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

Equifax has consistently been informed and sent documentation regarding their mixed information with my sisters file and mine. The excuse has been that since we lived in the same address ( as kids ), and have Similar first names this has happened. My sister name is XXXX middle name XXXX XXXX. My name is XXXX XXXX, different fathers. I dont understand how she has her business transactions under her social security number and dob, and still I get her information linked to mine. My current situation is that my sisters married name has been attached to my credit file in equifax. I paid XXXX XXXX to remove my sisters accounts from my file, but equifax still is negligent in removing her marriage name from mine. She is now divorced by the way. I have sent my Id documents to equifax including my birth certificate, License and social security number repeatedly and I still nothing has been corrected. My last dispute # XXXX report still has XXXX as my middle name. This is my sisters married name! Its their mistake.. XXXX XXXX asked them to show any accounts under that name and my social and they proven wrong. Help me please! Its been almost a year with the same issue. They keep merging our accounts which are totally different and in different states. Thank you
Product: Mortgage

The house was transferred to me and is in my name after the death of my husband. The mortgage company is refusing to give me any information about the home because the loan is not in my name. The house is in my name because I had it legally transferred in my name after his death. I have continued to make payments but I don't have any information about the loan on the home or the insurance because they are refusing to talk with me
Product: Mortgage

My father, XXXX XXXX XXXX, died on XX/XX/2023, rendering his reverse mortgage due and payable. I certified mailed a letter of intent to sell the house, and a request for a six-month extension, along with a death certificate, to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 
Monday, XX/XX/2023, ( yesterday ) when I called customer assist, XXXX to find out why I had not received back the green stub proving certified mail was received, I spoke to " XXXX, '' and she said that they " did not '' receive certified mail with my letter of intent and death certificate. 
She gave me the fax number for XXXXXXXX XXXX  XXXX, XXXX, and the email address, XXXX. 
On Monday, XX/XX/2023, I went to postal annex and faxed a copy of my letter of intent, using the fax number XXXX gave me. 
I also emailed multiple photos of my letter of intent and death certificate. 
I also went to the post office and mailed two copies of the entire Trust and Last Will, letter of intent, death certificate, and signed authorization by me, to contact my attorney. One of them I sent Certified Mail, and the other copy I sent Priority Mail. 
The email came back to me, stating that they refused to receive it! 
I contacted CFPB today because I know that they can get through to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested on XX/XX/21, a copy of my early warning systems report, which is said to be sent within 15 days. Called on XX/XX/21, since had not received. Rep informed letter sent requesting additional info. To date, have not received either report or allegedly sent letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent. 

Resolution delete accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report. As a victim of identity theft resulting from a recent data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent accounts permanently removed from my credit file. 
The accounts that are fraudulent and should be deleted are as follows : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$410.00} XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX  - XXXX - XX/XX/XXXX - {$990.00} XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$120.00} XXXX  - XXXX - XX/XX/XXXX - {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they were not able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 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, and XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX, XXXX, XXXX XXXX and XXXX has fraudulent accounts on my on my credit profile that need to be remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2019, CRESCO CAPITAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Prepaid card

I've been trying to use the gift card with multiple retailers and it keeps getting declined although it has its full balance. I tried to use a smaller value card and it worked but none of the larger value cards work- it's a lie and scam
Product: Student loan

I am attending XXXX University ( fka XXXX XXXX XXXX ) to obtain my XXXX. For the XX/XX/XXXX-XX/XX/XXXX school year, I obtained approximately {$20000.00} in financing from Sallie Mae with a 2.25 % variable interest rate reduced to 2.00 % with auto debit. For the XX/XX/XXXX-XX/XX/XXXX school year, I applied for a {$35000.00} loan from Sallie Mae with a 6 % variable interest rate. I was shocked by the 4 % increase given that my credit score is still XXXX and nothing else in my credit history has changed. Sallie Mae advisors confirmed that my credit score and history was not materially different but would not tell me why my rate increased. After multiple phone calls, I was told that I could not be told the reason for the 4 % increase because it is " proprietary information. '' I find that hard to believe as I used to be a commercial lender and we always had to be clear about the reason for rate increases.
Product: Debt collection

Universal Credit Services has called me several times on my cell phone to reach out to me. This has never been an issue for me, but what I'm upset about is that they have somehow reached out to my employer and called me on my private line at work. This happened yesterday XX/XX/20 @ XXXX XXXX. They called while I was not at work and then my co-worker and manager answered the phone and asked for " MY NAME '' ( me ) and when my co-worker said I wasn't available and asked who was calling, the person from UCS hung up the phone. 

