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

Dear Sir or Madam : As I already reported via telephone and in writining, I am the victim of identity theft AND OR DATA BREACH FROM XXXX COMPANYS. I am writing to dispute I am a victim of identity theft, and I did not make these chsrges. I am requesting that the these accounts be removed/DELETED that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

ADDRESS NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ACCOUNTS TO BE REMOVED : XXXXXXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX. {$44000.00} XXXX XXXX # XXXX BAL. {$15000.00} XXXX XXXX  XXXX ACCT XXXX XXXX BAL. {$24.00} XXXX ACCT # XXXX BAL. {$33000.00} XXXXXXXX XXXX XXXX # XXXX BAL. {$2500.00} XXXXXXXX XXXX XXXX XXXX ACCT XXXX XXXX BAL. {$28000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX BAL. {$3500.00} XXXX XXXX- ACCT # XXXX BAL. {$12000.00} XXXX XXXX XXXXXXXX ACCT # XXXX BAL. {$1300.00} XXXX. XXXX XXXX- ACCT # XXXX BAL. {$260.00} XXXX. XXXX XXXX- ACCT # XXXX BAL. {$2600.00} Pursuant to federal law, I am requesting that you remove all accounts/delelte from all my credit reports. 

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information. 


( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I have received numerous calls and letters stating I owe a debt I do not recognize. The company, IC Systems refuses to provide proof in the form of an original bill or contract. This company has also called my brother, my parents, and my work leaving personal messages about the alleged debt and threatening " action '' if I do not respond. 
The most recent letter is dated XX/XX/2018. The phone calls occur daily.
Product: Credit reporting or other personal consumer reports

Subject : Enclosed Correspondence Regarding Privacy and Opt-Out Request To Whom It May Concern, Please find enclosed XXXX letters regarding my formal request to opt out of reporting my personal information, as detailed under the relevant sections of the XXXX XXXX  and supported by federal guidelines. I am addressing these issues with respect to privacy protections afforded to me under 15 U.S.C. 6802 ( b ), along with applicable case law and Consumer Financial Protection Bureau XXXX. These letters outline my concerns and specify actions requested to ensure compliance with my rights. I am asking that these matters be addressed promptly, with acknowledgment of the requested removals within XXXX days. Thank you for your attention to this matter. I look forward to receiving confirmation of your compliance with these requests. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft. Citicards CBNA has continuously disregarded my consumer rights under the Fair Credit Reporting Act by reporting a fraudulent account to the three major credot bureaus. I tried to fix this directly with them back on XX/XX/XXXX, but they did not repond to my debt vaidation request. 

All I am asking is the following account to be removed from my credit reports, since its a fraudulent account : Citicards CBNA acc # : XXXX. Balance : {$0.00}. Opened : XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/20 I wrote a check to XXXX XXXX for {$140.00}. Certegy declined my check, reference number XXXX. I called my bank, XXXX  XXXX XXXX and they could see no reason my check was declined. I can not get anyone at Certegy to talk to me and the online system gave no specific reason why it was declined. Other vendors accept my checks, XXXX being a good example. I had to ask XXXX  XXXX  XXXX for a replacement debit card which is why I am using checks instead of a debit card.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/year> Balance : {$0.00} - Charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help! I got a response from the credit bureaus and got a response saying I was a third party and that they want continue the dispute they are stalling! I'm upset because XXXX sending the letters! I'm going to list the accounts below! 

1. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

12. XXXX Account Number : XXXX
Product: Mortgage

Company of concern : Bayview Loan Servicing XXXX XXXX XXXX XXXX MI XXXX complaint : After a refi, this company took over servicing from the lender that closed the loan. During the loan closing process and after the loan closed Bayview has been repeatedly requesting that we supply them with proof of hazard insurance. We have provided ( myself and my insurance agency ) to the whomever the person from Bayview requesting the docs at the time of inquiry. I've emailed on several occasions and even used their online portal system to submit the docs. I've requested several times from Bayview that someone please acknowledge my proof of insurance and remove me from the " final notice '' list. They send me a letter every month explaining they need proof. They also state they will auto draw an absorbent amount from my account to cover the cost of insurance. 

I'm at a loss and don't know how to move forward with this company. I'm hoping my complaint will help solve the service issue I'm experiencing. To be honest, these tactics feel predatory.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of unauthorized inquiry reporting and this is another request to eliminate the items from my credit file resulting from unauthorized inquiry reporting. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any items no later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous complaint & I am including it again. Additionally, the information you provided on these items are UNKNOWN to me and DELETED from other bureaus, which leads me to question their accuracy : XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX. This communication serves as your last warning. If you do not expunge the listed items from my report, I will initiate legal action. I have briefed my attorney on my intentions, and they are ready to hold you accountable for any willful noncompliance. Please expunge the items resulting from an unauthorized inquiry reporting. Thank you for your prompt attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. This inquiry is inaccurate and needs to get deleted immediately : XXXX XXXX XX/XX/2021
Product: Debt collection

The company did not verify the charges as they stated. The company had not provided any contracts that have any signatures. Further the only information the company had provided me had the incorrect name and incorrect date of birth. I know of nothing that supports this companys allegations. This company continues to illegally report on my credit for an alleged debt not a verified debt as they do continuing to write defamatory statements on my credit regarding allegations and not facts. THIS COMPANY HAD NOT ADHERED TO FCRA 609 AS DEMANDED NUMEROUS TIMES.I state for the record I know of knowing that supports their allegations of this unverified account. REMOVE ILLEGAL FALSE/INACCURATE CREDIT REPORTING AND OR DEFAMATORY STATEMENTS IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Experian and XXXX XXXX to Respond to Initial Complaint within XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and Experian regarding their failure to respond to my initial complaint within the legally mandated timeframe, as stipulated by the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve the issue directly with XXXX and Experian, they have not acknowledged or addressed my complaint within the XXXX period specified under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA. 

