23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

There were no unexpected fees. There were no options listed for this situation. I actually received a letter in the mail from Cash App for a XXXX XXXX using my address. The correspondence is attached. This person has never lived at my address before. I opened the letter and enclosed is a prepaid Cash App card that this person must have set an account up for. I don't even use Cash App so that company shouldn't be sending any mail here. And this is the second time recently that I have noticed someone using this address attempting to open a bank account. The other person 's name was XXXX XXXX. He attempted to open a bank account with XXXX using my address. Is there anything I can do on my end to prevent this from happening again?
Product: Bank account or service

direct express wo n't send me a replacement card for my expired card. My calls to them have resulted in no human voice contact, no automated venue to fix this problem. When I have almost got to a real person, they hang up.
Product: Student loan

I have been enrolled in " income-based repayment '' since graduating from school and beginning repayment. When possible, I pay extra money after I submit my required monthly payment. I have spoken to people at Navient multiple times ( by calling their customer service department ) and was told different things by different people. In my opinion, I would have thought the EXTRA money should have been applied to the principal of my loan -- - however, I believe it never is. I make my payments online because the phone system is too cumbersome and time consuming to use on a monthly basis. 

My school is not listed below -- it is the XXXX at XXXX ( in XXXX, MA )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to evaluate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Kindly investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to request that the inquiries that I am unaware of listed in the attachment for the dates that follow. ive reached out and requested that My report relefcts the correct information to reflect accurately. In accordance with the Fair Credit Reporting 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 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions XX/XX/2022 : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX of inquiry XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX of inquiry XX/XX/2022 XX/XX/2XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX XXXX of inquiry XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX Date XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated XXXX XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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
Product: Credit reporting or other personal consumer reports

There is a lot of false hard inquiries on my credit report that needs to be removed and some companies put excessive inquiries on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Fraudulent Accounts and Request for Removal Dear Experian, I am writing to formally dispute two additional collection accounts that were added to my credit report today, which are a part of the initial credit block I filed on XX/XX/2024. These accounts are as follows : XX/XX/XXXX for XXXX XXXX, Account # XXXX, Amount {$1200.00} XXXXXX/XX/XXXX for XX/XX/XXXX, Account # XXXX, Amount {$700.00} I want to emphasize that these accounts are not mine. They were fraudulently created by someone else without my knowledge or consent. 
In accordance with 15 U.S. Code 1681c2 ( a ), I request that these accounts be blocked and removed from my credit report immediately. 
Please find attached a copy of my initial Identity Theft Report filed on XX/XX/2024, as well as a copy of my identification, a copy of my recent Experian credit report, and any other required documentation to support my claim. 
I expect prompt action on this matter to rectify my credit report. Please send me a confirmation letter once these fraudulent accounts have been removed. Should you need any further information, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your immediate attention to this urgent matter. 
Sincerely, XXXX XXXX ________________________________________ Attachments : Initial Identity Theft Report Filed on XX/XX/2024 Copy of Identification ( Driver 's License, Passport, etc. ) Any Other Supporting Documentation
Product: Mortgage

Hello, In XXXX I was laid off due to COVID-19 pandemic. I reached out to my mortgage company, Mid America Mortgage Inc. Dba . XXXX XXXX XXXX, and they advised they could place me on a forbearance. They advised it will not affect my credit and will be in affect until XXXX. When it got close to XXXX they reached out to me to see if I was working. I advised I wasn't so, they extended my forbearance. In XXXX, I finally was able to start working again. Mid America Mortgage Inc. reached out to me again to see if I was working yet, I advised I was. They offered to do a deferment for the time I was on forbearance, so I would not have to stress about paying the large sum back. I signed the paperwork for the deferment and thought everything was going to be ok going forward. On XX/XX/XXXX ( Saturday ) I received an alert from XXXX stating my credit score dropped by 28 points because Mid Mortgage Inc. reported me 180 days past due ( Attached is screenshots ). I contacted Mid America Mortgage Inc. by phone on XX/XX/XXXX ( Monday ) and was advised to send an email which I did ( Attached is our email communication ). I finally received a final response XX/XX/XXXX stating they reported correctly to the credit bureaus. Per our phone conversation with Mid America Mortgage Inc. back in XXXX and per HUD, being impacted by COVID-19 should not affect my credit report. Well, it did affect my credit report negatively. I've attached copies of my credit report for XXXX and XXXX. Please help resolve this.
Product: Credit reporting