Another time this happened was two weeks ago ( date unknown ) and ( time unknown ). A man from UCS called my private desk number ( and I work at a XXXX  ) our numbers are not given out to the public. I answered the phone and the gentleman asked for me and I said to him " may I ask who is calling '' the person from UCS would not identify himself, or tell me where he was calling. He told me that If I wanted to know who and where he was calling from I needed to verify my information over the phone. I told him that I would NOT do that because I didn't feel comfortable with that fact that he called me and asked for me at work. The man on the phone then told me that I can XXXX his number to find out who and where he was calling from and then he hung up the phone. 

This is NOT acceptable. I work in the XXXX field and I know my rights. It is not okay to contact me at my place of employment. The company has no problem reaching me on my cell phone and by mail. In the past when I have answered my cell phone the man over the phone transfers me to another associate and the phone disconnects.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act. Cash app failed to timely an effective measures to prevent address fraud on their platform leaving my account vulnerable and not protected. Furthermore their dispute resolution process was unfair and deceptive as they didnt comply with error resolution requirements u der the electronic funds transfer act. This action has caused significant inconvenience an financial loss an I will seek further assistance
Product: Credit reporting or other personal consumer reports

Well XXXX XXXX sent Capital one my application and the application did not have my signature i never asked for a installment loan this was a consumer credit transaction they tried to XXXX XXXX Capitol one and XXXX XXXX both treated me as a minor and XXXX  profile me being 15 USC 1681 adverse action I can't be denied an extension of my own credit 15 USC 1605 says down payments are illegal and the company said I had to put {$8000.00} down on a car that's not aloud by law it securities attached to this account I have the CUSIP NUMBER attached to the account this the first letter to try to get you to XXXX my contract
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCYS TO MAKR A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

On XX/XX/XXXX I sent the following letter to NCA Collection Agency about 2 collection accounts that appeared on my credit reports. In the letter I asked to verify the accounts belong to me. I asked for Documentation to be sent showing I was the proper owner. I have given over 30 days for NCA to provide this information to me, which they have not done so. Therefore, I ask this to come off my credit report ASAP since it has damaged my chances to obtain credit. I have attached the delivery conformation verifying the date of delivery was indeed on XX/XX/2021. 
Thank you, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed a charge of medical bill from account XXXX XXXX XXXX XXXX XXXX in the amount of {$3300.00}. The investigation can back as verified and I requested a method of verification. The method of verification was not provided to me.
Product: Checking or savings account

I bank with truist and I made a transaction on my account on XX/XX/2023, the transactions never posted in my account.my account was overdrafts by XXXX. The bank is telling me that I didn't have the funds in my account and that it posted on my transaction, which it never did. On XX/XX/XXXX, I used the last that I had in my account which was XXXX, the bank is charging me for transaction for the XXXX and XXXX, when I know funds were in my account. They continously tell me that I didn't have the money and that I can see the transaction. I have called 3 times and all 2 times told them, i don't see any transactions for the XXXX but on XX/XX/XXXX, I talked to a supervisor and she told me that she can see the transactions on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

i am writing to assert my rights and demand XXXX and consumer reporting agencies stop racketeering in attempt to extort me. i demand XXXX account be remvoved promptly along with all late payments on the report. XXXX has stolen my identity. I do not and have not ever consented or contracted with XXXX i have never consented to them sharing my information with anyone and this is a federal crime 18 usc 1028, 18 usc 1341. the supreme court has also ruled that XXXX is a debt collector meaning they are violating FDCPA. this is a misrepresentation and misleading. they have purchased my personal information which is also illegal discclosed my personal information which is also illegal. compromised my identity and privacy. this is a gross violation of my rights and will be treated as such. All claims by this false creditor are hearsay and could never be admissable in court. if XXXX doesn't want to be sued i highly suggest ease and desist. This is also a violation of MCPA, MICHIGAN PIPA, MCRA. this is also a breach of contract.Transactions and experiences are to be excluded from the report. 15 usc 1681a ( 2 ) a ( i ) the fees for these violation are around XXXX per set of violations. Im giving XXXX and the consumer reporting agencies 5 days to cure these infractions after which i will be charging XXXX for violations and lawyer fees. the date XX/XX/2023 XXXX
Product: Credit card

Recently, I became aware that my credit card was switched from paper statements to electronic statements. This occurred without my knowledge or consent. I have been receiving paper statements for the past 20 years. I recently signed up for the credit cards rewards program and it may have switched me to electronic statements when I registered, however I was not aware of the change. I was not notified about the change to electronic statements via email or any other communication. I charged {$4.00} on my credit card and was waiting for my paper statements and eventually forgot about the charge. The bank charged me {$44.00} in late payments and place a 30 day late payment on my account. The only way I was to find out about this late payment was through my credit protection account, which notified me. I was never notified about my account being past due. The bank used deceptive practices to change my statements to electronic and profited from the result, in addition to damaging my credit. Precedence has been established during my 20 years of receiving paper statements and changing me to electronic payments without notification is Illegal.
Product: Credit reporting or other personal consumer reports

