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

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 XXXX ( XXXX ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX CO Inquiry Date : XXXX Creditor Name : XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX Name : XXXX CARS XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX Creditor Name : XXXX OF XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX NA Inquiry Date : XXXX Creditor Name : XXXX XXXX BANK XXXX Inquiry Date XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Inquiry Date : 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 XXXX 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.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Tired of being ignored month after month about inaccurate information which has never been verified to me after asking for proof of the reporting. I am yet to receive any physical proof from the companies.
Product: Credit card or prepaid card

I discovered two two charges for identical amounts for {$53.00} when I examined my most recent statement. I wrote to the Citicorp Visa approximately two days later advising that I knew nothing of the charges and requested that it be removed. Citicorp sent me documents by email on XX/XX/XXXX that were to be completed by me to certify that no authorized user on my account ( which I am the only one ) and I promptly completed same. 

On XX/XX/XXXX, a letter was generated by Citicorp to me advising that the investigation was complete, the charges were deemed to be legitimate, and that the provisional credits were reversed meaning that I owed the amount in question in the amout of {$100.00}. 

No information was provided as to how they made this determination. Upon learning of this letter, I again contacted Citicorp Visa and advised that this charge was indeed fraudulent, and it was incorrect for them to close an investigation, essentially calling me a liar, and removing the credits. The investigation was to be reopened and I was to be notified. This call took place on XX/XX/XXXX. 

I subsequently wrote a letter to the CEO of Citicorp, XXXX XXXX on XX/XX/XXXX. I have yet to hear back from her office. 

Today, I received my monthly statement with a closing date of XX/XX/XXXX which shows that the credits were still reversed, the charges were deemed to be 'legitimate ', and the original charges were re-applied. This tells me that the customer service manager to whom I spoke apparently paid me lip service and has disregarded my concerns.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to formally dispute the validity of the kickoff lending account listed on the credit report. I do not have a contract with kickoff lending and demand that you provide complete validation of this account. Including : XXXX a copy of the original signed contract or agreement proving my obligation to this account. 
XXXX the full purchase agreement if the account was sold to a third party, including the date of transfer and payment details. 
XXXX proof of ownership and authorization to collect or report this account. 
XXXX an itemized statement of charges outlining the full account history, including dates, amounts, and any payments. 
XXXX copies of all communication between kickoff lending and me regarding this account. 

under the Fair Debt Collection Practices act ( FDCPA ), you are required to provide accurate and complete documentation to validate this debt. If you are unable to provide the requested documents, you must immediately removed the account from my credit report and cease any further collection activity. 

cease-and -desist Demand Effective immediately, I demand that you cease all communication with me regarding this account except to provide Written proof of its validity as requested above. Failure to comply with request will constitute a violation of the FDCPA and may result in legal action.
Product: Checking or savings account

Wells Fargo sent me an email to open everyday checking account with the promotional bonus. When i followed that email and tried to open the account then the application was denied. Why in the first place Wells fargo send an email like this if they have to deny my application?
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$520.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$6000.00}
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and ID along with my SSN card was stolen. I called XXXX credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX and requested that the identity theft unauthorized inquiries be removed immediately and XXXX only removed XXXX of them so now I have to dispute unauthorized inquiries with the actual companies are such as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Now com/nmotions motors- XX/XX/year> XXXX. Ally financial XX/XX/year>, XX/XX/year> Remove all unauthorized inquiries thank you for your understanding. Attached is a copy of my policy report for the identity theft report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report : XXXX XXXX
Product: Mortgage

We have been doing a loan refinance since XX/XX/2020. No one will call us back with the status of our loan. They cant tell us how much longer this will take. Ive called the supervisor with no call back.
Product: Credit card or prepaid card

JCPenney Credit Card serviced by Synchrony Bank. 

I am unable to get paper statements. 

JCPenney continues to enroll me in paperless statement without my permission or request. 

Contacted support and tried 10 times to enroll back into paper statements. I am unable to stay enrolled for paper statements.
Product: Checking or savings account

I had an checking account with Bank of America my wallet was stolen by some one close to me who knew my banking information and they attempted to deposit multiple fraudulent checks into my account at once I called the bank to report fraud on my account after they doing there investigation they found that it was actually fraud and that I did not have anything to do with and closed the account, I just wanted to open another checking account with another bank or the same bank but I can not do so I wanted learn more about why
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency refused to accurately report information about my credit worthiness and after asking for debt validation, updated address and employer, credit amounts, they have still not thoroughly completed their investigation but still reporting inaccuracy on my credit report
Product: Money transfer, virtual currency, or money service

Apple Locked my money on my apple pay and wont let me get it back.My XXXX Is XXXX. Its XXXX On there They Locked For Absolutely no Reason on the date of XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00}.
Product: Credit reporting or other personal consumer reports

Recently Ive been reviewing my credit report and noticed some unauthorized Fradualent accounts. Please remove these as they hindering my ability to obtain credit.
Product: Debt collection

For over a year I have tried to resolve issue with company making false claims on my credit report. I do not have any contract with company that continues to put a claim on my credit reports. I have asked credit bureaus to supply me with the contract I supposedly have with my original signature, etc. but they advised me to file a complaint with your organization. 
This company is making false claims which has caused me harm and financial hardship. I tried to make contact and asked for proof of claim ( contract with original signatures, etc ) and they have not responded. They have continually misrepresented the nature of the debt, the amount, etc. and are using unfair and deceptive practices by harassing me through my credit reports. 
This company is guilty of UNFAIR PRACTICES. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from you, including : Misrepresenting the nature of the debt, including the amount owed.

