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

XX/XX/year> Subject : Request for Removal of Incorrect Address from Credit Report To Whom It May Concern : I am writing to file a formal complaint against the credit reporting agencies TransUnion, XXXX, and XXXX regarding the inaccurate reporting of my address on my credit report. 

Details of the Complaint : Incorrect XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX My Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX have noticed that the above address is incorrectly listed on my credit report. I have never resided at this address, and it does not pertain to my credit history. This erroneous information is negatively impacting my credit score and my ability to obtain credit. 

I have previously contacted all three credit reporting agencies to dispute this inaccurate information. However, despite my efforts, the address remains on my credit report. I have provided all necessary documentation to support my claim, including proof of residence and identification. 

I am requesting that the CFPB assist me in ensuring that this incorrect address is removed from my credit report as soon as possible. I believe that the continued presence of this inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies maintain accurate information.

**Resolution Requested : ** - Immediate removal of the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX from my credit reports with TransUnion XXXX XXXX XXXX and XXXX. 
- Confirmation of the removal in writing. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting

I have my credit report access blocked by experian for seven years. The company has denied access to my credit profile to credit inquiries over the last seven years. when i have submitted information requested by experian to resolve this matter i have had a catch XXXX response. experian denies that access to my credit file is blocked and when i applied for credit the reply received from XXXX is that Experian has blocked access. 

This rigamarole has continued for 7 years and Experian has been consistent on XXXX XXXXl that they have blocked access. 

I have started paying protection money to Experian in the hope that my problem will be addressed if I make ransom payments. Unfortunately even this effort failed because Experian still continues to deny access and block anyone seeking to access to my personal records. 

Without debating the extortion practises of Experian is there anyway assistance can be provided to help resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since approximately of XXXX of XXXX I noticed a fraudulent loan on my credit report. I reached out to mariner finance on various occasions and explained that I was a victim of identity theft and the account that was opened with them was fraudulent. I was told that it would get removed for they had realized that it in fact not me that opened this account. Nothing has been done about it. There were also hard inquiries by this company that were also supposed to be removed and it has not happened.
Product: Credit reporting or other personal consumer reports

Good day, This is XXXX XXXX XXXX, I understand this violates 15 USC 1681b ( a ) ( 2 ). Both together and separately, my consumer and privacy rights are being violated. Per Federal Law, NO ACCOUNT can be reported to your consumer credit file ( s ) WITHOUT MY WRTTEN INSTRUCTIONS 15 US Code 1681 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : CONGRESS has stated TRANSACTIONS are NOT ALLOWED to be reported in a Consumer report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Subject : Debit Collector 's Refusal to Remove Account from my Credit Report Dear CFPB, I am writing to call your attention to a debit collector that has been preventing me from having access to credit lines despite my attempts to resolve the matter. An account that is currently reported on my XXXX credit report has an outstanding debt that the debit collector has refused to validate for over XXXX days. 

The debt collector has been repeatedly contacted and informed of their obligations under the Fair Debt Collection Practices Act ( FDCPA ), which includes validating the debt upon request. However, they have ignored my requests and continue to stay on my credit report indefinitely, despite not being able to provide proof for the validity of the debt. 

I am reaching out to you today to seek your assistance in resolving this issue, as it has made it difficult for me to access credit lines needed for important purchases. I have disputed the account with XXXX and have shown evidence that the debt can not be validated. Yet, the debit collector has continuously ignored my attempts to resolve the issue and refuses to take the erroneous mark off my credit report. 

I would truly appreciate it if you could investigate this matter and ensure that the debit collector is held accountable for their refusal to validate the debt and remove the account from my credit report. Even the dates on my credit report for this History balance keep changing they are now making it reflect the year XXXX when they have been attacking my report for over XXXX  years. Please let me know if you require any additional information. 

Thank you for all your assistance in advance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2018, I opened 2 business checking accts at Suntrust Bank : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I requested to deposit XXXX dollars into the first acct and XXXX dollars into the second acct. 

Branch mgr. XXXX XXXX erroneously deposit the amounts into the wrong accts, with XXXX going into XXXX and XXXX into XXXX. I then wrote one check and two ACH transactions on the acct ending in XXXX, which, if not for the bank error, would've been covered. 

As a result, we have so far incurred two NSF fees in error, including one on a XXXX dollar check written to a XXXX XXXX, who deposited the check into her XXXX XXXX acct, causing fees in her acct as well. 

