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

When I got a copy of my credit file from Equifax, I noticed that there are some inquiries that are on there that I don't know anything about. I pointed this out to them several times and they have done nothing. This is making my credit score drop dramatically. And I need it removed because I did not Give anyone authorization to pull my credit. The following accounts are due to identity theft, and not authorized by me.. 
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX This is a violation of 15 usc1681b Quick search by citation : Title enter title Section section 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave anyone written instructions as to how or if I want this furnished, did they have lawful authority to furnish this information? No they did not.

Someone provided a copy of my identification with out my knowledge. This is a violation of 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses. 
( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.there for this information should be removed or blocked.15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Product: Debt collection

I sent a letter asking to reinvestigate the accounts listed below I looked at my credit report for XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
Caine & Weiner # XXXX {$380.00} open dates are not reporting correctly, the date last active, date of last payment is not correct, wrong spelling of my name, charger offs, incomplete account numbers, inaccurate information, closed account. 
Caine & Weiner XXXX XXXX XXXX. XXXX FLOOR XXXX XXXX, CA XXXX | ( XXXX ) XXXX Can you look into this matter?
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning issue regarding the reporting of my credit history by Transunion. Specifically, I am disputing a medical debt that was charged-off and subsequently sold to another creditor, XXXX XXXX XXXX ( XXXX ). The account number associated with this debt is # XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), it's essential for credit reporting agencies like Transunion to ensure the accuracy and fairness of the information they report. However, I've discovered that XXXX is inaccurately reporting a charged-off medical debt on my credit report. 

Furthermore, as outlined in 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form with the knowledge that it would create the false belief in a consumer that someone other than the creditor is involved in the collection of the debt. Despite this, XXXX XXXX actions suggest otherwise, leading to confusion and potential misinterpretation of the debt collection process. 

Additionally, XXXX failed to provide me with an opt-out form, as required by 15 U.S. Code 6802. This omission deprived me of the opportunity to exercise my right to opt out of the information reporting on my credit report, further exacerbating the issue. 

Moreover, the Privacy Act of 1974 explicitly prohibits the sharing of patient information with collection agencies or any third party without proper authorization. XXXXXXXX XXXX disregard for this law has not only compromised my privacy but also infringed upon my rights as a consumer. 

The presence of this medical collection on my credit report has had detrimental effects on my ability to engage in financial transactions, including obtaining mortgages and extensions of credit. It has caused immense stress and difficulty for both me and my family, hindering our ability to operate fairly in commerce. 

In light of these violations and the resulting impact on my financial well-being, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in XXXX XXXX reporting. I also urge XXXX to comply with all relevant laws and regulations to ensure fair and accurate credit reporting practices are upheld. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address this issue and ensure a fair resolution. 

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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I applied for a high-yield online savings account through Bask Bank , a division of Texas Capital Bank XXXX I was declined, but the bank could not provide any reason. Further, I asked if they would send an adverse action notice with the reason per the FCRA, and they said no. I am a retired Federal annuitant and was employed as a commissioned XXXX XXXX  XXXX with the OCC and a senior financial analyst with the FHFA. I do not have any derogatory account or credit history and maintain an excellent XXXX  score. 

I am very frustrated with this bank and their reluctance to help me resolve this decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX manages payme to for this account through their XXXXXXXX XXXX XXXX all payments have beenade on time per the agreements with the creditors but the creditors XXXX and XXXX have reported adverse actions on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  record speaks about a XXXX XXXX and it was only ( 1 ) one year, and also gives other false or misleading information with regards to the XXXX Of Course the " XXXX XXXX '' ended the XXXX XXXX XXXX was 33 days. 

When time and money permit I intend to have the court 's decision reversed as I was deprived of due process. They would have lost in a jury trial.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my Experian and XXXX accounts. 

I called them both on XX/XX/XXXX and XXXX/XXXX/24 and two more times. 
Experian said they are unable to dispute and remove unauthorized inquiries on my account and instructed me to call the creditors to have them send Experian a letter to remove the unauthorized inquiries. This is not the process in which I was able to remove unauthorized inquiries before. I spoke to other agents about 3 more times and they all did not help. 
I sent dispute letters by certified mail to the credit bureaus, delivered on XX/XX/XXXX24. 
I called XXXX  XXXX XXXX on XX/XX/XXXX24. The claim number is # XXXX and they said it would take 5-7 days for them to investigate and send Experian the requested letter. Nothing. I called XXXX  XXXX XXXX on XX/XX/XXXX24 and they said it would take 5-7 days for them to investigate as well and send Experian the requested letter. Nothing also. 

Meanwhile, I created FTC reports for all of the creditors ( see attached ) and stated the issue about the unauthorized inquiries on my report. I mailed the information to the bureaus as they requested, with certified mail, delivered on XX/XX/XXXX24. 

