23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX, I filed bankruptcy. My Navient loans went into a forbearance that basically double my loans instead of being discharged. After the bankruptcy was discharged in XX/XX/XXXX, I have been trying to work with Navient to lower my payments. They have often put my loan into forbearance and I am no longer given the option for an income based repayment plan as they say I am no longer eligible. I tried to request lower payments but, because I have a cosigner, they would not work with me. I tried to have my cosigner taken off my loans but they said that it is not possible unless the cosigner dies and I have proof of it. The high cost of the loans is creating a financial crisis in my life and Navient is unwilling to work with me on lowering payments.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Social Security Number : XXXX Date of Birth:XXXXXXXX  I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report. 
2.An updated credit report reflecting the corrected information. 
3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Mortgage

I am trying to short sell my house but the attorney representing the servicer ( SPS ) will not allow a short sale. We did receive all the paper work and online access to file the required documents and have an executed contract for a short sale but law firm is blocking it. I am also seeking relocation funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX XXXX -- - IDENTITY THEFT! 


UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Upon undergoing a back ground check for federal employment, I learned this debt was listed with a collection agency on my credit report. I mailed a letter to Pinnacle Credit Service on XXXX/XXXX/16 asking for verification/documentation of the debt. They did not respond. I mailed a follow up letter to Pinnacle on XXXX/XXXX/16 with a copy of the original letter. I asked again for verification/documentation. They did not respond. I mailed a third letter certified mail return receipt requested on XXXX/XXXX/16 advising them to verify the debt or have it removed from all three major credit reporting bureaus. I received the return receipt verifying they received the letter XXXX XXXX. They still have not communicated with me or removed the debt. I applied for a mortgage on XXXX/XXXX/16 and was denied an FHA loan because this debt is on my report, yet the collection agency will not respond with verification/documentation.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHMENT FOR THE FOLLOWING 6 ACCOUNTS TO BE DELETED FROM MY ATTORNEY. 

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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO Whom it may concern : I recently received a copy of my ( XXXX, Equifax and XXXX ) credit report, and i noticed some late payments posted on my credit report : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

On XX/XX/XXXX I noted 2 unauthorized withdrawals from my checking account posted on that same day and I immediately notified my bank that same XXXXThe first was a " XXXX XXXX XXXX debit of {$2000.00} '' and the second was a " ATM XXXX XXXX XXXX XXXX XXXX '' debit amounting to {$980.00}. Both items bore " Pending '' as part of the description. 
On XX/XX/XXXX my wife and I called the bank and were told the only available person in authority to meet with was a person at a food store location. Briefly we were informed that we should " freeze '' the account and set up a new account, transfer the account '' s remaining balance and all monies would be returned soon or at least in 10 days. 
My balances were always shown in the original amounts but could not be transfered when I tried. 
Mant exchanges between the bank and us, none truthful or factual until we finally were notified that all monies had been returned to our account and NSF fees were changged in amounts. However, when I tried again to transfer, the notification was that the funds could not be transfered. Such remains the case today! XX/XX/XXXX as we prepare to again personally tomorrow XXXX. 
The bank involved is Associated Bank with main offices in XXXX XXXX, Wisconsin. Their authority advised that my funds would be held pending their ability to recoup fradulently removed funds. 
Amounts currently held in the " frozen '' account include Social Security and Private Pension funds.
Product: Money transfer, virtual currency, or money service

They will not allow me to use the money they have in my Venmo account. They need to verify my identity ( fine ) - but I have submitted my documents for this TWICE ( once in XXXX, once in XXXX, XXXX ). I have the confirmation emails that they have received them and are processing them and it will take 2-3 days. However, they never process them. The chat and phone assistants cant help with this, but promise to escalate the problem to a back office that has no time frame for resolving it and no way to contact them directly. 

I want my money that they are holding ( only {$66.00} at this point, and rarely do I have any in that account, but earlier this year it was {$100.00} - MY money that I couldnt use because they refuse to do what they say. 

