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

Subject : Dispute Related to Social Security Breach Dear XXXX, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXX believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. 

Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against WAKEFIELD AND ASSOCIATES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting or other personal consumer reports

I never gave them written consent to use my information or obtain my information
Product: Credit reporting

My " XXXX '' account. 
This account is reporting incorrectly ... .The balance is being reported incorrectly. The account was paid in full on XX/XX/2016. The reports was updated to XXXX balance XX/XX/2016. 
On the XX/XX/2016 thru XX/XX/XXXX Trans Union appears to be reporting the balance incorrect. The new balance as of XX/XX/2016 was {$1.00} XXXX statement. 
According to XXXX they claim to have reported {$1.00} as the current balance XXXX/XXXX/2016. However the balance is still reporting at {$1400.00}. Request was made to Trans Union on the XX/XX/XXXX to update to the correct/attached to a XXXX Balance. 
Please have the correct updates made to reflect the correct reporting/balance/High credit limit. 
Thank you, XXXX
Product: Debt collection

In XX/XX/2015 my service with XXXX was cancelled. A few weeks later I received a notice from a collection agency that said I owed {$270.00} ( which showed up on my credit report. ) I called the collection agency to work something out but they said they had sent my account back to XXXX for XXXX pieces of equipment that needed to be returned. I could only locate XXXX which I turned in. I was looking for the other XXXX. In the mean time the collection was removed from my credit report. I figured everything was settled. But I just recently got another notice from I C Systems collections that put it back on my credit report. I called them regarding the XXXX Returned equipment issue. They said they dont collect on returned equipment and that the charge was for service. I called XXXX and told them at the time this happened they said the charge was for returned equipment. Now they say it is the last bill for XXXX through XXXX. I told them the service was disconnected in the beginning of XXXX so how could I be charged for service that did n't exist? The rep mumbled something incoherent - then I asked him if I could get a copy of the bill. He said no they could n't supply a copy of the bill - I looked online and found dozens of complaints against XXXX for this shady billing practice along with even a class action lawsuit. It is unethical and abusive. They should not be able to milk extra money out of people on closed accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Navient is a predatory lender. 

My student loan I took out on XXXX/XXXX/XXXX Loan number ending in XXXX also attached at 3.75 % interest that was until XXXX XXXX XXXX set at 3.75 % has now been raised to 4 % interest rate! This is completely absurd to raise my interest rate. Also I am on an auto pay program and still they have raised my loan rate. 

Secondly I was charged a ridiculous repayment fee for my loans. A fee to start paying back my loans on top of the consolidation of all the interest. Navient over the years has harnessed me with bill collector phone calls and pushed me around to other customer service representatives time and time again and has never resolved my issues with the repayment fees. This lender is charging absurd amount of extra money on top of already getting XXXX of dollars from me.
Product: Mortgage

Chase is claiming that the previous servicer of my account, XXXX, purchased an insurance policy on my account because they were unable to verify proof of insurance. The letter Chase provided to me as proof that a request for proof of insurance was requested was sent to an address we have not used in 2 years. I have received correspondence from from both Chase and XXXX at the correct address during the time period that the aforementioned letter was sent. 

Chase continues to add fees to my account despite the fact that the amounts due are in dispute. 

By Chases own admission I should owe {$330.00} from XX/XX/2019. The latest statement I received dated XX/XX/2019 shows a balance due of {$690.00}. My normal payment is {$150.00}. This amount is far in excess of what they claim I owe. 

Fees have been added to my account systematically for an extended period of time for no reason. XXXX the previous servicer has been adding fees to my account with no justification. 

I have requested from Chase proof of the insurance that they claim was purchased to include the policy and a canceled check for the purchase. 

I have requested from Chase an explanation for why they were able to send me statements and notifications of change of servicing to the correct address but did not send a request for proof of insurance to the correct address. 

I have requested from Chase copies of all correspondence sent to me in regards to this account for the last 3 years.
Product: Mortgage

In XX/XX/XXXX I entered a forbearance plan due to loss of income. My original payment was {$680.00}. In XX/XX/XXXX I called the mortgage company to try and set up a plan to start paying my mortgage and they offered extending my mortgage from a 20 year to a 40 year and the payment was {$830.00}. I asked why and they added in escrow. I told them I never escrowed in my mortgage and they said they would try to figure out the problem and call me back. I have never received a call back and I have tried calling them and I sat on hold over 45 minutes. I also sent an email and had no response. My forbearance has been extended to XX/XX/XXXX and I can not afford their offer. I need help getting the escrow removed
Product: Student loan

On XX/XX/2018 I received a settlement offer on my student loans. I paid the offer and the company refuses to honor the contract
Product: Credit reporting or other personal consumer reports