I called XXXX  and XXXX again on XXXX/XXXX/24 stating that I mailed in letters and FTC disputes. XXXX said it's still pending. And XXXX said the accounts resolution team would email me a letter that I can send to Experian. I received nothing. I called XXXX again on XX/XX/XXXX24 and they didn't have an answer. I called XXXX on XX/XX/XXXX24 and they said they will check on the issue again ... .I have not received or heard anything from them at all. 


It's ridiculous that I have to go through these measures to get something removed off my credit profile that wasn't supposed to be there, with staff unwilling to help with any urgency.
Product: Student loan

navient did not work with me in efforts to gain lower repayment options that were within my ability to repay in accordance to my income. Though I explained my hardship ( head of household with one income ) navient still demanded high repayment amounts that I could not repay monthly. With navient reporting missed payments to the three credit bureaus each month my credit score has dropped and is continually dropping today dramatically ( if there were logical/realistic repayment options I could have possibly began to pay.
However, being that navient had no desire to work with me to repay debts that has acquired such high interest amounts, I decided to dispute the late payments as well as ownership of the debt to navient. navient then replied with no supporting documents verifying that I owed them nor a promise to pay as I requested them to provide me. Instead I continue to receive harassing phone calls from various numbers at all times of the day, while at work, and even late hours of the night which is unacceptable.
navient also refused to allow me to explore the option to release my parents as co-signers in efforts to provide them relief from the financial stronghold that navient has on their lives. Alongside of that deceitfulness navient created many obstacles when I did attempt to pay them or defer payments. I was charged several hundred dollars in efforts to defer loans just so that my credit score/reports would not be negatively affected.
Since the transition from XXXX XXXX to navient occurred documentation has been altered or is missing. Therefore, navient has not provided me with valid documentation confirming any true or accurate debt to them. With all described, I should be relieved of all obligations to repay navient and all records of late payments, collections or delinquencies on all three credit reports should be forgiven/removed. This should also be done in respect to my co-signers/parents as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with the credit reporting agencies since XX/XX/XXXX with last letter dated XX/XX/XXXX. I sent in a dispute to Equifax, XXXX, and XXXX. Equifax responded XX/XX/XXXX with a single page stating results are accurate an account has been verified and this is their only time responding. XXXX never responded at all. I request the means of validation not verification. There was no update to the outdated XXXX XXXXXXXX XXXX XXXX XXXX as a matter of fact it is debt that was sold to XXXX XXXX who reported the debt at the same time XXXX was still reporting a delinquency, so It appeared two different companies had me in collections when it was for the same account, therefore only one was supposed to be reporting once sold. I reached out to XXXX XXXX and they said they no longer service the account nor do they have any information besides the account is a charge off and out of their hands. Going back to the bureaus none of them would remove XXXX or show how the account was validated. Equifax went further and updated the dates on the account to XXXX dropping my score because it looks like this was a recent charge when in actuality it was from XXXX when the account was sold to XXXX XXXX  XXXX I paid XXXX XXXX  and they removed themselves immediately after payment but XXXX just has all the wrong information ( non-matching ) listed on Equifax, XXXX, and XXXX and it's causing me issues with bank underwriter 's thinking it was a recent charge off due to the dates on all bureau 's not matching but they refuse to remove the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a divorce in 2016, My ex wife has continued to obtain new credit in my name. I have disputed many accounts, address 's and alias 's that appear on all 3 credit bureaus only to have them respond with " we need proof ''. There not my address 's not names I have ever gone by and not my debt! Despite going to the police to have it stopped and filing complaints with local law nothing changes or helps I have a score so low Im really just stuck. I can't even buy a car without 40 % interest. This is insane!
Product: Mortgage

We filed a complaint about JP Morgan Chase Bank handling of our account and foreclosing on our property when we had a written offer for a short sale for {$15000.00} more than what the property foreclosed on. They responded claiming we were not approved for a short sale which we have documentation that we were. They also stated that our offer was missing the short sale addendum which it was not
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent me their reinvestigation of the fraud address OF XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX place on my credit by XXXX  and Equifax to my knowledge. My FTC identity theft # XXXX. 
REPORT # ATTACHED under my name XXXX XXXX XXXX It lists the creditor info as follows COMPANY NAME NO ACCOUNT NUMBER XXXX Equifax states they removed it. 
Ok. I need the creditor information of the entire credit detail inquiry PLACED ON MY CREDIT WHILE I HAD IT FROZEN XX/XX/2019. THIS is unacceptable. The FCRA ACT STATES I am legally entitled to the creditors information so that I can call and investigate. Equifax send me the total details of the credit inquiry placed on my Equifax and XXXX  credit while frozen XXXX XX/XX/2019 of XXXX XXXX XXXX XXXX Virginia. 
Or is the companies name Company name no account number. 
Because this has my personal paid for fax service NUMBER XXXX of XXXX linked to it. So this means Equifax this FRAUD creditor AND THIS IDENTITY THIEF has my fax I pay for {$19.00} per month for and I have had interceptions of my legal document transmissions. SO THIS IS GETTING REALLY LEGAL EQUIFAX. And XXXX  Please submit your response thru the cfpb portal for local state and federal law enforcement investigationscoming up real soon I hope.
Product: Credit card or prepaid card

We received a US Bank Relia Card that was unsolicited, and when we tried to get help to find out why we received this unsolicited card, we were asked to enter a social security number and birthdate before moving forward, which we did not do.