I sent a previous dispute regarding these accounts XXXX XXXX XXXX and XXXX XXXX XXXX I have added additional information with an updated police report that lists these accounts specifically with the account numbers and an ftc report that has been notarized XX/XX/XXXX these accounts are fraudulent and need to be removed asap it has caused countinuous issues with my family because of the identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a 609 letter and made several calls to the credit bureaus about the fraud that was committed on my credit report.
Product: Debt collection

I mailed this company a certified mail via US mail in an attempt to have the company validate the debt. The letter was returned to me via us mail because the address that is listed on my credit report is invalid. By law this ca n't be reported on my credit file especially since the debt is unable to validated
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth.

A recent utility bill confirming my current address.

A copy of my Social Security card verifying my SSN.

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report.

Update my credit profile with the correct details listed above.

Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are inaccurate or maybe fraudulent. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX  Balance : {$420.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$420.00}
Product: Money transfer, virtual currency, or money service

I was transferring {$160.00} to a colleague in XXXX on XX/XX/XXXX using Moneygram 's online platform. Since Moneygram states that inclusion of the middle name is optional. I did not include the recipient 's name when sending the money. When the recipient went to receive the money, their agents refused to give her the money on the pretext that her ID had a middle name which was not indicated in the transfer. 

The recipient requested me to speak to Moneygram 's customer service personnel to get this rectified. When I called them, I spelled the middle name several times as XXXX, but their employee entered XXXX. 

When my colleague went back to receive the money, they refused to give it to her on the basis of the spelling mistake made by their own stuff. Upon learning this, I called them once again. This time they refused to rectify it because an earlier amendment was done. They told me that the only recourse was to cancel it. I pleaded with them to pay it as it was because I did not have any more money to send, but they declined to offer any solution to that effect. 

I went ahead and canceled the transaction on XX/XX/XXXX. However, 9 days later today, they still haven't refunded me the money. I have called them several times but they insist I have to wait up to 12 days. Surely, a company that involved in money transfer should not hold on to someone's refund for more than 24 hours. 

My recipient also made me aware that their agents were using this confusion to force her into opening a checking account with them. This is deceitful marketing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open loan with XXXX XXXX. I filed Bankruptcy and I reaffirmed the car note so it would n't be included. They agreed and I paid the car payment every month on time. After the end of the loan I received the title. The company has failed to report the payment on my credit report and they have the status as included in Bankruptcy which was not the case.
Product: Credit reporting or other personal consumer reports

I have an open dispute with Experian regarding XXXX XXXXXXXX XXXX fraudulent collections report. When I try to log in to Experian to view my credit report and general account with Experian they try to force me to enter a credit card and pay them {$25.00} for a membership. I do not want a membership, I want to access my information that I am legally entitled to access. When I call their " help '' number its incompetent automated system does not give me the option to resolve the issue and just loops around to the same questions and options. This company is willfully denying consumers access to their credit reports in order to extort fees out of them.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted XXXX about identity theft I experienced a while back and there was multiple things on my credit, I submitted the proof as well they immediately got to work on it and removing things. I contacted transunion and XXXX about removing the stuff as well and they didn't. They told me to dispute it, which I already did and they denied it. I informed them I understand they are all 3 different companies but when it comes to identity theft they are all supposed to remove the things inaccurate from identity theft. It's a big deal because these things are affecting my credit really bad.
Product: Credit reporting or other personal consumer reports

In ordinance to the fair recording act, the creditors have violating my rights under 15 US C 16, 18 section 602 state I have the right to privacy. Also, 15 US C 16, 81 section 604A section 2, states a consumer reporting agency can not furnish an account without my written instruction, under 15 US C 1666 B accreditor may not treat a payment under a credit card account under an open consumer credit plan late for any purpose. 