I demand that this company remove any claims that are on my credit report immediately.
Product: Checking or savings account

I recently opened Cabelas Card with Capital One. This has been my only new account opened recently. A few weeks after the account was made someone started opening accounts with XXXX XXXX XXXX. This has happend three times in four weeks. This also happened to my wife with her account as well. They used all of our information from the Capital One application.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practice, which violate 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 account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Bank account or service

Bank of America has charged me overdraft fees and should not have. They have withheld funds to my account in order to charge me these fees. The account balance is always appears to have positive balance but the bank will make it negative. I am sick of this.
Product: Credit reporting or other personal consumer reports

THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST A RESULT OF MISREPRESENTATION.
Product: Debt collection

Debt collectors keep texting and calling for a credit card called 'XXXX XXXX XXXX XXXX ' I have never opened up credit card. I think someone used my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXX XXXX XXXX  - XXXX {$7100.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.
Product: Credit reporting or other personal consumer reports

I disputed to reporting agencies all debt concerning XXXX Card Acct # : XXXX and all claims to contract pursuant 15 USC 1602g, 1666B ( a ), 1681b ( 2 ), 31 USC 5118 ( d ) ( 2 ) under consumer report exclusions. My identity was stolen and all negative items do not belong to me and was charged off and reported without express written consent. These are considered identity theft and adverse actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I had to renew my lease on XX/XX/XXXX and when I did my leasing office pulled a report from a Equifax website that lenders, banks, landlords and employers use to report information. Well my leasing office uses this website and pulls info, well the info reported about a employer ( XXXX XXXX ) c is incorrect. I reached out to Equifax to dispute the info but the reps that I spoke advised that there was no employment history listed on report to be disputed or removed. I then advised about the the verification website and he could not help he did not know what I was talking about. I then tried contacting their corporate to speak with someone for 5 days straight to get info corrected. Either I got a different operator and they were EXTREMELY RUDE and kept wanting to transfer me to the regular customer service line even after I told them that they could not help me or every option I chose the voicemail stated that they were in a meeting. The reps in corporate yelled and cursed at me numerous times as well as hung up in my face. I even filed a complaint with the XXXX and was advised that they can not help me either so at this point I should not be just stuck without a resolution because if the info is not corrected I could be put out because I can not afford the increase or the back rent amount approx {$1800.00} they want me to pay based on info on website.
Product: Payday loan, title loan, or personal loan

On XX/XX/19 I noticed a {$25.00} Auto Pay WF Loan withdrawn from my account. I called the customer service number on line. I was told this charge is an annual fee for a {$10000.00} personal line of credit opened 6 years ago. They couldn't provide the date or any explaination why I haven't received any documentation nor do I see this personal loan listed on my accounts summary page or anywhere on my online account. I asked for documents authorizing this loan to be opened and no one I've spoken with has access to the requested documents for proof of authorization. 

On XX/XX/19 my wife and I visited our local WF branch and again no one had authorization to give us the information or documents. We were promised we would be contacted by XX/XX/19. We were not contacted on XX/XX/19. 

XX/XX/19 XXXX from our local branch called to ask if we had received a call from anyone. We told her we had not and she said we would be contacted within the next two weeks. 

We have asked for the line of credit to be closed and all funds returned to our account. I did confirm the line of credit posts on my credit report but I can't find anything on my online account to confirm the account was opened or has been closed. 

I have no need for a personal line of credit and have no recollection of ever authorizing one to be opened or my account to be charged with it. 

The inability for anyone I have access to with Wells Fargo to give me documents, dates and answers leave me to believe this account was opened without my authorization and is infact faudulent. I have been charged for 6 years and my credit has been affected. 

I have notified WF I would be filing a complaint with CFPB.
Product: Credit reporting or other personal consumer reports

After the newest social security breach I checked my three credit bureaus to confirm my safe status. Transunion credit report showed a hard credit report inquiry on XX/XX/year> from XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and phone number XXXX. I talked at length with Transunion credit Bureau and they confirmed the hard inquiry and suggested I report to FTC. My inquiry led to you due to this being a credit report type of issue. I tried the phone number for XXXX and learned they have no outbound calling. I attempted to send an email to discover no such email address exists. When I tried to verify the company in my computer it warned me this site was unsafe. As I was informed by the credit bureau when a credit report inquiry occurs it cant easily be removed. The substantial data shared in a hard inquiry is available now to a company Ive never heard of, have an my business or affiliation to. I have no idea how my data is being used or how to protect my future. I am hopeful the company can be discovered for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit Bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I waited 30 days and I haven't received nothing. It has been over 30 days.

And one more thing, they didn't even record the current status of the disputed information.

Transunion, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is not doing its job according to the law.