On XX/XX/year>, I submitted a complaint to Experian and XXXX regarding unauthorized inquiries, identity theft, and inaccurate information on my credit report. Furthermore, I have discovered that Experian and XXXX have accessed and reported on my credit information for over XXXX  years without my authorization or knowledge. According to Section XXXX of the FCRA, consumer reporting agencies must obtain a permissible purpose before accessing a consumer 's credit report. I did not authorize Experian XXXX XXXX to use or report on my credit information for any purpose. According to Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA, upon receiving a dispute, consumer reporting agencies such as Experian and XXXX are required to conduct a reasonable investigation within XXXX  days, unless they consider the dispute to be frivolous or irrelevant. In my case, both Experian and XXXX have failed to adhere to this statutory requirement by not responding at all within the specified timeframe. 

This delay has caused significant inconvenience and potential financial harm to me. As a consumer, I rely on accurate credit reporting to secure loans, housing, and employment opportunities. Experian and XXXX 's non-compliance with the FCRA has directly impacted my ability to manage my financial affairs and protect my creditworthiness. 

Therefore, I request that the Consumer Financial Protection Bureau intervene and take appropriate action against Experian and XXXX for their failure to comply with federal law. Specifically, I request that Experian and XXXX be compelled to remove my entire complaint from my credit report immediately, as they have forfeited their right to report it due to their failure to investigate and respond within the required timeframe. 

Please inform me of the steps you will take to address this matter and ensure both Experian and XXXX 's compliance with federal consumer protection laws. 

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

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

Santander insists on furnishing inaccurate information to the credit bureaus. The account is inaccurate due to no account type. The high balances are inconsistently reporting between the bureaus. How can the account have been verified as accurate with a blatant inaccuracy reporting month after month. I have disputed this account directly with the bureaus and have not made any progress and they simply refuse to investigate it any further which is illegal. Santander shows on my credit report they last reported the account on XX/XX/XXXX at one bureau and XX/XX/XXXX on the others. That is inaccurate. They are in violation of XXXX XXXX because they claim the account was sold to another lender yet they have failed to report to which lender. I have a right to know who is trying to collect money from me. The dates last active is inaccurate because they are inconsistently reporting between the credit bureaus. I have requested a record of the payment history to prove the last payment was made on XX/XX/XXXX and XX/XX/XXXX because they have 2 dates listed for the date of last payment. They have not responded nor provided a record of the payment history to prove a payment was even made. That is falsifying information to prolong the length of time the account is to stay on my report to purposely further damage my credit rating. Since they claim the account was sold to another lender why are they continuously reporting on the account?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Trans Union XXXX XXXX XXXX XXXX XXXX, PA. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name XXXX XXXX XXXX ( Correct Names ) Address XXXX XXXX XXXX  XXXX XXXX, MD XXXX ( Correct Address ) With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Dear Bank Of America, Would you assist me regarding XXXX letter for property - attached This is in regard to a loan with XXXX ( me ) later transferred to XXXX. 
What was Bank of America involvement if any with transaction per letter attached. 
I have been able to obtain document of errors-attached Bank of America may not have been aware of recession by XXXX according to fidelity representative - attached letter. 
Dual tracking appears to have taken place
Product: Debt collection

I have never heard of this company and they put XXXX times on my credit report XX/XX/XXXX for {$980.00} I.C. SYSTEM, XXXX XXXX XXXX, MN XXXX I have excellent credit and this is WRONG!!!!
Product: Debt collection

On XXXX XXXX I received the first collection letter from Central Credit Services LLC located at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX with the phone ( XXXX ) on behalf of the creditor XXXX XXXX XXXX, for a debth ( {$230.00} ) which I do not recognize and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that late payments on my account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX account numbers XXXX & XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments to be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXX account XXXX XXXX XXXX XXXX
Product: Debt collection

I previously submitted a CFPB complaint to this company ( # XXXX ) about a fraudulent account opened in my name ( # XXXX ). I had the information blocked and it has appeared back on my report. In the previous companies response it was stated that the item had been removed. XXXX is stating that the company is requesting to put the account back on my report. They are stating that this is XXXX different accounts but the FTC report states the account and amount. Please contact the CRAs to let them know this item should be removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late with payments. Ive attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
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 insufficient funds when transactions were authorized, I was charged fees due to a lagged posting 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 reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization,  Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below PUBLIC FILINGS XXXX   RECORDER OF DEEDS {$3800.00} not mine
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate and corrective action to remove or amend the dispute accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate address that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXX XXXX, NJ XXXX.
Product: Bank account or service

I am having a problem with TD Bank. They have charged XXXX of my account for overdraft of another account after I asked them to shut the account off. They shut both accounts off then charged the opened account over {$1800.00} to fund the other account. The fees are continuous triple charges for the same charges. I have not received help from the branches and been on the phone for numerous hours just waiting to talk to someone with no help at all.
Product: Credit reporting

I would like to get my free annual credit report from Equifax , but can not get a copy of it. I have submitted a request via USPS mail, since requesting a credit report online from THIS credit reporting agency is IMPOSSIBLE TO DO!
Product: Bank account or service

I have been trying for at least 12 years to enroll in online account access to my savings account with Navy Federal Credit Union. I have called on many occasions day after day month after month year after year and been told because I filed bankruptcy I have lost my privileges to access my account online. This bankruptcy happened over 12 years ago it is not even in my credit anymore but some how Navy Federal Credit Union has my account flagged to never allow me to have online account access. I never heard of being punished for life for a bankruptcy that happened many years ago.