I sent in to CFPB and was to receive a report which I have not. Also, saying that the only thing they corrected was my name but will not remove names they are not being use or are not mine at all. Address that have nothing to do with me at all that I can not receive mail at. Late payments and credit high limits that I did not give consent to be put in my report. Closed accounts that are more than two years old and collection account that is not in my name that was investigated on over 6 years ago and was removed sold by XXXX  to another company to place it back on my report.
Product: Mortgage

First my father XXXX XXXX died XXXX, modification was approved for XXXX and XXXX and XXXX. Faxed in death certificate, trust, grand deed, XX/XX/2018, Wellsfargo lost, faxed XX/XX/2018 lost, proof faxed XXXX, had for almost 4 months! Get letter dated XXXX that I, XXXX XXXX am the successor, so faxed in signed letter and modificaiton package. Wellsfargo home mortgage locked account and lock my fathers checking and savings account ( still locked ) with under {$50000.00}. I did right thing with trust, letting all of Wellsfargo departments know about his death! I could have paid the mortgage if wasnt locked out and if the money wasnt locked since i am the beneficiary! So mad why im treated this way and did the right thing when father died!
Product: Credit reporting, credit repair services, 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. 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 1681c. ( a ) ( XXXX  ) 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 ) ( XXXX  ) 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: Checking or savings account

In XXXX 2020, I was a fraud victim. Chase replaced my accounts with new accounts. 
Chase set me up with a savings account that has a monthly fee of {$5.00}. I did not know this. I think they took advantage of my victimization to get me to sign up for something. 
The interest rate on this savings account is ZERO. ZERO PERCENT. Remember, we currently have the highest interest rates in recent memory, some banks are hitting 5 % interest. 

Who would ever want to sign up for a " savings '' account that has 0 % interest and charges a $ 5 monthly fee? Not me. This is unconscionable. Especially since they signed me up and changed my accounts after I was a fraud victim. This is a scam, this is theft. 

I asked them to reverse the fee, they reversed one for {$5.00}. 

If they do this to XXXX customers, they make $ XXXX a year off this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was opened on XX/XX/XXXX. Current balance is {$3300.00} XXXX XXXX XXXX was opened on XX/XX/XXXX. Current balance is {$470.00} XXXX XXXX XXXX was opened XX/XX/XXXX. Current balance is {$610.00} XXXX XXXX XXXX was opened XX/XX/XXXX. Current balance is {$3700.00} XXXX XXXX XXXX was opened XX/XX/XXXX. Current balance is {$830.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt 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  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and Equifax. 

Please delete the following accounts : XXXXK Account Number : XXXX Balance : {$260.00} XXXX XXXXXXXX Account Number : XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I know that consumers have the right to personally inquire about their credit reports for free once a year. I did so using the website XXXX. They could not verify my identity, so XXXX requested I fill out a paper request and send in the US mail along with documents proving I was who I said I was ( copy of XXXX, Driver 's License, pay stub ). All three credit agencies ( XXXX, XXXX, and Transunion ) separately asked AGAIN for the same identifying info to be sent in. XXXX finally gave me my credit report after satisfying identity verification. With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day. With TransUnion, once I received my reports through the US mail, I was able to dispute online that same address. But now, with XXXX, they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of three items that they required to prove my identity, one of which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent XXXX extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a financial institution and understand the security checks necessary to prevent ID theft, but sending sensitive documents three times is ridiculous. How can the three credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?