AND I want to be able to use Venmo as it was designed in the future without wasting HOURS of my time trying to get them to do what they said they were doing months ago, Companies who hold peoples money should not be able to hide behind theres no way to reach us directly only our frontline assistants who cant help. 

I am FURIOUS that this has taken so long to resolve and that their company is so unapologetic about not dealing with it. ( Because it doesnt effect them. ) No business should be able to operate like this.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

After pulling my credit report on XX/XX/XXXX I noticed a fraudulent account for Kohls that was issued by Capital One, N.A. After contacting Kohls I was told the account had been sold to a debt collection agency, XXXX. On XX/XX/XXXXXXXX XXXXXXXX contacted my via mail for payment of this alleged debt in the amount of {$610.00}. Attached is a copy of my Federal Trade Commission Affidavit report listing the account was opened fraudulently. Ive also contacted my local police department to submit a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and a fraudulent account was opened with a company named Acima. I told XXXX that the account was fraudulent and I had zero knowledge of it. I want it removed from my credit report. They have not removed it after I have submitted two disputes regarding it. I have called the company ( Acima ) as well regarding this fraudulent account to tell them its not mine and that its due to identify theft. They have not been helpful either in resolving this either.
Product: Credit card

I suspect that Citibank from which I have a credit card, shares my credit card transaction data with 3rd party vendors. After shopping with my Citi MasterCard, I see on my XXXX feed advertisements on products and services that are similar to what I just purchased using my credit card. For example, when I bought an indoor TV antenna from XXXX, I saw an ad on XXXX within an hour for a similar TV antenna. Another example is when I bought dishwashing detergent, an ad for dishwashing detergent of another brand popped up on my XXXX feed. In all these and other cases, I used my Citi credit card for the purchases I made. This is very disconcerting because Citi is likely sharing with XXXX or more companies data on my transactions down to the individual item level of my purchases. This is a gross violation of my privacy and I would like to file a complaint against Citibank credit cards.
Product: Debt collection

Harvard Collection Service is RE-aging this debt. This dept os over 3 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Mortgage

I received a letter onXX/XX/XXXX stating that Chase LO on XX/XX/XXXX andXX/XX/XXXX did not require I submit income documentation in order to receive a Loan Estimate onXX/XX/XXXX which is incorrect. I had to submit Tax Transcripts onXX/XX/XXXX before I was able to receive the XXXX - see the attached emails. In fact, I had an appointment with one LO in XXXX XXXX branch onXX/XX/XXXX but he refused to take my application until I had all of the documentation on this Chase paper form. As a result, I went to the XXXX XXXX branch to meet with XXXX XXXX. He also required that I submit income documents before he would process my application and execute a XXXX.
Product: Credit reporting or other personal consumer reports

I applied for a job position at XXXX XXXX XXXX and they told me that Trans Union had incorrect information on me and they had another name associated with me and social. That is not mine at all. They also had addresses that were not mine as well. The credit report had incorrect information, I contacted Trans Union to fix it, but they didnt have an account with my name so they couldnt fix it and I asked them to put a fraud alert and take my name away from being connected to the other persons information. My name is not XXXX XXXX XXXX!! Nor do I have that social, Nor those addresses!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax went public with news that they failed to prevent a breach of their security and millions of American 's sensitive identifying data was taken by cyber-criminals. Unfortunately, despite having never personally done business with Equifax, their website says that I was affected. Equifax has profited for years on the buying and selling of my personal identifying information. Because of their inability to keep my personal information safe, I will forever have to deal with the consequences of their actions, not my own, and their actions may make it harder for me to buy a home, a car or for my future kids to afford college. This is devastating and none of it was my fault.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been unsuccessful in resolving incorrect reporting information after several disputes. XXXX XXXX account # XXXX was originally included into bankruptcy chapter XXXX on XX/XX/XXXX. Unfortunately, Experian Credit Reporting Agency has failed to report correct information and listed 90 day late entry on XX/XX/XXXX which is inaccurate and false. 