I am not associated with these inquiries or the listed creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, Upon checking my credit report i noticed a handful of fraudulent accounts and inquires on my credit report. II have never had any contact with theses banks on my credit report. Also, I noticed my date of birth is incorrect. I was born in XXXX. I was not born in XXXX. I do not know who these account belongs to but it does not belong to me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an aXXXX XXXX helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

Caliber Home Loans now owned by XXXX started and denied a home refinance with me. They did not provide a copy of the appraisal done on my home. I have try to get a copy and no one will help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

My account is overdrawn XXXX and I been put on a overdraft protection and I keep getting overdrafts fees from navy federal credit union
Product: Money transfer, virtual currency, or money service

I reached out to Robinhood Markets Inc concerning the issue regarding the restriction placed on my account, which has left me unable to access my funds. Despite receiving detailed instructions via email on how to lift the restriction, I have encountered significant discrepancies between the provided instructions in the email and the app which claims that no action is required. 

I was initially informed that I would receive notification by XX/XX/XXXX, which was suspiciously revised to XX/XX/XXXX, today ( XX/XX/XXXX ). Despite assurances of a follow-up call within XXXX business days following the email sent on XX/XX/XXXX, I have not received any such communication. 

With a substantial sum currently held in my brokerage account, this situation has caused considerable XXXX and inconvenience. Regrettably, my attempts to rectify the issue have been hindered by conflicting information and inaccessible steps outlined in the emails received.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive as they did not comply with error resolution requirements under the electric fund transfer act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I have been unable to access my Equifax credit report. When I login to view my report it is completely blank and all fields have a zero, accounts say none are in existence and there is no history to be found. When trying to refinance my mortgage for the past XXXX months banks are unable to approve me for a mortgage loan due to not being able to access a credit report. My credit report shows as not available and Equifax refuses to fix this. I have called and opened a case and the case was closed with the excuse being that I have to pay for a copy of my FICO score. This is not about FICO scores or any type of scoring model but rather my actual credit report disappearing and being deleted by Equifax.
Product: Debt collection

CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX Has been sending me collection notice in the amount of {$450.00} the collection has been reported as past due. I do not know this company. I have never done business with this company. This company do not have a contract with my signature. What would be a fair solution for this issue?
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Money transfer, virtual currency, or money service

I initiated a withdrawal from my Blockfi wallet on XX/XX/11 @ XXXX and XXXX XXXX. On XX/XX/11 @ XXXX XXXX, Blockfi sent me an email saying they were pausing all withdrawals until further notice. It's been over a week and my withdrawals have not been processed, despite being requested before the email notification. I'm very concerned I may not ever get my money back.
Product: Debt collection

I sent a debt verification letter to the company working on their behalf ( XXXX XXXX XXXX ) on XX/XX/2023 that was never responded to! I also sent another on XX/XX/2023. Both went unanswered. I have never received a debt validation letter, any form of written communication, or proof of this debt UNTIL XX/XX/2023. WHICH IS ILLEGAL AND IN VIOLATION OF MY RIGHTS AS A CFPB RED CONFIRMED OVER THE PHONE. THE DEBT NEEDS TO BE REMOVED BECAUSE THEY DID NOT RESPOND FOR NEARLY 60 DAYS. RESPONSES MUST BE WITHIN 30 DAYS TO BE LEGAL. It claims it was opened in XXXXXXXX XXXX XXXX, but this debt did not appear on my credit report until late XXXX. This is completely illegal and against my rights. They suggested I pay 50 % of the bill to have this deleted. IT MUST BE DELETED BECAUSE OF LACK OF TIMILY COMMUNICATION. THERE IS NO OTHER RESOLUTION THAT IS WITHIN MY LEGAL RIGHTS. 

The validation letter was sent to an address in MARYLAND which is not my address, not to my home in GEORGIA where I was a permanent resident. THIS IS ILLEGAL ON BEHALF OF CASCADE CAPITAL FUNDING , LLC. 

Where is the itemized bill? The PROOF that this debt is mine? The LEGAL right to dispute? THIS IS ILLEGAL.
Product: Credit reporting

I 've had my driver 's license, social security card, checkbook, and several credit cards stolen. Fraudulent accounts have been opened in my name. I filed police reports, fraud affidavits, disputes with creditors of the fraudulent accounts opened in my name and all the credit bureaus. My first dispute of XXXX of the fraudulent accounts with Equifax happened on XXXX/XXXX/2015. I have uploaded all my documents proving the accounts were obtained in my name fraudulently, mailed hard copies, even faxed copies over to Equifax. 
I have asked Equifax to remove both accounts from my credit file, but to date Equifax has refused to do so. I have received correspondence from Equifax stating that it verified both accounts as belonging to me which is false. Had Equifax properly verified validity of both accounts, they would have been deemed fraudulent and removed from my credit file ; the procedure XXXX and XXXX followed, found both accounts to be fraudulent and removed from my credit files. 
Equifax is in direct violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my report.
Product: Checking or savings account