I learned of the error today, XX/XX/18, when entering the branch. Banker XXXX XXXX said she was unable to move the money to reverse the issue, unable to reverse fees, unable to let me withdraw funds or even close the accts. because the accts. had all been flagged for fraud, again, due to the bank errors. 

This is causing major problems for me, my business, my nonprofit, and Ms. XXXX. I had offered to meet her with a cashier 's check, but now Suntrust is holding all our funds. 

I left a voicemail for district mgr. Asst, XXXX XXXX, have not yet received reply. 

I asked to speak with Fraud dept, but they will not let me.
Product: Checking or savings account

I am trying to open an account with Bank of America. About 5 years ago I opened XXXX accounts. I am trying to pay off the balance so I am able to rebuild my banking relationship. I would like to work with XXXX person to get this resolved.
Product: Checking or savings account

The US bank deside to close my account after i made a withdraw from my XXXX  account to bank account ( XXXX ). 
First when i link my bank account with XXXX has been over XXXX months when XXXX send me XXXX small deposit by the time the bank never decide to close or hold the money. My XXXX account has been link with my XXXX Name XXXX XXXX  That means ( XXXX XXXX ) When people has a bussiness account its possible to have any nick name, thats meam if i transfer fund to my bank its coming showing that nick name, but is the bank do not understand that is not my Problem!!!!!! 

Almost XXXX moths with this issue, and the bank keep my money, i went to the branch and i spoke with the manager to XXXX ( XXXX ) She said the fraud deparment do not want release the funds. 

I told her XXXX time, if the bank do not want gave me my money, just return my XXXX money to XXXX  and i will be able to transfer the fund to my other bank. 

So, i just want us bank refund my money or give me my money without more issue, im tired about this situation. or im going to issue the bank for by thieves.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX Ga XXXX Equifax, XXXX, XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

under 15 U.S. Code 1681e ( b ) Accuracy of report Whatever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy ot the information concerning the individual about whom the report relates.

15 U.S.Code 1681i ( 5 ) Treatment of inaccurate r unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that the item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

2016 XXXX was told would be covered by my insurance I would not have a co pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection notice from your office on XX/XX/2019 that was dated for XX/XX/2019. In this notice you mentioned that you were representing XXXX XXXX XXXX , XXXX and that they were the owner of an account that is allegedly owed by me. 

I would like to dispute the validity of this accused debt as I have NEVER owned an account with XXXX XXXX XXXX , XXXX so how can they own an account that you are stating is owed by me. Are they a debt buyer? Was there a bill of sale or receipt of the sales transaction? I want to know the exact amount that the debt was purchased for if thats the case. 

If you are representing them are you advising that you are an attorney? If not, how can you be representing them. Was there a power of attorney given to you by the alleged creditor that warrants permission for you to collect money from me? If you are a debt collector this is very misleading and a violation of the FDCPA Section 1962E for misleading representation. If you were assigned this debt you will need to produce a letter of assignment from the owner of this account or a bill of sale showing the purchasing transaction confirming that YOU are entitled to the compensation of this alleged amount owed. 

Furthermore, XXXX XXXX XXXX, XXXX has also violated FDCPA Section 1692C ( B ) for disclosure to a third party in connection with the collection of an alleged debt. Outside of myself, the original creditor and the credit reporting agency they were not authorized to disclose any information to a third party, including YOURSELF unless you are the debt collectors attorney. 

Please notify your client of their negligence and deceptive acts. I would like this debt to seize effectively immediately and further collection activity to be blocked. Please send me a letter confirming your compliance to avoid further escalation of this matter to State and Federal governing entities for investigation of Total Card Inc and XXXX XXXX XXXX , XXXX. I will await your response within 30 days.
Product: Credit reporting or other personal consumer reports

These items are a result of identity theft. These items do not relate to me as the consumer. This block was not made in error, neither was it made by a material misrepresentation, nor did i obtain goods or services as a result of the transactions. Your company is required to block & remove these transactions not later than 4 business days upon receipt of this letter & proper documentation. Block & remove the following transactions from the consumer report : Account Name : XXXX  XXXX Account Date : XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX Card Account Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card accounts XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX. XXXXXXXX XXXX opened XX/XX/XXXX under the account number XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. 
According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . 
They also violated 15 USC 1681i ( 5 )
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on me credit report. Please remove these accounts from my report they are hurting my ability to obtain credit.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  filed a small claim against me in the state of Georgia. The judge has ruled and closed this case in my favor. I demand that all these accounts are removed and deleted. I will have documents attached from the judge. Thank you! 

XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account is frozen and the bank is refusing to tell me why they wont provide a number or a reason why my account is frozen Im lost I have no money
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and midland funding and XXXX i these off my credit old accounts and I have disputed over and over.
Product: Payday loan, title loan, or personal loan

Information on my credit report is inaccurate and has brought down my score. I have been working with the credit bureaus and moving to slow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has caused my credit score to drop by XXXX points. On XX/XX/2022, I paid my XXXX balance on my XXXX XXXX credit card. 

Today is XX/XX/2022, Equifax has negligently continued to post on my credit report that I owe XXXX. I never paid the full amount. 

Equifax needs to be investigated because the company is blatantly lying about my payments to XXXX XXXX. 
My credit score was XXXX, Equifax caused XXXX points to be deducted. 

I need Equifax to restore all my points & apologize for negligently reporting I owe a XXXX Balance on XXXX XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via certified mail to Experian on XX/XX/2018. Tracking number XXXX. It shows it was delivered on XX/XX/2018 and signed for. XXXX  tracking number XXXX XXXX tracking number XXXX I sent the letter stating negative accounts were not mine, never opened by me. I sent proof of this. I also sent proof that I never inquired on multiple accounts listed as credit inquiries. I never received any information in return and these items are still listed as mine on my credit report. 

Accounts fraudulently opened XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX I also have over 12 inquiries I did not make. I sent proof of this as well. 

The student loans listed as negative were forgiven and I also sent proof of this. The XXXX  XXXX was paid off in full. 

All of this information was sent over a year ago via certified mailed. It is my right and the law that this be resolved. This is having a negative impact on my life and I have taken any and all steps to resolve.
Product: Credit card or prepaid card

Ive had this personal credit card with JP Morgan Chase for 10+ years and have finally saved over XXXX ultimate rewards and was waiting until I got XXXX rewards before using them to book my honeymoon vacation. I just got a letter that for some reason Chase is deciding to close my account. I have never missed a payment and have never had any issues with my account. This is very very unfair.
Product: Checking or savings account

Hello I had open a Checking account with BBVA in XX/XX/2019- I was advise that there overdraft protection would be applied if I do not have enough funds when the transaction Finalized and post to the account- I had notice that was not happening- I would get deposit in the account to cover the transaction but was still being charge there fees- After talking to the Bank I was inform of the same thing Now there story has change and they state they go by the original time stamp, if that the case there a ton of transaction that was charge a fee when there was funds in my account already to over the. there are multiple calls clarifying this issue and since the Bank and there employees keep providing wrong info and does not know what there policy truly is I am not reaching out- they are refusing to take care of there new Member do to the improper info that been provided I recommend a full investigation on there overdraft services
Product: Payday loan, title loan, or personal loan

I went to meet up with a rep of XXXX XXXX in XX/XX/XXXX to getting a loan using my car as collateral and ask for XXXX , prior to asking the man on the phone *XXXX* said that they would need to put a gps on my car and only give me XXXX $ cause of fees for stuff about dmv and titles. So I ask XXXX and XXXX was skeptical over phone and said hell ask his associates and come back saying okay but youll only get XXXX cause of fees and stuff. As I was talking to his assistant to sign paperwork to make it official they told me that normal title loans youll pay interest rate like any other title loans. So when the assistant went over the paperwork with me on her computer she said an estimate of XXXX I would have to payback with no time frame prior paying back so it sounded reasonable me cause I borrowed a bit more and would have to pay a little more from interests and fees. So months went by and I started to notice that the balance I owe wasnt going down and email them saying why it kept going up and down on my payoff balance account and they respond that it changes daily on my account. Didnt think about it too much and forgot about it. Come about a year later Im stilling paying it so I look about my copy of paperwork and notice that they gave me XXXX $ and the APR is 128 % over 36 month time period and after Ive done payed off my total would be over XXXX . Ive email them about this and gotten no respond as of XX/XX/XXXX
Product: Debt collection

https : XXXX XXXX XXXX XXXX XXXX Female caller refused to identify company claimed my son gave the number as his, which is a lie. This is not the first time this company has called me over a dispute with my son, who is an adult. Each time they say they are going to remove me from their data base. They lie. 
Today is XX/XX/2022 incoming call XXXX am