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

I have been going back and forth with Transunion about inquiries on my credit report that were not authorized. I was a victim of identity theft back in XX/XX/XXXX  Someone attempted to get a car in my name on XX/XX/XXXX as well as a XXXX card through XXXX XX/XX/XXXX and something through XXXX XXXX XX/XX/XXXX. The latest thing they applied for was XXXX XX/XX/XXXX. They are telling me I have to contact each individual creditor and have them write a letter stating they will remove them. I dont think I should be the one to do that if I was the VICTIM!! That is unfair to me!! 
Also I bought a carXX/XX/XXXX. I stepped into the dealership with a approval from XXXX XXXX auto financing. There was no need for the car dealership to run my credit!! They ran it anyway and I was hit with 10 inquiries ... why?? I didnt authorize them to run my credit. That was my whole reason for me finding my own financing!! 

Identity theft inquiries are as follows : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Both XXXX and XXXX have removed said items and Transunion should follow suit. I have now placed a fraud alert on my ssn.
As far as me buying my car and having my own financing to where the car dealership did NOT need to run my credit these are the inquiries from them doing so without my authorization : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This is so unfair to me!! I have called Transunion so many times and I keep getting told to  contact each individual company. Once again its not fair to me if I was the victim of identity theft!! And if XXXX and XXXX both deleted them why come Transunion wont?!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX FIN Account Number : XXXX ; XXXX  Account Number : XXXX.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Checking or savings account

Hello, On XX/XX/2020 a charge for XXXX to XXXX XXXX XXXX XXXX appeared on my Chime bank account. I did not authorize this charge and contacted Chime bank immediately to file a dispute claim ID XXXX. I filled out Chime 's dispute form and waited for their results. They denied my claim, and I requested the documents they used in their determination. I received the documents and proceeded to ask questions about their findings, but was not successful. I also contacted XXXX and Verified by Visa, but they all referred me back to Chime. 

On XX/XX/2020 I filed a dispute on the charge for non-receipt of goods claim ID XXXX, as I had not been able to get any satisfactory communication with Chime. This dispute was also denied. Here is where the problem is, I requested the documents used in their determination and the documents clearly show that the purchase was not sent to the billing address of my Chime card, nor was an email associated with me used. It also stated that the IP address was inconsistent with the billing city. It gave me the address of the person who used my card which didn't seem very professional to me because what if I chose to confront this person? I have repeatedly asked if I could speak to a fraud examiner and I have spent many phone calls and emails trying to resolve the issue with Chime, but I am usually connected to customer service reps that are unable to help with my situation. I would like for there to be a review of my case by someone with a fraud examination background.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised due to identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX XXXX  Account Number:XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) .Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX  The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX  XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX  The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Product: Debt collection

Voice  mail on  XX/XX/2017    about  XXXX  am got a cell voice mail from  XXXX   XXXX  saying the federal state law for  XXXX   XXXX  confidential if this is not the intended person to please hang up, so them the voice mail went on to say that  XXXX   XXXX  has the authorization to collect for creditor and has not heard from me, and if I dont want this to go into a greater problem that it will affect my society security number  I  need to call this number  XXXX  they are in a position to try to rescind this matter or have my attorney call,? they will public my society security to damaged me.         Later about  XXXX  I call back spoke to  XXXX   XXXX  said that I owe about {$640.00} and if I can pay this, I told her no she then said she can discount  XXXX  I still said no I can only pay  XXXX  per month  XXXX  said I can pay with debt card but I will have to set up, so I said I will call back  XX/XX/2017    so I did call back about  XXXX  am at that time I asked her for the company name and address and the business license this is the fair debt collection rights when I asked for this information Mrs.  XXXX   XXXX  said that she could not provide the business license she gave me the company name  Direct Recovery Services , No physical Address Only A Box # I asked if her company had a license to do business in the state of California she said yes, BUT I dont know that. The bottom line is that Mrs.  XXXX  did NOT offer me a Validation Notice so that I can confirm the Legitimate debt from this collector or that I Can dispute the amount she also said that they sent me letter on  XX/XX/2017    to my address which I have never received, I asked for a fax copy she said only E-mail I told her I have no E-mail. I feel that this agency is taking advantage of consumers that dont understand the debt collection practice laws,
Product: Credit reporting or other personal consumer reports

I have encountered persistent issues with XXXX XXXXXXXX XXXX reporting practices, specifically regarding a paid charge-off that has been erroneously re-reported on my credit each month. 

Despite the credit bureaus having deleted this entry, XXXX XXXX continues to inaccurately report it, resulting in ongoing negative impacts on my credit score. 

Despite my repeated attempts to rectify this matter with both XXXX XXXX and the credit bureaus, they have been unwilling to investigate or correct the error. 

