt listed on my credit report as charged off and updated monthly in an effort to further damage my credit score.
Product: Credit card

On XX/XX/XXXX, I tried calling Citibank Macy 's XXXX to resolve my account. I need to get my accounts resolved to get my XXXX XXXX Renewal. We fell behind as we lost our home and all our belongings from Hurricane Sally XX/XX/XXXX and XXXX insurance filed bankruptcy. We have received no loss-of-use or replacement of personal property. Claim is with XXXX. No settlement yet. I was told that my account was showing fraud that I could not do ANYTHING. I called around 4 times. On XX/XX/XXXX, I called and talked with approximately 12 reps. I was told that a Fraud Flag was put on my account but there was no fraud or any fraudulent activity. I was told that it was removed and I was finally sent to a rep to settle the account, which he hung up. I was on the phone for 3-1/2 hours being transferred back and forth to every dept. with no resolution. After being hung up on, I tried for a supervisor but was told it was XXXX XXXX they were no longer there. I started calling again this morning XX/XX/XXXX when they opened and have talked to 21 people today. I have been on numerous calls over 3-1/2 hours+ again. I was waiting for a supervisor but was told I could not wait but to call back again in 20 minutes. I explained the urgency as they made the error and I need it resolved to get my XXXX XXXX Renewal or I will lose my livelihood and job. I was again told that notes were made that it was not a fraud account and I called to settle. Again, told immediately it was marked fraud! I just get transferred back and forth or they hang up on me. I have been with this company over 20 years! I can not get this resolved to get my licensing. We have already lost everything from Hurricane Sally. I do not scream and I have been screaming at reps that will not listen to me or just transfer back to fraud again. I will never use Citibank again! How can I get this resolved??? They will not resolve the matter! I asked for the Legal Dept. more than once and told they do not have one available that I would have to send a letter??? I have no other option but to file complaints!!
Product: Checking or savings account

On XXXX, XX/XX/XXXX, I opened a Chase total checking account using an online promotion that promised to pay me {$300.00} after I received {$500.00} in direct deposits. I opened the account and set up direct deposit with my employer. My check was deposited successfully, then suddenly I was unable to access my account via the app. I reached out to Chase to XXXX  that my account was locked for suspicious activity that they couldn't explain and that the only way to unlock it was with my debit card which hasn't arrived yet. Once I received my debit card I called them and was told I had successfully verified and that the account would be unlocked soon. Instead, chase abruptly CLOSED the account with no explanation and told me that a check would eventually be sent with the amount of my direct deposit. This prevented me from accessing my money for several days. I visited my local chase branch to attempt to resolve the issue. I provided them with the promotion code for the {$300.00} offer but instead of reopening my account the opened a new one. It turns out that instead of opening the correct account that qualifies for the promotion they instead opened an account called " chase secure banking '' which doesn't qualify for the offer. 

I believe that the bank illegally discriminated against me.because I just turned XXXX and haven't had any accounts before. So this incident resulted in me not being able to access my funds ( as of today the check STILL has not arrived with the balance of my account ), AND they seem to be withholding the {$300.00} bonus offer that I should have been entitled to by closing my account and then opening a different kind of account in the branch. 

I want Chase to be accountable for their mistakes and honor the {$300.00} promotion that I had signed up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my Experian credit report. On XX/XX/XXXX, Experian replied to the dispute and advised that they received correspondence from XXXX, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 
On XX/XX/XXXX, I contacted XXXX for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 

When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website experian.com/upload. I was then advised that I needed to open another dispute with Experian which I did. I have submitted numerous disputes, but the most recent was done on XX/XX/XXXX and on XX/XX/XXXX Experian replied AGAIN and states that the bankruptcy was certified as accurate by XXXX. 

I contacted XXXX again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why Experian is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 

Experian uses XXXX to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from Experian, yet they are choosing not to do the rightful thing, and that is to remove this negative item. 
Attached you will find a copy of the resolution letter from XXXX dated XX/XX/XXXX that confirms they removed the bankruptcy, but Experian is refusing to remove it.
Product: Debt collection

This collection agancy has on my XXXX Report 5 marks for one account, they are reporting as if I have five separate bills this is wrongful ways of reporting collections, and against the laws the help prevent collection agencys like this to report a collection wrongfully. Secondly it has been paid and yet another derogatory mark has been placed on my credit. 

I want this taken care of or I will I am suing a company as we speak I have no issue adding to it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT.
Product: Debt collection

On or about XX/XX/XXXX, I noticed on my 3 credit reports that a debt that was included in a bankruptcy CH XXXX ) was being reported on the 3 bureaus. I reached out to the company Receivables Management concerning this, asking for them to validation this was indeed my debt and requiring them to provide me competent evidence bearing my signature showing that I have or ( ever had ) some contractual obligation to pay them. They responded by sending me a copy of a bill, with out my signature or any evidence linking this to me. I watched my credit reports to see if per Federal and State Laws they commented that this account was in dispute within 30 days of them being notified ( they did not ). I then sent them another letter advising them of this on XX/XX/XXXX and again on XX/XX/XXXX no response as of this date,