I attempted to withdraw the balance of my account ( {$14000.00} ) with Marcus by Goldman Sachs on XX/XX/XXXX to my account at XXXX XXXX. This request was approved when I submitted the request and shown as a withdrawal on this account. On XX/XX/XXXX, this transaction was reversed in the account. When I contacted Goldman Sachs on XX/XX/XXXX, they told me that this was due to a " quick money '' violation. I was informed that because of this I could only withdraw funds if I was sending them to my XXXX account that I had initially funded the account with. This was to my confusion because the last deposit I made into the account was on XX/XX/XXXX - several weeks before my requested withdrawal. I also asked what they defined as " quick money '' and was told that they didn't have a timeline and it can vary. It's important to note that a key marketing point of these accounts " unlimited withdrawals and transfers ''.
Product: Money transfer, virtual currency, or money service

Over the last several months I've been trying to link my PNC debit card with XXXX so I can participate in their roundups program, but have been unsuccessful. I used to be able to link my card with my XXXX account, but for some reason XXXX is telling me you/PNC are no longer willing to allow this. Why?
Product: Checking or savings account

I have submitted several applications for membership with the Navy Federal Credit Union and in each case the application was denied stating the information submitted was not acceptable with no rational or insight on why it was not acceptable. In each case, I filed an appeal, Security Appeal Form NFCU 27 with the NFCU through the secure network provided and included all the required documentation for membership XXXX the USA PATRIOT ACT. Specifically, a copy of my state issued ( Nevada ) drivers permit, considered acceptable Identification Document by the NFCU, a copy of my passport, considered acceptable Identification Document by the NFCU, a bank statement from a local Federal Credit Union, considered an acceptable proof of address by the NFCU, and a copy of our 2023 tax return, considered acceptable proof of address by the NFCU. This information was identical to the information provided in my initial applications. 

I received NO response from my appeals. 

I contacted a NFCU representative, with my husband to receive clarification on what the problem was and why the application was considered not acceptable but was NOT provided details, only generalities. Thus, difficult to respond to not acceptable when not advised as to why it was not acceptable. I was only recommended to file an appeal. 

My husband, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sponsored me for membership. He has been a member of the NFCU for over 30 years and has a considerable amount of funds in his numerous accounts. It was his desire for me to establish an account at the NFCU for family financial planning purposes although membership has now been soured on my part due to this unnecessary and somewhat degrading process the NFCU has put us through. 

The irony of the process with the NFCU is that I established an account with the XXXX XXXX XXXX XXXX in XXXX Nevada in XX/XX/2023 and provided all the required documentation to satisfy the USA PATRIOT ACT with no issue. 

My husband attempted to resolve this issue with the NFCU but was told that they would not discuss my application with him and that the NFCU does not tolerate discrimination but, THE PROOF IS IN THE ACTIONS TAKEN BY THE NFCU on processing my membership application. 

We have written directly to the president to the NFCU and advised his of this issue and perceived discrimination within the ranks of the NFCU personnel in the processing of my application because I am XXXX. 

I am requesting an account be established for me immediately, an apology from the NFCU for putting us through the unnecessary and degrading process and that someone be held accountable for clear discrimination for the processing of my application within the NFCU.
Product: Debt collection

I tried to arrange payment and they would not accept them I had to pay I think almost {$500.00} which I did not have at the time and I was not able to fulfill that commitment and then last year they took my state tax which the amount did not go down at all so what do I need to do to settle this?
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported : XXXX XXXX XXXX XXXX  {$27000.00} Needs Attention This account is showing on XXXX. Incorrect payment history and balance etc. On Equifax there is no account like this on my report. I have reported this to them multiple times and they still refuse to remove it. Information is supposed to be accurate. The information is not accurate or complete because there is different information on all three bureaus and no information at all on some. this is completely against my rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. These accounts and inquiries were the result of a data breach, and I have no association with them. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have all fraudulent information permanently removed from my credit file.

Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$22.00} Fraudulent Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2023 Transunion reported a hard credit inquiry on my credit report from XXXX XXXX XXXX XXXX. After contacting XXXX several times they showed no record of any credit application past or present ( I have never had any business with them. They further told me to contact the credit Bureau and file a dispute. I tried multiple times to file the dispute both online and via phone with a Transunion representative. Transunion told me to : 1st contact - file a police report about fraudulent use ( what fraud? ) 2nd contact - Get a letter from XXXX stating they have no info about this ( they have never done this ) 3rd contact- we can not help you ( they are the only ones with the erroneous report Both Transunion and XXXX have not offered me a solution to their problem