This continuous reporting of a paid charge-off is not only misleading but also damaging to my financial reputation.
Product: Mortgage

This is a second complaint agains Wells Fargo. I am not getting the documents as promissed. I spoke to a representative yesterday and told me they sent the wrong cover sheet to XXXX, where the correct doments need to be recorded. Please help since this keeps delaying my equity loan. 

Thank you so much in advance for your help. 
regards, XXXX XXXX
Product: Student loan

Total XXXX  XXXX expunged my student loans because I am totally and XXXX XXXX. Then the nelnet office reinstated them even though I get SSI and my doctor signed their paperwork like 25 different times on 25 application for about 15 years.
Product: Debt collection

I am writing to formally request verification of the accuracy of the account information reported by XXXX XXXX XXXX XXXX XXXX XXXX my credit file with XXXX. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), which grants me the right to dispute inaccurate or unverifiable information on my credit report.

The details of the account in question are as follows : Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$970.00} Discrepancy Noted : I dispute the account as I believe it is inaccurate or unverifiable. 

I request that you conduct a thorough investigation of this account and provide : Verification of Accuracy : Documentation and/or evidence from the furnisher of information confirming the legitimacy of this account and its reported status.

Correction or Deletion : If the information can not be verified or is found to be inaccurate, please remove or correct this account from my credit file immediately. 

I have attached copies of my credit report highlighting the disputed account, government-issued ID, and proof of address to assist with this process. 

Please be aware that the FCRA requires XXXX to complete this investigation within 30 days of receiving my dispute. I also request that you provide me with the results of your investigation, including the name, address, and contact information of any furnisher of information you verified during the process. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. Please direct all correspondence to the address provided above.
Product: Credit reporting or other personal consumer reports

Based on my credit report XXXX XXXX XXXX XXXXXXXX, Capital one, XXXX is reporting inaccurately under the 15 U.S. Code 1681i all original creditors must report accurately, I have requested numerous of times proof t no proof has been submitted, also my information was used incorrectly. Also, some of the dates are not consistent on my credit report. Need a copy of original purchase agreement if not requesting that you delete in 15 days or less. 

Account # XXXX Captial one XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX
Product: Debt collection

Credit Collection Services illegally committed multiple violations against my consumer rights. Attached is a copy of mailed correspondence to the company making them aware of my violated rights as a consumer, and owed remedy via invoice for my injuries form their violations.
Product: Vehicle loan or lease

On XX/XX/XXXX I contacted Santander Consumer USA to discuss errors on my credit report. In XX/XX/XXXX I was injured in a life threatening accident that has left me XXXX XXXXXXXX. When able I contacted Santander ( as well as my other creditors ) to inform them of severity of my injuries. I spent the first 2 years of recovery hospitalized and then moved into XXXX XXXX. Santander was very responsive at the time. At the time they agreed to close and settle my account with the proceeds from the sale of my automobile. Santander was to send me an account history and a debt settlement letter for my records. The car remained parked at my house whilst I was hospitalized. They would retrieve it later.

Recently, I when looking at a credit app I noticed that the account was not closed and it was actually being re-aged with a new closure date of XX/XX/XXXX. I contacted Santander right away. Unfortunately their customer service agents have been difficult to deal with. The notes in their system are only half complete. Their phone records log my call and that I requested payment of account information in writing be sent to me. However, the information recorded as to the exact documents sent is sparse according to Santander. I have asked that they pull phone recordings from my call but they seem not to have retained it.

Upon suggestion, I escalated my calls to the Office of the President/Consumer Affairs. I have spoken directly with Dept Supervisor XXXX XXXX who was unable to help but also made it very difficult by attempting to close out my complaint several times. Then I spoke directly with VP XXXX XXXX. Its been a month since I spoke with him. I have left messages with XXXX XXXX or a secretary 2/3x per week since. XXXX said that he would return my call after investigating. He has never called. On Monday XX/XX/XXXX, after a full month of waiting I was passed to XXXX in Legal Affairs. XXXX assured me he would speak to XXXX and call me today on Wednesday. The day has come and gone and I have heard nothing. I have made over 50 calls in the last month trying to resolve this issue.
Product: Credit reporting or other personal consumer reports

My information was involved in the XXXX Data breach and also the XXXX XXXX  and Trust Data Breach and i do not Recognize a lot of the information and inquiries on my credit report Listed Below. According to 15 USC 1681 which governs access to consumer credit report records and promotes accuracy, fairness and privacy of personal information assembled by CRA. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX Names XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Student loan

The Navient on-line website only show XXXX payments received from me from XXXX 2024-XXXX 2024. I have in fact made over XXXX payments, XXXX of which were made in the month of XXXX for the amount of {$340.00}. I have uploaded the statements to their website as instructed, but every time I call customer service to get an update either they contend they they are not able to see the documents yet or I'm routed to another automated phone connection. No one seems willing to assisting me with resolution, instead, they want me to make alleged past due payments. This is very troublesome as payments made by me are not posting but the funds have been deducted from my account. I even have confirmation numbers for each of the payments made but the company contend they do not have these confirmation numbers. This is even more troublesome.
Product: Mortgage

