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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Two debt collection agencies XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) keep putting repeated derogatory information for the same accounts on my credit report that is not mine. I have disputed them multiple times through the credit agencies and had them removed but they keep putting them back on my credit report every year. This is for an address that I have never lived at, but using my social security number. 

I attempted to contact Sunrise Credit Services to notify them of this. They told me I had to provide multiple pieces of personal information including photocopies of my driver 's license, my social security card, a W2 showing my address which I am not comfortable providing ( nor should I have to ) a private company to resolve an issue such as this. I don't understand why there is no communication between the credit agencies ( XXXX XXXX XXXX  ) and these collection agencies to verify that the same negative information is being places on the credit report for the wrong person.
Product: Student loan

I had my student loans closed and forgiven through XXXX 's XXXX XXXX XXXX XXXX discharge, but Navient still shows the account 's as open and in good standing.
Product: Student loan

An escrow company submitted XXXX payoff checks to Navient on my behalf. The checks were overnight shipped to the proper address, an employee at that address signed to accept the delivery, and I received confirmation that the package was delivered. The checks cleared the bank on Jume XXXX, but Navient has not applied the amounts to my account. They say that they did not cash the checks, that XXXX XXXX cashed the checks, and that I need to resubmit checks to the proper address and deal with XXXX XXXX to get a refund. I confirmed the address with Navient, sent them the deliver confirmation, sent them copies of the cancelled checks, proving that the checks were addressed at made out to the proper entity. Still, the refuse to resolve the issue and credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to file a complaint against Transunion, XXXX and the XXXX XXXX XXXX XXXX. 

I have filed a credit dispute over inaccurate information listed on my credit report, because I am in the process of applying for a home loan. I have waited over 30 days and tried to give Transunion a chance to resolve this issue. I filed a re-investigation, and still to no avail Transunion and the XXXX XXXX XXXX XXXX has chosen to violate and ignore the statutes of the Fair Credit Reporting Act, along with the Fair Debt Collections Practices Act. I have duplicate accounts being reported by the XXXX XXXX XXXX XXXX with incorrect amounts listed. I asked for my investigations to include validation to ensure the accuracy of information listed. I have legal documentation of my attempts to have inaccurate and false information removed. It has now been close to 90 days where fraudulent inaccurate information, has been publicly shown after my intial dispute. These same accounts have been sold previously with new contracts created. So why have these particular accounts been opened and closed continuously adding additional funds and inaccurate information? I the consumer have had to pay for these discrepencies, by being halted from moving forward with my home buying process. Even though I was told that I would get this accurate validated information presented to me by mail within 30 days. I have received nothing. I am requesting that the incorrect and unvalidated information be removed from my credit report, in accordance with the provisions provided to me by the Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

I have been applying through XXXX and similar sights for " XXXX XXXX '' positions. On XX/XX/2022, I received an email from " XXXX XXXX from XXXX '' claiming they had reviewed my resume and were interested in having me go through an online interview. Over the course of a few more emails they accepted me for hire, and sent me an Offer Letter which I signed and sent back. On the letter was a list of office equipment I was to acquire. He instructed me to print out a " Soft Check '' for {$4900.00}, which he had emailed to me. Once I mobile deposited the check and it cleared with Wells Fargo, the next day I made XXXX wire transfers, one being through XXXX. I continued to exchange emails with this person, as he explained my name needed to be on the check to acquire the office equipment after XXXX weeks of employment. I found this to be fishy, but everything had been so elaborate I went with it. And eventually the communication stopped, and I was left disputing the scam through Wells Fargo. After a month or so, Wells Fargo denied both wire and XXXX dispute, claiming that because I made the transaction, I was responsible and have to take the loss. I am searching for legal advice at the moment, as I believe Wells Fargo should have put a hold on the check for 10 business days. Because they cleared the check in one day I came to believe it was a good check.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I previously submitted a complaint regarding an Unauthorized Inquiry from XXXX XXXX  on my Equifax Credit Report via Complaint # XXXX. 

On XX/XX/XXXX, XXXX XXXX  responded to that complaint advising that they sent information to Equifax to remove this inquiry from appearing on my credit report. However, as of present, XX/XX/XXXX, the inquiry is still appearing on my credit report. Equifax has stated they haven't received anything to remove the inquiry, I disputed the inquiry, yet chase says it's valid which contradicts the letter that they sent me confirming that they alleged they sent correspondence to Equifax to have this inquiry removed. 

