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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my XXXX, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting 2 incidents of identity theft that appear to be related. 

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, XXXX XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX  XXXX 2. XXXX XXXX, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX ( an XXXX company ) on XX/XX/XXXX that that the balance of {$970.00} has been reported by XXXX as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around 740 before ). This has impacted my ability to get the best rate on an auto purchase ( the lender increased the rate by 1.00 % after 10 days from the purchase date ). 

I also received a response from XXXX  regarding my dispute that above mentioned XXXX account is still scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT XXXX WAS REMOVED BUT PLACED BACK ON CREDIT REPORTS UNDER NEW ACCOUNT NUMBER XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report.

Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency.

IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION.

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus Experian, XXXX XXXX XXXX XXXX : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX XXXX Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX XXXX without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency. 

I demand that you take the following actions immediately : XXXX. Cease and desist any further unauthorized disclosure of my nonpublic personal information. 
XXXX. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed. 
XXXX. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records. 
XXXX. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future. 
Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights. 
I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE OR ATHORIZE THESE INQUIERES XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

The septic inspection was conducted on Friday, XX/XX/2022. Please review the report summary ( three ( 3 ) pages ) below, as this report describes the current condition of the system. Based on the preliminary information that was provided and the information obtained from the field inspection, the whole system Unsatisfactory This condition observed can cause a backup into the home being served. The condition of this system should be corrected immediat
Product: Debt collection

In XX/XX/XXXX I revived a letter stating that I had opened an account with XXXX  and that I had a outstanding bill. ( {$420.00} ) in XX/XX/XXXX I received another letter.

2 accounts in Collections Account Name Original Creditor -XXXX Open Date XX/XX/XXXX Balance- {$420.00} Debt- {$420.00} Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX  ) XXXX This is not my account, I have not opened this and I believe i'm a victim of identity theft..
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, is the third day that I have tried to reach Equifax regarding their " conclusion '' regarding a dispute on my credit report. I received a notice from them on XXXX-19 by email with a confirmation number. It said that I could get the results on line or in the mail. I tried several times on line and was told to call to " verify '' my personal information. When I call on the phone, I get people that do not speak good English, are apparently in a foreign country, and they want all of my personal information to talk with me. How do I know I am not exposing myself to identity theft ... AGAIN? Their website will not give you access through a variety of browsers, you can't get any help on " chat '' and the only alternative is to talk to some stranger who may be stealing your  information. Why doesn't the CFPB just close down these NIGHTMARE companies? They are horrible to deal with and could care less about the various fines and lawsuits that are filed against them. Equifax has erroneous information on my report that I am trying to get corrected and I have no idea what is going on with that. If I want to find out, I have to BUY my report, otherwise ... oh well? According to " chat '' and whomever these people are in other countries answering their phone calls, they are having problems with their website and we're supposed to work with them on the phone. Really? Our government has no control over what these people do overseas! How can they get away with this? Can you intervene? I would strongly support closing all three of them down ... they're awful and out of control! You can't get your information, no control over erroneous information, and are always at their mercy. This is very unAmerican. Thank you!
Product: Credit reporting or other personal consumer reports

Noticed a hard inquiry on my credit report. One on XX/XX/year> and one on XX/XX/year>. 
I have not dealt with either one of these companies before.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX / XXXX accordance with the Fair Credit Reporting act, the list ol accounts below hs violated my lederally protected consumer nghts to privacy and contidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 6024. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting can not fumish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any ol the following items ol information Any other adverse ol information, other than records of cormctions of crimes which amtedates the report by than yours. 
XXXX5 U.S.C 16815-2 ( XXXX ) A person shall not tumish any information relaling XXXX to any consumer reporting agency il the person knows or has reasonable cause lo he informallon la inaccurate.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of XXXX XXXX  and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

This is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX LA XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit card or prepaid card

Purchased furniture from Ashley Furniture on XX/XX/XXXX and used an open credit account with the store through Synchrony Credit. They promised a delivery date before XXXX, however they subsequently kept pushing back the date due to a back order. When it was looking to be in XX/XX/XXXX - I cancelled the order. Ashley did not put in a credit request with Synchrony and Synchrony pulled the entire purchase amount of {$1700.00} from my bank account stating is was on auto pay and allowed full payment. I did not authorize a payment in full since I was going to utilize the 12 month interest free offer. On XX/XX/XXXX, I contacted Synchrony to get my money put back into my account and after 2 hours on the phone with them I was told a check must be issued for a refund. Apparently electronic banking works only one way. I requested to speak to a manager to ensure this was put in place - the manager confirmed the refund request was put in and the check was requested on XX/XX/XXXX. The length of time to receive this was 2 to 3 weeks. On XX/XX/XXXX I called Synchrony to follow up since I had not received my refund check. I again spoke to a manager and was told the refund check was not requested. She stated I have 2 options 1 ) request the refund check on this date or 2 ) contact my bank and put in an unauthorized transaction form.

