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

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Current Address - 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 reporting, credit repair services, or other personal consumer reports

I really need your help because at this point I dont know where to turn. I had my coffee, opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following are listed below. This information is a direct result of identity theft. This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. I did not authorize these credit pulls. There are addresses where I haven't lived, and there is a name that doesn't belong to me.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement
Product: Mortgage

I have a mortgage with Chase Bank The payments are made directly from my checking account on an automatic basis, monthly. 

I want to change the payments to come from another account that I am not an account holder of ; I obviously have permission from the account holder to do this. 

I have this account number and routing number, and could get written authorization from the account holder to do this. 

However, Chase Bank will not do allow a payment to be made from an account that I am not on, even though there is now federal or state law against this.
Product: Credit reporting or other personal consumer reports

I have changed phone numbers several times over the years due to personal reasons, somehow now my current number was not able to be validated by LexisNexis when I applied for a credit card. There was no specific explanation provided in the decision letter.
Product: Mortgage

Since I bought my property in XXXX This property has been my primary residence And the tax payments were always semi annual. I was paying for my mortgage an approximate of {$2400.00} a month. Last escrow analysis raised my mortgage to {$2600.00}. For some reason, the city of XXXX made a mistake and listed my property XXXX not primary residence so TD Bank took that information and paid last year the Full amount of the taxes. Now my new tax bill just came out XX/XX/XXXX for {$8300.00} of which now the city has amended the tax bill and have now semi annual payments of {$4100.00}. TD Bank send me an escrow analysis That was generated on XX/XX/XXXX and it says that the new total monthly payment now to pay is {$3400.00}. After I fix the problem with the city and got the correct information and send it to TD Bank mortgage company they apparently did a new escrow analysis and my mortgage monthly payments have gone up even further to {$3800.00}. 
Basically between my XX/XX/XXXX mortgage payment of {$2600.00} and my XXXX payment of {$3800.00} there is a massive mortgage payment increase on {$1100.00}!!!!! 
Going by the old escrow analysis that Ive had before I have seen my monthly payments going up by {$150.00} - {$200.00} dollars, but not XXXX XXXX XXXX XXXX XXXX XXXX DOLLARS!!! This posts a very large problem in the way that I XXXX not be able to fulfill payments as this is WAY more than what they are supposed to charge me. 
I just called them and told them the same thing and all they said was we will try to do another escort analysis call back in XXXX business days. They keep telling me the same thing over and over again and I feel theyre not caring for what XXXX trying to tell them, which is very important.
Product: Checking or savings account

Overdraft fees being taken out of my account when funds were available
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times I have sent an identity theft report to the credit bureaus, yet I have not been getting any response and no action is being taken towards removing this negative remark from my credit report which is fraudulently stating on my credit report. I have filed an identity theft report with the Federal Trade Commission multiple times regarding this issue and even sent them a copy of the police report that I filed because of this fraudulent activity. The bureaus continue to disrespect the consumers and not take their requests seriously. I have been a victim of identity theft and the listed item ( s ) to the attachment is fraudulent and must be blocked and removed from the credit report. I have filed for a police report which shows the seriousness of the issue. I do not want to see a credit line to report on my credit history if it does not belong to me. These are official documents from the Federal Trade Commission and from the XXXX Police Department. The Wells Fargo Bank - Acct No. XXXX does not and never had belonged to me. This is the work of an identity thief ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts on my credit report that I do not recognize
Product: Credit reporting

I filled banckruptcy in 2013 and all my accounts were erased but XXXX, XXXX XXXX XXXX. With bankruptcy it should have been disputed but now it is affecting my credit score. Other than this what can i do?
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 name : XXXX # XXXX ..., Account name : XXXX Funding XXXX  # 70618719XXXX, Account name : XXXX  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 XXXX states that a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681sXXXX ( 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

I had submitted a dispute with Bank of America back in early XX/XX/2020 for a transaction totaling {$1500.00}. I further had to call in and correct the dispute because Bank of America filed it incorrectly and they said I was not protected under regulation e. So after revising the dispute the agent told me I was protected under reg e and I should recieve a temporary credit in ten day. Fast forward to today. I just called Bank of America because the credit was not issued. After speaking with multiple agents I was told I was not covered u see regualation e because aparantly this merchant does not offer temporary credits but I dont believe that is true because regulation e protects consumers for this exact problem regardless of who the merchant is. I have not been able to come to an agreement with Bofa regarding this matter and I believe they are in direct violation of regulation e and I have evidence and proof to back that up. I do believe they should incur some sort of fine or penalty because they are violating regulation e. And this has caused me to take time away from my business directly causing more financial burden. Let me know if you have any questions. You can reach me at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for $ XXXXReported, XXXX XXXX XXXX  XXXX  for {$8300.00} Reported balance, and XXXX XXXX  XXXX {$0.00}. These accounts are due to identity theft and is not my obligation. XXXX  and XXXX  have already removed these fraudulent accounts.
Product: Debt collection