Please resolve this issue immediately per your letter advising that you requested the inquiry to be removed as per Equifax, they don't have anything from you supporting this.
Product: Mortgage

I paid off my mortgage on my primary residence in AR last XX/XX/XXXX. The mortgage was originally with XXXX but was taken over by Nationstar in XX/XX/XXXX. When I paid the account off I received nothing from Nationstar to confirm the payoff until I called and asked for confirmation -- XXXX times and 6 weeks before I received a response. I was sent a copy of their filing with XXXX County asking that the Release of Lien be recorded and returned and was told I would get that recorded Release when they got it back. After many tries I never did get the recorded release from them After multiple calls, lies and exchanges of letters I was told they had sent me everything I was entitled to and hat they had investigated and done nothing wrong. I believe this is fraud and can hurt unsuspecting consumers who may rely upon a release only to find out years later when they go to sell that the records do not reflect the release. 
While, after months of dealing with this company to no avail, I was able to pay a lawyer and get the recorded version of the Release, not everyone can do this and I should not have had to. This company was rude, arrogant and negligent at best in NOT fulfilling what it said it would do and what it is required to do and less fortunate people should not have to put up with this type of treatment. Please let this company know that you are watching and will not tolerate what happened here as a routine when dealing with its customers.
Product: Checking or savings account

I received a letter dated XX/XX/XXXX from PNC where I had two checking accounts asking for {$380.00} that they say was still owed on the business account ending inXX/XX/XXXX, ( see attached ) .. They stated this amount was due and payable at this time. I have real issues with this letter. This started back in XXXX and I have already filed a complaint regarding this onXX/XX/XXXX and they still have not answered yet they feel they can send collection letters. The letter is signed " XXXX '' a Recovery Specialist. XXXX who? Whatever happened to correct letter writing where you would put your full name? The letter has no explanation as to what I owe {$380.00} for. I then went to online banking to see if I could find why this money was owed and was given a screen that says there are no eligible accounts. How convienent for PNC to wipe all this info off their system. ( See attached ) PNC has a way of paying merchants who they want to and who they do n't want to. If the money was not in my account due to a PNC error why would they pay the money out to make my account go negative. I will not be paying any money on this letter. Another class act action on PNC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX credit card account showing a balance of {$10000.00} on Credit Karma ( reported by XXXX  ) is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many bankruptcies. My identity has been compromised and it is very upsetting to see the amount of accounts that were open under my name. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX/XXXX XXXX {$670.00} XXXX/XXXX XXXX {$510.00} XXXX/XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} BANKRUPTCY XXXX DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Student loan

I requested a misconduct discharge application and was denied. They stated thank you for your message. There have been no mandatory regulatory requirements for private student loans, in regard to this subject. 

I have been approved for a borrow defense claim via my federal student loans due to XXXX XXXX XXXX XXXX XXXX XXXX misconduct, they are now closed and defunked. 

The Federal Trade Commissions 1976 rule concerning the Preservation of Consumers Claims and Defenses ( or Holder Rule ) ensures that consumers are not held to a loan or credit obligation related to the purchase of goods or services that they did not actually receive as promised. Under the Rule, schools and colleges under the FTCs jurisdiction can not accept the proceeds of a student loan unless the loan contract contains a specific term that allows the student to raise school misconduct as a defense to repayment of the loan.
Product: Debt collection

Transunion was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number XXXX. I have never done business with XXXX XXXX XXXX. 

Desired resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609
Product: Credit reporting or other personal consumer reports

I took out 2 loans to pay for graduate school with XXXX. I received one of the loans for my first semester. However, I withdrew from the school my second semester and the money from the second loan was never dispersed to me or my school.

Both loans are showing up on my credit report showing that I still owe the full amount. 

I reached out to XXXX about this issue and was on the phone for over an hour and re-directed to 3 different representatives. I was told in order to remove this loan from my account I would have to contact the US Department of Education. 

I filed a case about this with studentaid.gov and was told in order to fix this, I would need to contact my loan servicer, XXXX. 

It seems that neither XXXX or the financial aid office is willing to help remove this charge, even though I have clear proof from my college 's financial office that the loan was never dispersed to them for the second semester.
Product: Mortgage

I engaged in refinancing my mortgage with Amerisave Mortgage. I was promised {$2000.00} in lender credits at the onset which I have written confirmation. There was also a long drawn out issue with the rate and points I was guaranteed, again, I have this in writing. Amerisave made good on what I was promised regarding the rate and points after many conversations with supervisors at Amerisave but they did not honor the {$2000.00} in lender credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX my Equifax score decreases by XXXX. It says I have no credit history and my XXXX XXXX XXXX XXXX card closes recently this week, which it did not. I tried to dispute a claim with them online. It sent me to call them. I called and they put me on hold and I had to call back. They than told me to pay for a credit report and that I cant dispute online. Only by fax or mail. The thing is my proof is online in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a police report the following accounts are still on my Experian Credit Report. 

XXXX XXXX XXXX Account # XXXX Payment Status Charge-off Past Due Amount {$23000.00} XXXX & XXXX Account # XXXX Balance {$2200.00} In XX/XX/2017 I spoke with a Experian representative regarding my situation. The representative advised me to get a police report as a supporting document regarding the accounts. I went to the XXXX Police Department and retrieved a full police report. On XX/XX/2017 I faxed and mailed the police report to Experian to remove the accounts. Accounts have been charged off and they are negatively affecting my credit report by reporting it as late and has been transferred/sold to collection agency. I do not have this vehicle. In addition, if you singularly or severally fail to comply with the above requests I reserve the right to seek damages and legal suit against all parties, under all available State and Federal statutes and XXXX XXXX remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a permanent credit card offers optout on all three credit agencies on XXXX on websiteoutoutpreescreen.com with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks from XXXX XXXX XXXX XXXX credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen again.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX AUTHORIZED USER Balance {$23000.00} Balance updated XX/XX/XXXX Credit limit {$30000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card XXXX XXXX XXXX Balance {$5000.00} Balance updated XX/XX/XXXX Credit limit {$5000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Credit usage - % credit usage unavailable Balance {$17000.00} Balance updated XX/XX/XXXX Credit limit -Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX, XXXX XXXX Balance details Balance {$1200.00} Balance updated XX/XX/XXXX Original balance {$1600.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX XXXX XXXXOriginal creditor XXXX XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$1300.00} Balance updated XX/XX/XXXX Original balance {$1300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal dateXXXX XXXX
Product: Debt collection