Completely unacceptable service and handling of my money. I opted for my bank to put in an unauthorization request form. This has put an extreme strain on my finances and and still now have another 10 days to receive my funds back into my account.
Product: Mortgage

I refinanced my mortgage that was with Community Loan Servicing and paid off the loan on or about XX/XX/2022. I got a letter saying that my excess mortgage payment would be refunded within XXXX business days ( XX/XX/2022 ). I called them on XX/XX/2022 to notify them that I had not received the check. At that time I was told that the check was for {$7000.00}. I was sent to the Customer Advocacy department. I spoke to someone who said she would get back to me within XXXX - XXXX hours. She did not and has not called back. Nor have I received anything from Community Loan Servicing except a letter showing the amount of the refund that I should have received. When I call the Customer Advocacy department the computer says that my issue has been resolved and does not allow me to speak to anyone. It has not been resolved. I have not received my refund and no one has been in contact with me. When I called back to the general number they are telling me to call back, in spite of the fact that the computer does not allow me to connect with an actual person. I demanded to speak to a manager. I was put on hold an hour ago and no one has come back to the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is an account that is older than 7 years. The account this is playing games and using lack of reporting is SYNCB/Amazon PLCC . In XXXX of XXXX, I had a 30 day late, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX a settlement, then XXXX they reported a CO. I have waited patiently for this to be removed. Due to Amazon not reporting any payment history and just the CO in XX/XX/XXXX they are reporting to the agencies that the 1st late payment was XX/XX/XXXX, therefore leaving the account on my report. I filed an dispute with all 3 credit reports, XXXX and XXXX removed the file cause they did their job. XXXX just sent them an inquiry on when the last payment was and they again said what they reported XX/XX/XXXX and didn't remove the file. According the Fair Reporting Act, accounts should be removed 7 years after 1st delinquency. This account should be removed and I'd like to formally report fraud and breaking Fair Reporting Act legal statues for XXXX and SYNCB/Amazon . I have a prior credit report, before they removed all the payment history showing the payment history from XXXX to XXXX. I supplied this document to all three agencies. Again 2 of them did their job and removed the file, XXXX is incompetent 's and breaking the FRA legal statue, but not doing their job and asking for proof of 2 year payment history.
Product: Checking or savings account

I paid for a hair braiding class. The services were never provided I never was sent a location. I tried to reach the merchant prior to the appointment through email, call and text all were ignored. I filed a dispute with my bank. They stated it was a valid transaction and was not going to reverse my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate bankruptcy filing that is currently listed on my credit report. I have never filed for bankruptcy, and I am requesting that you immediately remove this erroneous information from my credit report.

This information is completely incorrect. I have never filed for bankruptcy, and I have no intention of doing so. I have attached a copy of my credit report, Social Security Number, Valid ID and proof of address to this letter as proof that I am not the individual who filed for bankruptcy.

I am requesting that you immediately remove the bankruptcy filing from my credit report.

This inaccurate information is damaging my credit score and making it difficult for me to obtain loans and other forms of credit.

Impact on Credit Score : The presence of a bankruptcy filing on my credit report has had a significant negative impact on my credit score. My credit score has dropped since the bankruptcy filing was added to my report. This has made it difficult for me to qualify for loans and other forms of credit.

Request for Investigation : I am requesting that you investigate this matter thoroughly and remove the inaccurate bankruptcy filing from my credit report as soon as possible. I am also requesting that you update my credit score to reflect the removal of this erroneous information.

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine, and I have never had them. Its obvious an Identity theft and I am a victim. I am very sad that now I need to deal with it. I hope that situation with my profile will be changed soon as I want to have a baby and now because of this terrible fraud and crime I can not take financing ... Thank you for understanding and please remove these fraud accounts from my credit report
Product: Debt collection

When the company transfers the administration rights, the new administrator must give me a transfer notification no later than 15 days after the transfer effective date
Product: Money transfer, virtual currency, or money service

I sent money to the wrong recipient and was unable to receive what I sent back using Zelle in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently found 7 accounts are not belong to me and was fraudulent listed on my credit reports with XXXX, TRANSUNION & XXXX the accounts listed as : ( ( 1- ) ) Account Name : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX ( ( 3- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 4- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 5- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 6- ) ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX ( ( 7- ) ) Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / XXXX  at  XXXX    XXXX   I spoke wit Transunion and spoke with  XXXX -Supervisor and explained that I was aware of the glitch that occurred in  XXXX  and again early  XXXX . The problem that occurred i s TransUnions ', not  mine. I should have been notified prior to re-adding inquiries back to report, I did reach out in good faith asking that they are removed due to re-added illegally. As this is hurtin g my credit score an d adding hardship and my rights were violated by Transunion and victimizing myself. Please remove all of the inquiries permanently from my report
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer from my Wells Fargo Bank N.A. personal checking account for {$25000.00} on XX/XX/2023. Later that afternoon, I received a call from Wells Fargo customer support to verify that I had originated the transfer ( e.g. that it was not fraudulently initiated ). I confirmed those details over the phone, and this customer support agent informed me she had processed the transfer. 

By XX/XX/2023 ( three business days later ), the wire transfer was not showing in the destination account. I am submitting this claim on XX/XX/2023, since the funds are still not in the destination account. I called both Wells Fargo ( initiated ) and XXXX XXXX  ( receiving funds ). Wells Fargo indicated they had successfully completed their part of the transaction. XXXX informed me that Wells Fargo had not successfully released the funds. 

For additional context, I also sent another wire for ~ {$2700.00} to the same external account, which was available to me the following day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a potential fraud activity from accounts being opened in my name through XXXX and Transunion on XX/XX/XXXX and XX/XX/XXXX, that I did not speak to someone on these matters, I am a victim of identity fraud so I'm not understanding how was the system able to move forward with hard inquiries without calling me considering there is a phone number stated on all 3 of my credit files to contact me before any credit is being issued and this did not happen. So please explain XXXX and Transition how did this happen how are these creditors able to put hard inquiries on my credit report without contacting me here are the inquiries as followed : on XX/XX/XXXX received a fraud activity alert from XXXX for 4 accounts -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX received a fraud activity alert from Transunion on 1 Account XXXX
Product: Credit reporting or other personal consumer reports

On my XXXX and equifax has incorrect accounts and addresses on my credit reports that I have never been affiliated with