We have no bank account with US Bank other than a loan with US Bank and we never applied for a " Relia Card '' and this was totally unsolicited. The card has my name on it and it looks as if it can be used.

I need to find out why I received this card but can not get help from US Bank Relia Card when I didn't ask for this card and can not get help from their toll free number. I'm concerned fraud is involved.
Product: Debt collection

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXXXXXX {$200.00} XX/XX/year> 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below.

i have already disputed with each bureau on XXXX XXXX XXXX,

but they did not remove these items. Sec. 602 States I have a right to privacy. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

FedLoan accused that I was delinquent on making payments toward repaying my student loans beginning XX/XX/2016, and they reported my loans as delinquent to the credit bureaus, so they now show up negatively on my credit report. However, they also approved " Delinquencey Forbearance '' on my account/loans from XX/XX/2016-XX/XX/2016, and approved " General Forbearance '' on my account/loans from XX/XX/2016-XX/XX/2016. Because forbearance was approved, I feel I should not be considered delinquent on these payments, and therefore it should not have been negatively reported on my credit report as such. FedLoan denied to take any action to correct this false, negative reporting when asked to do so, and stated " it was too late '' to take any corrective action on removing the delinquent accounts from my credit report.
Product: Mortgage

I purchased my home in XX/XX/XXXX and in XXXX I became XXXX In XX/XX/XXXX, I was approved by Keep My Tennessee Home Hardest Hit Fund Loan through the Tennessee XXXX XXXX XXXX ( XXXX ). After my loan was completed I was approved for a loan modification through XXXX XXXX Mortgage XXXX and then transferred to XXXX XXXX XXXX I was approved for a XXXX modification through XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX at the height of XXXX. I completed the trial period in the amount of {$650.00}. XX/XX/XXXX I underwent another hardship when a water pipe burst under a slab in my home which increased the water usage and my bill was extremely high and couldn't make my mortgage payments. In XX/XX/XXXX, XXXX informed me by letter my mortgage was being transferred to SN Servicing Corporation and they would be able to assist with the modification process. During XXXX and the slab leak and high utilities my payments fell behind. In XX/XX/XXXX when I became able to to start making payments my case manager./representative, XXXX XXXX ( XXXX XXXX XXXX X XXXX told me I needed to do another modification even after I told her I was approved by SPS. She also told me to pay something to show good faith, ( at least I started to ). In XX/XX/XXXX I received a letter stating {$600.00} payment was rejected and charged {$30.00} which wasn't refundable because it wasn't sufficient to make the payment as stated in the notice of payment for {$710.00}. And I never received my final modification contract with new mortgage payment. At this point I was confused and in need of help. She said I needed to pay as of XX/XX/XXXX {$12000.00} mortgage payments in full. She said I couldn't afford my home and should sale it, file bankruptcy take out a XXXX XXXX XXXX, after she revealed to me she was homeless. I told her I was sorry to hear that but it sounds like you want me to be homeless too, because instead of trying to help me keep my home you sound like you want me to be homeless like you were. I asked to speak with her Manager. She transferred me to her Mgr. XXXX XXXX. They both refused to accept any payment unless it was in full ( one lump sum ). I feel I have been discriminated against because after my mortgage was transferred from XXXX XXXX XXXX, SN Corporation Servicing refused to honor my Covid-19 hardship modification, refused to accept reduced payments or make payment arrangements. I now have foreclosure sale date on my property for XX/XX/XXXX Respectfully and Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX XXXX I received an email from XXXX XXXX. XXXX XXXX informed me that my Wells Fargo Credit Card account has been closed. So, on XX/XX/XXXX at XXXXXXXX XXXX and XXXX XXXX I called Wells Fargo Credit card Department at XXXX to get some information on why wasn't I notified through them in write, email or a phone call to let me that my credit card account we being closed my their company. One person didn't give me a explanation on why the didn't notify me and the other person when I called back to make arrangements and to see if the account would open back up this person told me the account was closed for good and they're going to add late fees and inerest on the closed and account. When I asked her why would the keep add of those fee 's when their are then one who closed my account she told me that's their policy.
Product: Credit card

I have hard inquiries on my report that I did not initiate. It was only when looking at my report that I became aware of these they are as listed below. There is an inquiry from XXXX that I did initiate via XXXX on XXXX XX/XX/year> this XXXX way me the XXXX below were not. 

ALLY CREDIT CARD XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>