There really is n't an option for my issue so I chose the closest options. XXXX XXXX XXXX, who has participated in illegal recovery efforts before, is making hard inquiries against my credit report up to XXXX times per month - sometimes on consecutive days! I understand that collection agencies have the right to make inquiries while collecting a debt, but is is really legal for them to try to bully a response by damaging someone 's credit with incessant credit inquiries? That seems unethical at a minimum. There are no debts on my credit report owned by XXXX. I did have a collection with them at some point in the past ( and was actually awarded a part of the settlement for violations of debt collection practices ) but currently there is no collection associated with them on my report. How can I make them stop making insane numbers of hard credit inquiries every month?! 

The attached file is a screenshot from my XXXX credit report.
Product: Checking or savings account

This happened in 2017 at Bank of America bank. I had just opened a brand new checking account with Bank of America. I can admit that none of this would have happened if I had inputted the correct account number for direct deposit for my job. I was off by one digit. Then XXXX the company I was working for at the time had to send me a check. So I waited maybe a week, because I remember receiving the check on a Saturday. My bank Bank of America was closed. So I decided to use the Banking Mobile Application to deposit my check. I completed the instructions as told, such as sigh the back of the check, then take a picture of the check on the front and back as I was instructed by there services. When it was ready to submit I pressed the submit or enter button to complete. Then nothing displayed on the app showing that the check I entered was completed. As a regular person would do, is to redo it. Only because I thought I didnt complete it right. So I proceeded to submit again. This time it showed completed. The next morning, I didnt receive any notification that my account was instantly Closed!! I did notice that both deposits of the same check was showing on the account. As a responsible citizen. I immediately called the bank, wondering what happened and why is the Checking Account I just opened is now Closed. 
I requested to speak to Supervisor to see what I did wrong and why they made that decision. He explains that they can close accounts anytime they want if they feel its fraudulent activity. Im complaining because they have made me feel like a Criminal, when I didnt have criminal intentions. Its was a simple mistake that I didnt notice happen until the next day. Plus they didnt even bother to ask or see or hear my side of the story. This is Discrimination towards me. There account services made my look like XXXX for not understanding. I have never been treated so horrible in my life. Their decisions were unfair!! When I went to the bank yesterday to be added on to my fianc account. I was still denied it has been two years almost. The representative stated We have a right to close an account like you do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to the bureaus about fraudulent information on my credit report due to Identity Theft. They have removed or updated most of the issues except for removal of the bankruptcy that no one can legally verify or validate. XXXX  and XXXX have removed the account from my report, however, Experian and XXXX  have failed to do so along with other inaccurate issues. I have provided them with copies of letters from the court they named as well as a letter from XXXX stating they have removed the record. I also provided them with a copy of my police report. I am attaching these same documents to my complaint to show that the documents indeed exist. 
My reputation and ability to acquire a government contract is being jeopardized due to the lack of proper investigation, validation and/or verification of my information.
Product: Debt collection

I am writing to you in order to gain some knowledge and understanding about the process of charge-offs and its relation to the IRS. A credit card company did a charge-off of an old debt that was 15-20 years old, unbeknownst to me. I never received any notification that this debt had been charged off until the IRS sent me a letter telling me that I now owe them money due to the charge off that occurred back in XX/XX/XXXX. The delinquent debt occurred during the time I became unemployed back in XXXX and took 1+ years to find another job. During that time I made every attempt to set up payment plans with my creditors, but they all told me no. I was receiving unemployment benefits and used my retirement fund and savings in order to take care of myself and my young daughter. I had to pay my mortgage, so the credit card companies were not able to be paid enough. I informed them all of my unemployment, but it made no difference. They continued to add fees and charges onto my accounts. These events occurred back in XXXX, but the charge off of $ 10k+ occurred in XX/XX/XXXX. The credit card company never notified me nor did they ever tried to alert me to a charge off of debt. I am not blaming the IRS, and I have already contacted them to let them know that I was not aware of the charge off, and that I would do everything in my power to accommodate them. The IRS advised me to do some further investigating prior to submitting anything to them. I would like to understand how or why a charge off of an old outdated debt could happen 10-15 years later. Please provide me with additional information about this and also please let me know if I'm responsible for the payment of this tax fee to the IRS for this charge off. Any assistance or advice from you would be greatly appreciated. Thank you so much for your time. I look forward to hearing from you soon. Also, I will let the IRS know that I have been in touch with you regarding this situation. Thank you again. Please enjoy your day.