This information is in violation of the fair reporting act and should be immediately corrected by removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I called XXXX XXXX it's an heating and cooling company for service/ installation services/ pricing- They never came out to assess my home, or discuss options for purchase However, during the process I allowed them to run my credit to see if I could finance, and was approved over the phone They wanted to rush me into making a decision, and into signing an online contract that was Emailed to me, I then stated that I will not be making any decisions for services at that time due to the fact that my intake needing widened or have a bigger one installed and that I needed to make sure that the electrical panel is up to par. They said that, we can do all of that for you I said no, because they were unprofessional and didn't have answers for questions and concerns that I had. The next day while I am at work they show up to my home, my husband answer 's the door, they tell him that they are there to install HVAC system, he once again told them that we hadn't agree on having services with their company and that they have been misinformed. The next day I called, no answer, just a voicemail. Several days later I received billing statment from XXXX stating that they had varified a complete and satisfactory delivery and installation of my equipment, which is far from the truth because my husband and I decided to go with another company that came out to our home, discussed pricing, and other service options and was very informative and professional. So when I got the letter I called XXXX, I spoke to a young man who said that his name was XXXX XXXX with my complaint about the bill for services that I did not receive or agree to He stated that it was an error and would be corrected. Well, 3 months later the bill shows up on my credit report for {$9000.00} pluses dollars. Please do what you can to reverse the changes because this is fraudulent, criminal activity and they shouldn't be in business! My name 's XXXX XXXX phone number XXXX Last 4 digits of social security # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : - ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I requested TransUnion remove/delete all accounts in the document I have attached in this report due to improper use of my credit report as well as inaccurate & misleading information being listed within the accounts on my report. Instead of them honoring my request, they only updated the accounts and kept them on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a home mortgage with Wells Fargo home mortgage company. For over 7 years they have failed to report any of my payments to any of the credit bureaus. Over the last 7 years I have contacted them several times to request that they correct the issue with no resolve. I recently spoke to a representative in their executive complaint department named XXXX who assured me she would look into this matter and find a resolution. Approximately one week later she informed me that they had began reporting in XX/XX/XXXX but would not be going back to crack the last 7 years. She said there was an error in their system that affected several people and it was too high of a risk factor for them to correct the report because if they fix mine they would have to fix other people 's and it could be a risk for Wells Fargo. It does show that they are have been reporting since XX/XX/XXXX to one credit bureau but not the others. This has affected my credit score dramatically. I need to refinance my home to get my ex-husbands name off of the loan and I can not do that because they require a higher credit score than what I have currently. I feel that if they would have corrected my payment history my credit score would be well above the requirement to refinance. If I did not pay my payments they would take my home however I do pay my payments and they do not report correctly. There is missing information and one credit agency has no record that I ever even had a mortgage loan to begin with. This is very frustrating as I have a young child with a very XXXX XXXX XXXX that consumes most of our time. I feel that excessive amount of time has gone by and this should have been addressed by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}.
Product: Checking or savings account

Wells Fargo enrolled me 2 different program with out my permission. I didn't aware of it till this year. they enrolled me back in XXXX XXXXXXXX XXXX and XXXX. I requested mediation and waiting their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have a hard inquiry on my credit report from Discover Financial SVC that was dated on XX/XX/2021. During this time I was currently being held under treatment at an Addictions Center called XXXX in XXXX MD. I have no knowledge of this report or why it's on my credit report. I've only applied for one credit card and that was at XXXX. I was denied. That's not the issue, the issues is on XX/XX/XXXX there was no possible way I could have processed that or been home for that. 

Any comments questions or concerns my name is XXXX XXXX XXXX my phone number is XXXX. My address is XXXX XXXX XXXX XXXX MD, XXXX. Thank you have a blessed day.