In XXXX my ex wife filed bankruptcy and it went through. She is NOT on the deed and shouldn't have been on my mortgage. I have lived in my house since XXXX and have been paying my mortgage monthly. In XXXX Rushmore Loan Services pulled the account from my credit report saying that bc of the bankruptcy that the account is closed. So I asked if I still have to pay seeing that it was closed. They said yes, if not then the house will go into foreclosure.
Product: Money transfer, virtual currency, or money service

The date of the incident was XX/XX/XXXX I got a call on XX/XX/XXXX from the fraud detection dept of my bank wells fargo, in regards to two transactions made on two of my accounts, one was joint checking account with my husband, which we took me out of the joint account for this was something that we were going to do anyway, for I have my own cheching account, which is the second account the got an incident. Someone from LA went to wells fargo there and made a cashier 's check with my info, and before that he/she accessed ny online banking and transferred money from the joint account ( previousley ) to my personal checking, how were that/those people able to get a cashier 's check without their identity verified by the teller/manager of the wells fargo bank in LA. How did that/those people get the cashier 's check so easily that they could have taken cash as well from the account without being verified, unless/could be that it was set it with the teller of the bank or miss checking and verifying from the teller/manager, and yesterday even after we went to the bank and closed the accounts and got new accounts numbers, the people has made many attempts on XX/XX/XXXX XX/XX/XXXX to pull more money out of the accounts, for we were notified by the bank the next day in regards to this major fraud and identity theft incident. The bank gave no info other than where it happend, which in LA and for what the cashier 's check was made for, which was for rent, but the bank gave us no info of which bank and time of incident or the name of teller or the name of the manager or the name of the entity that got the payment. We really need help. This have never hapoened with us or anyone we know before. We are very worried, anxieted and scared that they might do thar over and over with us or other people. We need our money back, the bank returned to us the online transfers back, but they told us the cashier 's check money should be back, the did not guarrenty it for us. Thank You
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Balance {$830.00} XXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$660.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$340.00} XXXX XXXX Balance {$250.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1200.00} XXXX & XXXX XXXX Balance {$1000.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$4000.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$860.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX  XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My student loans were transferred over to Mohela in XX/XX/2022. Several employment certifications for PSLF had been sent over from XXXX XXXX. My counts were not updated. In XX/XX/2022, I took the day off because despite the transfer my loans had inaccurate counts knowing that the wait times would be longer than typical. Some payments had been counted while others had been excluded with no rhyme or reason. After spending all day on the phone I finally spoke with a supervisor who found that they had indeed overlooked employment certifications and she told me they would escalate it up to ensure those accounts were accurate. That never happened. I called again to find out why nothing had happened, and was told the request was cancelled. I asked to talk to a supervisor, and waited on the phone for two hours. No supervisor ever picked up. I called again today because nothing has changed. I was told that I was " approved '' but my employment was not certified. This makes no sense. I asked to speak with a supervisor and was told that I was not allowed to unless they got special permission. She said she would go ask, and then she left me on hold and never came back to the call. At this point I have spent over 14 hours on the phone with Mohela, and they have refused to fix a mistake they already acknowledged they made. In addition, they are not allowing access to appropriate individuals who can address the problem. They had all my paperwork in XXXX XXXX XXXX and have done nothing with them.
Product: Checking or savings account

XX/XX/XXXX & XXXX & XX/XX/XXXX. 
Bank of AMERICA IS MY COMPLAINT IS ABOUT. THEM HOLDING OF COMPANYS CHECK DEPOSITS TO PLACE THEM ON HOLDS & BLAME THE FDIC SAYING THAT THE FDIC HAS NOT released CLEARING THE CHECKS.THIS HAS BE GOING ON FOR 6 MONTHS. At CERTAIN PERIODS OF TIMES NOT EVERY TIME. OUR CUSTOMERS THE CHECKS ARE FROM ARE LONGTIME CUSTOMERS WHO PAY LIKE CLOCKWORK BY CHECKS.PLUS WE KEEP ENOUGH MONEY OR OTHER TYPE FUNDS TO COVER OUR CHECKS.
Product: Credit reporting or other personal consumer reports

Fir XXXX XXXX XXXX XXXX XXXX has reported a charge off that not only is inaccurate reporting but also I was told and stop by the XXXX company they ordered a repo even when I believe u advised them where the car was and also I phoned them they never pick up the car claiming that insurance company has it and now they state that they are waiting for the XXXX XXXX to send final bill well neither is nit true at all also XXXX never pick it up also tge amounts are wrong the company never pick up the vehicle for resell and there exist no charge off nor XXXX if so why am I being ask for money from the XXXX XXXX when XXXX already advised me that they would pick it up .....