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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 





Additionally, I request the removal of all unauthorized inquiries related to this identity theft : 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 Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX XXXX
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 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 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 or other personal consumer reports

XX/XX/year> Dear ( XXXX, Equifax, XXXX ) I received a copy of my credit report and I have found the following item listed below to be in error. This account is listed with late or missed payments and that is incorrect. The following account was NEVER late and should be listed as PAYS or PAID AS AGREED. The account listed below was put on a Financial Hardship agree as of XXXX due to a natural disaster in XXXX, FL . On this date XXXX was aware of three hurricanes hitting in my area. So I was advised by a representative that I would be put on a financial hardship agreement where I would only pay {$30.00} a month. I mad those payments and even paid over {$30.00} some months. Then XXXX XXXX XXXX was hit by hurricane Debbie that turn into a tropical storm. I contacted XXXX  again and they switch my hardship to a deferred plan. With both plans per contract they do not report to the credit bureau. I will be attaching statements that show I was making {$30.00} payments or more per my Financial hardship contract. 


XXXX + Account Number # XXXX I was never late on ( XX/XX/year> ) on this account please update the account as Paid/Current.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX  XXXX Balance Owed XXXX {$9600.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$540.00} 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I applied for auto financing with XXXX XXXX in XXXX, Tn with my Credit Card pursuant to ( 15 USC 1602 ( I ) ). XXXX XXXX sent the application to fifth Third bank.. Fifth Third Bank denied me Credit. To my understanding Credit is a " Right '' not a privilege. Fifth Third BANK has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.
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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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: Credit card

I looked up my credit report and I see I have XXXX hard inquirys that I have never in my life sign up for XX/XX/year> somebody tried to get a Citibank, best buy credit card in my name and a XXXXXXXX XXXX XXXX in my name XX/XX/year> as well witch I have never made in my life somebody use my information to try to scam to get them cards and now I have to hard inquiry pulls .this is fraud I am trying to get these XXXX hard inquirys removed of my credit please.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

I want complete DELETION of the account and the sum payable in the amount of {$1000.00} for each account VIOLATION.
Product: Money transfer, virtual currency, or money service

Cash app is forcing its users to pay with digital wallet by not sending debit cards as they said they would. Even goes to extremes to display a card has been delivered as per its status. After user grants permission to use XXXX XXXX, cash app will then commence a duplicate transaction using an icon similar or exact to the original merchants. When you choose to dispute they will then tell users to take it up with the merchant, or email them, never insisting or suggestion to open a claim as the real appropriate method in these situations. After reminding them the balance on cash app can never be negative and threatening to defund the account, they reversed the transactions and returned the funds. They did this subsequently for two charges and reversed each one within 5 minutes of each other after saying the exact same thing. This calls for a class action lawsuit for many people this has happened to and left much confusion dating back to cases over a year ago suggesting this scam is STILL ONGOING. This is obscure and must be stopped! Cash app must be put out of business, and publicly revealed, as the government bankrupts these scammers out of commission! 




The two transactions I will reference are from XX/XX/2021, XX/XX/2021, XX/XX/2021 The name of the correct merchant would be XXXX not XXXX - cash app has used a disguised name to avoid infringement. Meanwhile neither XXXX or XXXX had any record of the repeated charged transaction because Ive never had a subscription. 


The relation between the two are that they are both being done via digital wallet, XXXX XXXX, not using the card directly. I have zero access to my card because cash app hasnt sent me one for over a month. That makes room for them to forge transactions and app icons. I have support and references from external websites complaining about the same thing.
Product: Credit reporting or other personal consumer reports

XXXX credit card  erroneously reported that I was 30 days late in XXXX. I called XXXX and was told that I was not 30 days late and that they were unsure why its being reported that way. They advised me to dispute it. I submitted a dispute with XXXX and submitted my credit statements showing that is incorrect and I just received a determination adjusting the 30 day late from XXXX to XXXX today is XX/XX/XXXX, so that is impossible!!! In fact, my credit statement shows that my due date is XXXX and that the minimum payment has ALREADY BEEN MADE. I need this corrected as soon as possible.

And while Im at it this company had started charging a yearly fee and monthly fees this year and I never agreed to it. Those were not a part of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that Experian and XXXX Credit Bureaus closed my complaint to protect my PRIVACY. I called Experian and XXXX after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Debt collection

I had my roof replaced. XXXX came out and took off solar panels to facilitate this. They said they would charge me via my normal XXXX XXXX account which is auto payed for removing and replacing the panels. 

I never received a bill. 

I began getting letters and calls from Caine and Weiner ( XXXX ) - XXXX, a collection agency. 

It took some time for me to sort out why they were collecting when I had made several calls to XXXX and was told my account was all paid up, since I have auto pay. 