This was resolved, they sold the information again to another 3rd party collection agency called > ( eastern account system ) Here is the information from my dispute XXXX Complaint # XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Communication tactics We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT They called me at XXXX XXXX XXXX harassing me multiple times and threatening me, I sent a debt validation letter XX/XX/XXXX, they never show me any proof of validation. [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ] They added a derogatory marks on my credit reports, they never validated anything at all, Upon further research, this account was transferred /sold to a third party collection agency they did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The company refused to remove items unless I sent in proof of my identity, I submitted proof and they still refused to investigate. I requested the following accounts be removed from my credit report due to fraud and this them continuing to report is a direct violation of the fair credit reporting act. 

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 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 XXXXXXXX XXXX BANKRUPTCY XXXX XX/XX/2019 I also requested they remove the following incorrect addresses from my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in letters to Equifax and XXXX disputing and requesting companies of my credit report. While they are updating my credit information they wont send me a copy of the report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with cash app ( block inc. ) Due to inadequate customer services and unfair practice. Which violates the consumer financial protection act ( cfpa ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my acct vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements. Under the electronic fund transfer act. ( XXXX ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received numerous inquiries from XXXX XXXX and I did not authorize them. In addition, XXXX XXXX recently reported me 30 days late on my payment in XXXX. This information is inaccurate. I was not 30 days late on my payment. I made payments on my account even when they inaccurately had me assigned to another company. XXXX XXXX sent me no statements, blocked all access to my account, and would not talk with me about my account. I called and called talked with numerous reps and then finally a manager and finally was able to get them to correct their mistake. The manager promised my credit report would be corrected, but it has not been. I faxed them and even sent them a certified letter regarding this matter.
Product: Checking or savings account

Regions bank Regions bank overdrew a debit card transaction and then proceeded to charge me XXXX of XXXX  in over draft fees over the next month. These fees are illegal and this has been decided by a federal court. I closed my account because they rob their customers.
Product: Credit card

I have spoken to Bank of American concerning this paid account several times. Last year they told me it would be removed. It is a charge off which is incorrect. I am applying for a mortgage and need it removed. This has been on my credit bureau since 2010? 

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

XXXX, XXXX, Equifax XX/XX/XXXX, I sent my 4th and last dispute to all 3 bureaus via certified letters regarding information that is illegal according to the law- 15USC1681B. There's MULTIPLE information ( false collections, paid acct 's showing contrary, false addresses, misspelling of my name, etc ) from companies that I've NEVER given permission to use my name, signature, etc to report to these 3 bureau 's. There's no contract with my signature to report from any of the information from as early as XXXX on back ; on my behalf. Today 's date is XX/XX/XXXX & there are OVER 56 inquiries & multiple false reports that I've constantly disputed to all three bureaus to no relief nor change! One great example is a 10+ year OLD closed bankruptcy that's FRESHLY reporting AS OPEN!
Product: Debt collection

To whom it may concern, It appears that Capital One is reporting previous late payments on my consumer report. Per the XXXX XXXX, I am requesting an update to paid as agreed because these payments were furnished after XX/XX/2020 during XXXX. 

I appreciate your cooperation and timely response to assist me as a loyal customer.
Product: Credit reporting or other personal consumer reports

I wrote to Experian in XXXX and asked for the removal of the accounts mentioned below for inaccuracies. they have not removed them. I request the immediate removal of the following negative items from my credit report, as they are unjustly affecting my creditworthiness : XXXX XXXXI have not been provided with an account number or details, yet this account appears on my credit report. I can not validate this account, and I believe it should be removed if they can not provide appropriate information. 

XXXX XXXXI have no open accounts with XXXX XXXX, yet I am being reported for delinquent accounts every month. I request that the CFPB ask XXXX XXXX to validate these accounts or remove them from my credit report.
Product: Checking or savings account

i was told to file a complaint with cfpb if i never received the settlement from wells fargo due to the overdraft charges that were applied incorrectly to my account.
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 oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support Team, I am writing to express my dissatisfaction with the permanent limitation placed on my PayPal account under the email address XXXX. I believe that this limitation was placed on my account by mistake, and I would like to appeal this decision. 

First and foremost, I would like to state that I have not violated any PayPal policies. I have always used my account in a responsible and ethical manner, and I have never engaged in any fraudulent or malicious activities. Therefore, I strongly believe that this limitation is unjustified and should be removed immediately. 

I understand that PayPal has policies and procedures in place to protect its customers, and I appreciate the efforts that PayPal takes to ensure the security and integrity of its platform. However, I believe that in my case, a mistake has been made, and my account has been unjustly limited. 

Therefore, I respectfully request that PayPal re-investigate my case and restore my account if possible. I would appreciate your prompt attention to this matter and hope for a positive resolution. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX XXXX