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

It has come to my attention that there are multiple addresses associated with my credit history that are inaccurate and should be removed immediately. I demand that all addresses, except the following legitimate and current address, be expunged from my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information contained in my credit report is accurate, fair, and substantiated. Section 1681i ( a ) of the FCRA mandates that credit reporting agencies investigate disputes and correct any inaccurate or incomplete information within 30 days of receiving a written dispute.

Accordingly, I am formally disputing the inclusion of any addresses on my credit report that differ from the aforementioned address. Please take immediate action to rectify this discrepancy by removing all incorrect addresses associated with my credit history. 

Failure to comply with this request within the legally mandated timeframe would be a clear violation of the FCRA. I want to emphasize that the inclusion of inaccurate address information on my credit report can have detrimental effects on my financial standing, including the possibility of impacting my ability to secure credit, obtain loans, or establish favorable financial relationships. 

ATTACHED IS A COPY OF MY MOST RECENT ELECTRIC BILL, A PHOTO COPY OF MY PASSPORT AND BIRTH CERTIFICATE
Product: Mortgage

SHERIFF SALE THIS TUESDAY - XXXX/XXXX/15 Bank FraudHI. I filled out documentation for a loan modification on XXXX XXXX, 2015 for a {$900000.00} mortgage. Our situation has changed and we have enough funds to pay the monthly mortgage. 
All documentation that Wells, Fargo Home Mortgage required was submitted. 
I received a call XXXX weeks ago that I was denied the loan because our mortgage was over {$720000.00}. This is ridiculous because Wells, Fargo knew the loan was over {$900000.00} back XX/XX/XXXX. 
I called and spoke to XXXX XXXX who said that this was not the reason for the denial. She stated that we were denied because I did not produce a profit and loss statement for my real estate company. I told her that I do not have a real estate company and why was this not communicated to me? In addition, I asked her why I got a call last week that my loan was denied due to it being over {$720000.00}. 
She said that was incorrect and I was grandfathered due to some regulatory change in XXXX, 2015 ( I looked this up on the internet and could not find a " regulatory change ''. Then, I received a letter from XXXX XXXX stating that I could do the modification documentation, but " it is to late due to a sheriff sale on XXXX XXXX ). 
I extended the sheriff sale to XXXX. I then got a call from XXXX XXXX ( XXXX ext, XXXX XXXX last Thursday. He said he is investigating the whole situation and knows the sheriff sale is XXXX. How can he possibly investigate this by Tuesday? We need to postpone the sale which takes a call to his attorney XXXX 5 minutes ). I got a letter in the mail last night dated XXXX/XXXX/15 from XXXX XXXX. 
She is reminding me again about the sheriff sale on XXXX/XXXX/15 and says she would be happy to look into the matter but is it to late. 
Please help ASAP. The whole situation above is FRAUD. I was denied for reasons that are not correct. Time is of the essence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Executive Office of XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX ( XXXX days ago ) to me Dear XXXX XXXX XXXX XXXX Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure the concerns are properly addressed, your inquiries have been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. 

I am currently in the process of investigating your concerns. A detailed response will be sent to you upon completion of my investigation. 

If you have any questions or would like to provide additional information, please feel free to email XXXX Sincerely, XXXX Executive Office of Customer Advocacy I responded with XXXX XXXX Mon, XX/XX/XXXX, XXXX ( XXXX days ago ) to executiveoffices XXXX When will I receive a response since you gave me no warning about my limitations? What is your position in the Executive Office? You seem evasive you haven't provided your last name. Will my disputes be resolved quicker so I can be done with XXXX  ; there was no respect for me. 

XXXX I have yet to receive a response from the this very profitable company.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach. As a result, I request that all accounts associated with my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ). 



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

This accounts has errors and inaccurate. The Balance, dates, please provide method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}, {$10000.00}, {$6900.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3100.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX XXXX, XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account.
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 having sufficient funds when transactions were authorized I was charged fees due to lagged postings 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 card

I have a Bank of America credit card. I use this card for international travel. I have had a credit balance ( due to overpayment as a result of Bank of America 's incompetence ) on this card for months. Bank of America showed this credit balance for months on the statements I receive in the mail. 

The XXXX statement shows the balance as - {$3000.00}. The credit due to a prior overpayment of a prior bill. 

The statement for XX/XX/2024 shows a XXXX balance. There was no activity on this card. There is a reference dated XX/XX/2024 of " CREDIT BALANCE REFUND DEBIT. '' There is no check in this statement. 

In addition, I received no statement for the period XXXX. There is no such statement on the Bank of American website. 

I spent 30 minutes on the phone trying to navigate the Bank of America automated phone system. I had to call multiple times after being disconnected multiple times. I was finally place on hold for a representative. Then the call was terminated. No call back. Totally unacceptable. 

1. Bank of America needs to return {$3000.00} ( reverse the transaction from XX/XX/2024 ).

2. Bank of America needs to provide a statement for XX/XX/2024 This was never provided in paper or electronically.
Product: Credit reporting or other personal consumer reports

These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. 

XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX  XXXX  {$4900.00} XX/XX/XXXX XXXX  XXXX  {$840.00} XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information to my consumer reports. Not only is the information inaccurate, it is too old and obsolete to be reported on my consumer reports. This has caused financial damage to me and my family.
Product: Credit reporting or other personal consumer reports

**15 U.S. Code 1681m - Requirements on Users of Consumer Reports** This section requires companies to provide notice when adverse actions are taken based on information in a consumer report, which can include hard inquiries. It also mandates that companies certify the purpose for which they are obtaining the report. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX
Product: Vehicle loan or lease

LOAN WAS PAID IN FULL BY DEALERSHIP. GM FINANCIAL SENT ME A LIEN RELEASE AND PAY IN FULL LETTER BUT REFUSE TO REPORT ACCORDINGLY TO CREDIT BUREAU. PLEASE REMOVE FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Product: Checking or savings account

On XX/XX/2019 I thought I was making a purchase safely through my banking mobile account but it went through XXXX and I later found out the company was fraudulent. Company website XXXX ( XXXX ) has been suspended. I lost {$490.00} through XXXX and called Wells Fargo to file a complaint and was told that they cant get my money back because the transaction was completed! Please help me, I thought I was making a safe transaction but it was a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is addresses on my credit report that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I been contacting XXXX experian & XXXX every since mad credit card company removed a mistake of a late payment keep calling all XXXX and there not helping clear this situation at all waiting on it to clear to expand my business with business funding also my credit card company sent several notification to all XXXX companies several times even to me and they are still giving me the run around I constantly call every single day neither company is not help with removing the negative remark
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello, My complaint is regarding a Macy 's credit card account in my name and with my social security number that shows up on my credit report. The account was opened in 2004 and has been paid consistently since then, almost always on time. The problem is that it is not my account. I never opened the account and the address and phone number are from states I 've never lived in. 
Somehow my SSN became attached to what I think is a legitimate ( not fraudulent ) credit card account that belongs to a different person with the same name as me. I have contacted the credit rating agency XXXX multiple times to dispute that this is my account but Macy 's Credit Services continues to confirm that it is my account. I have contacted Macy 's, but they have not process to change the SSN on an existing account that is not clear cut identity theft. 
Please help me remove my SSN from this credit card account that does not belong to me. Thank you!
Product: Credit reporting or other personal consumer reports

XX/XX/year> letter 1 sent to all 3 bureaus disputing Portfolio recovery associates on my reports in the amount of {$1400.00} XX/XX/year> letter 2 sent to all 3 bureaus after being notified by email they had concluded they investigation. Disputed item to remain on my report. Letter 2 requested what verification method was used. 
XX/XX/year> letter 3 sent to all 3 bureaus demanding they remove disputed item. Not one bureau honored my request for method of verification. Two bureaus pretended they didnt receive my 3rd letter. I have verification.

There is an item on my credit report that Im disputing. I took the correct steps in addressing the issue with all 3 bureaus. I sent 3 separate letters detailing what the issue is. I know this process. The credit bureaus were not forthcoming with the requests I was making and still to this day have not given me the information I requested. By U. S. Law they are required to prove to me how they came to their results claiming the account i was disputing was mine. I asked for the method of verification they used to determine the account was in fact mine. I got no response as to what method any of the 3 bureaus used. For my third and final letter, when I demanded they remove the account in question, two of the bureaus did not even sign the return receipt card that I paid for, as proof that I indeed sent the 3rd letter. I had to go to the USPS website and download tracking information that they did receive my letters. I find this a blatant violation of my rights. They play games with customers requests to ensure the bureaus can keep their big money grubbing customers happy. This is a violation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute information that I believe is incorrect, and I request your immediate investigation into this matter. 

This inaccurate information is negatively impacting my credit report. According to the FCRA, you are required to investigate and resolve this dispute within 30 days of receiving my request. 
Please correct or remove the inaccurate information from my credit report and send me an updated copy once the dispute has been resolved. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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.
Product: Credit card

I was hung up on twice when speaking with Representatives Regarding why my account is over the limit the high interest and the annual fee of {$120.00} which caused me to go over the limit I have not even had the card a year to be charged an annual fee
Product: Credit reporting, credit repair services, or other personal consumer reports

I am natural person, I am a living human being, I have rights 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Blocking and Deletion Due to Data Breach Dear XXXX Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX Account Number : XXXX XXXX. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion and XXXX showing inaccurate inquires now they wont let me check my credit online to fix these issues
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

At the time the account was established in XXXX and XXXX I was only XXXX years old and didn't have any knowledge on how to open a bank account. My identity was stolen at the time and this issue needs to be resolved.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '' and I have noticed on my consumer report. That I have had a bankruptcy. Which in fact, does not belong to me and need to be deleted immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies XXXX, Equifax, and XXXX have violated codes 15 U.S Code 1681 s-2 " Responsibilities of furnishes '' of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record, that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must be deleted within 3 business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be removed.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and i noticed that all of the hard inquiries do not have permissable purpose. 
According to 15 USC 1681 b this is a violation and all inquiries need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ran my credit report early XXXX XXXX Note a negative collection action placed on my report as of XXXX XXXX - {$680.00} CAPITAL ACCOUNTS , LLC o Collection was dated as active in XXXX, for services in MD in XXXX o I left MD in XXXX to move out of state Agency acknowledged they had received my letter and would send me letter Reached out to original creditor - XXXX XXXX, informed of {$570.00} debt and that theyd sent itemized bill to agency o Never contacted by collection agency, nor notification that collection would be placed on my credit report Sent let of dispute to agency letter requesting verification of letter of original debt XXXX/XXXX/XXXX, per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Called agency to request letter on XXXX/XXXX/XXXX Received itemized bill from original debtor XXXX/XXXX/XXXX and attempting to close out debt Have yet to receive any communication from agency regarding debt
Product: Credit reporting or other personal consumer reports

I am reaching out to address multiple issues with my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and other reporting inaccuracies. Your assistance is essential in resolving these concerns to safeguard my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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