I went over XXXX  bills, realized they had never actually billed me for the service. I told XXXX I would be happy to pay the bill if they would invoice me. They said they would not send me an invoice because was now " in collections '' Here are some notes I took at the time : XXXX sent via XXXX support web correspondence : I was getting texts a while ago about a > {$3000.00} bill I owed XXXX. I contacted XXXX  and asked what this was about and to actually send me a bill They said as far as they could tell I was up to date and was on auto pay so there was no such balance. 
Now yesterday ( XX/XX/year> ) I was called by tel # XXXX XXXX XXXX, said they were a collection agency engaged by XXXX  because I had not paid a bill. So what is the issue? for me best way to correspond is by email XXXX. thanks. 

Subsequently I did fill out a collection notice from Caine and Weiner with my credit card info and mailed it to them, but they keep calling and sending collection notices. 

The above is from notes I kept. I have more copies of what I sent to XXXX if the cfpb is interested.
Product: Checking or savings account

Navy Federal Credit Union had restricted my use of debit card services. This has effectively disabled my debit cards, and ability to use XXXX. The credit union did this without notifying me of any potential disadvantages that could occur when submitting dispute claims. I've been a member of the credit union for six years, and never have I experienced this action taken against me. Furthermore, I use XXXX weekly to pay for some of my expenses such as rent. This restriction has prevented me from submitting payment for the month of XXXX, and now I am at risk for eviction due to their actions. In addition to this, I was actively enrolled in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and one of my checking accounts is currently in overdraft. Without full use of my debit card, I am unable to submit payment to this account. I often use XXXX, XXXX, and XXXX to deposit money into that debit card/checking account. Without full use of the debit card, I do not have any other option to satisfy the overdraft debt. The credit union only allows 30 days for accounts to be in overdrawn status, otherwise they will charge off the account. This is completely unethical, as this restriction is not referred to neither mentioned in the debit card disclosure, and the credit union has not even provided me a letter to warn me before making this restriction. I had also submitted an ACH transfer for payment to my landlord, however, because the credit union restricted my account, the transfer was reversed and I received {$75.00} NSF from my landlord, and the credit union charged me {$29.00} for reversal fee. This is unpractical, and the representatives have not done anything about my complaint.
Product: Checking or savings account

On the evening of XX/XX/XXXX I was notified by phone by a Wells Fargo employee that there was some suspicious activity on my account. And he was right. There were ten unauthorized transactions totaling {$2300.00} + a pc transfer of {$1000.00}. So I was ripped off for a total of {$3300.00}. What's even more crazy is right after my first card ending in XXXX was shut off, there was more stolen. And it was from a card ending in XXXX that I haven't even received or requested yet. Also the hackers were doing withdrawals from XXXX and I'm in XXXX XXXX. I've never been to Florida in my life. But now Wells Fargo said they can't reverse the {$1000.00} pc transfer and I still haven't received my reimbursement for the ten unauthorized ATM withdrawals yet either. I've been hacked 3 times in 2023 and I've had it with Wells Fargo! Especially after this 3rd time because their putting me through so much bs trying to get my money back. I don't need this stress I just want my {$3300.00} back asap and their " customer service '' has been soooo frustrating! Anyway, if u can, please assist me anyway possible concerning my problem. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tested XX/XX/XXXXXX/XX/XXXX. At the time I had already been out of work a week as I was not feeling good. My condition slow begin to worsen, which made talking difficult. I reach out to all my creditor to let them know I was suffering from covid and it was causing financial difficulty. Unfortunately one main email was not working on several occasion inside the portal. When I select having payment difficult it state to call which I could not. I had my husband make payments in XXXX as well as XXXX. Unfortunately in XXXX we were {$26.00} short on my payment. Which result in One main reporting XXXX as 30 days late. When I started to feel better and was able to call and talk to one main I notice they report me 30 days past due. Which 1 I was not and 2 directly valid sect XXXX of the cares act signed in to law on XX/XX/XXXX. Protecting the credit reports and individual effect by covid whose accounts were not in collections. I reached out to inform them that they were in effort and both my local office and their corporate office stated they would not change it. So now Im filing a complaint has this violation of the law is sufferly damaging my credit and has prevent me from purchasing furniture on credit for my children.
Product: Debt collection

This company is contacting me stating that I owe them money, the company is conducting soft and hard credit pulls, contacting me via phone and through postal mail. There is no debt owed. I do not know how the company received my personal information.
Product: Credit card or prepaid card

Best Buy XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/19 purchased laptop {$1100.00} including discount of {$200.00} if apply for a Best Buy credit card. Approval code XXXX, card # ending in XXXX according to receipt Asked to pay off immediatedly at store- refused to do. Calle the store several times in the last month asking where card was, said it should have been in the mail and received. Called credit card issuer Citibank, said card will not be sent, ss # and name do not match as entered by Best Buy employee. Daughters name and ss # but mothers name as per rewards account. Citibank said the only way to receive card now was to prove identity by mailing them copy of Mothers birth certificate and ss #. said this was not secure. Citibank and Best BUY refuse to send statement. We want to pay in full and especially before interest begins. HELP!
Product: Credit card or prepaid card

XXXX. XXXX XXXX XXXX dated XX/XX/22 for XXXX XXXX which I never applied for, requesting copy of front and back side of DL, SS card, utility bill or bank statement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated under my federally protected consumer rights to privacy and confidentiality 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 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 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 with 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 innacurate