I accessed a copy of my credit report from your bureau and found several discrepancies and inaccuracies that have a significant impact on my creditworthiness and financial reputation. These errors include XXXX Account Number : XXXX Reason : Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Instruction : This is a violation of my consumer rights, please delete immediately XXXX XXXX  Account Number : XXXX Reason : Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Instruction : This is a violation of my consumer rights, please delete immediately
Product: Money transfer, virtual currency, or money service

Recent law suit on zelle lead me to speak up. I had unauthorized {$290.00} taken out of my bank through zelle and when I tried to cancel the transaction it didnt permit me to which led to me immediately contacting my bank on XX/XX/year> I did not authorize the zelle payment not have I sent this causing me to file a dispute which was immediately denied because it was from zelle where its considered virtual money by the bank which immediately faults me.
Product: Checking or savings account

I opened my account with Discover Bank a few months ago and deposited {$12000.00} into my account. 
On XX/XX/XXXX they suddenly closed my account for no reason, and Im unable to access my fund since then. When I contacted them they said they would send my remaining fund through check within 2 weeks, but after 7 weeks I still didnt receive anything. 
I tried to contact their security department by XXXX but they were on hold forever, I was on the line for several hours listening to hold music multiple times but nobody ever picked it up. When I call their other departments they always redirect me back to the security department so I have no other way to check the status of my fund now. 
This is very very frustrating!!!
Product: Debt collection

SKIP TRACING TRYING TO LOCATE XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, KEEPS CALLING XXXX, XXXX, XXXX, ETC. IGNORED CEASE AND DESIST LETTER AND DO N'T CALL REQUESTS IN VIOLATION OF FDCPA AND TCPA. HAVE PHONE RECORDS AND WELL DOCUMENTED FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account # XXXX, 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

On my XX/XX/year> statement, my account was accurate and showed that I owed XXXX. This included only having XXXX loans. My XX/XX/year> statement now shows I owe XXXX and have XXXX outstanding loans. One of the loans I paid and full and MOHELA sent me this confirmation of it being paid in full. Additionally, loans XXXX and XXXX 's principal increased by thousands of dollars. I have not missed any payment. I have attached the XXXX and XXXX statement as well as the payment fulfillment confirmation.
Product: Credit card

I received four emails from Chime in the course of two days : welcoming me to Chime, a direct deposit form, something about a login occurring on my account, and today ( XX/XX/XXXX ), something about a debit card getting mailed to me. I did not apply for a Chime account, and I did not order a Chime debit card. 

I called today ( XX/XX/XXXX ) and the rep asked for the last 4 of my SSN and my birthdate. I said no, and can't he just look up my email address to see if it is being used by an account. He said he could not. He said to contact the support email address and ask them for help. I did that, and I got an automated reply, telling me to click a link to speak to an agent. I am not going to click any links, and never before has a support email directed me to clicking a link to speak to an agent.
Product: Money transfer, virtual currency, or money service

I opened an account for my XXXX XXXX  and myself at CashApp so we could send money back and forth. We opened the account on XX/XX/2023 and excitedly ordered our debit cards. On XX/XX/XXXX I sent my XXXX {$100.00}, which failed and was returned to my bank account. I then sent him {$10.00}, which stayed in his account, so I sent another {$90.00}, which also stayed. His XXXX  sent him {$6.00} for coffee, but he immediately returned it to her. No other transactions were made. We received our debit cards the same day, but he was not able to activate his because his account was already locked due to fraudulent activity. After repeated chats/calls with CashApp, they can not tell us why his account was flagged and they refuse to reactivate it. After a months worth of phone calls I was finally told how to get the {$100.00} back from his account, but they always give the same, generic answer when you ask to speak to a manager and you are not ever allowed to speak to one. It seems to me that there should be someone who can look at it and see the computer made a mistake, so that my XXXX  can have access to his account.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the frauds Alerts And inquiries from my credit profile. 


I never asked to have a fraud alert placed on my credit profile. I only asked That the following unauthorized inquiries be removed from my credit profile!!!! 

REMOVAL ALL FRAUD ALERTS FROM MY PROFILE!!!!!! 
IT IS HURTING MY CREDIT I CAN NOT USE MY CREDIT CARDS!!!!!! 


remove the following inquiries from my credit profile Hard Inquiries XXXX XXXX bod XXXX ss # XXXX
Product: Credit card

I applied for a Citi Double Cash Mastercard, I received a letter dated XXXX XXXX XXXX from Citi stating " We're unable to approve your application ''. The letter went on to state " we couldn't verify some of the information in your application '' ( see attached letter ). I wrote a letter to Citi dated XXXX XXXX XXXX, requesting the information they were unable to verify and what I could provide them with to assist in the verification process ( see attached letter ). As of this date I have not received a response from Citi or an approval for my card. My credit score is XXXX.