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

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report, as they have been opened without my consent due to identity theft. As a victim of this crime, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed from my report.

In addition, I am notifying you that I am a victim of identity theft and requesting the immediate blocking and deletion of all fraudulent accounts and information related to the theft, as authorized by 15 U.S.C. 1681c-2 ( a ).

The fraudulent accounts I am disputing are as follows : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} I became aware of the breach of my personal information through the XXXX data breach, which exposed my sensitive data to unauthorized individuals. These fraudulent accounts have been identified as a result of this breach.

I request that you take immediate action to block and delete the fraudulent accounts listed above, and update my credit report accordingly. Please provide written confirmation of the removal of these items and any further steps I may need to take. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this issue. 

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

I was completely blindsided this morning when I discovered incorrect accounts on my credit report, with no idea how they ended up there. I checked my report like I always do, but this time, discrepancies appeared out of the blue. I even tried refreshing my browser, thinking it might be a technical issue, but the inaccurate accounts remained. Im asking that the documents Ive provided be thoroughly examined so that I can put this worry behind me once and for all.
Product: Debt collection

I am writing to formally dispute the closed XXXX account reported on my credit file, which was recently provided to me by your bureau. This account is not mine, and I assert that it is being erroneously reported under my name. I request its immediate removal from my credit report, as it is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., and relevant sections of U.S. Code.I tried to resolve this issue 2 times kickoff is reporting inaccurate information on my credit file as it is harming my future goals I have sent my ftc report and constantly contacted them to let them know this account doesnt belong too me .I am requesting that you investigate this matter as required under 15 U.S.C. 1681i, which mandates that a consumer reporting agency conduct a reasonable investigation when a dispute is raised. I also was never sent a XXXX bc for this account for it to be reporting on my behalf as a late payment Under the FCRA, specifically 15 U.S.C. 1681i, I have the right to dispute information on my credit report that is inaccurate, incomplete, or misleading. The XXXX account listed above is not an account that I opened, authorized, or maintain. I have not entered into any agreement with XXXX, nor have I had any business relationship with this company. This account does not belong to me and should not appear on my credit report.Pursuant to 15 U.S.C. 1681e ( b ) of the FCRA, consumer reporting agencies are required to maintain procedures to ensure the maximum possible accuracy of the information reported. .The inclusion of this incorrect account is a direct violation of the FCRA XXXX as it is both misleading and inaccurate. Furthermore, under 15 U.S.C. 1681c, accounts that do not belong to me should not appear on my credit file, and I request that you take immediate action to remove this incorrect information.Please be advised that under 15 U.S.C. 1681i, if you fail to remove this inaccurate account after conducting your investigation, you may be in violation of the FCRA, which could lead to further legal action on my part. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore The FCRA provides me with the right to seek damages for any willful non-compliance with the investigation requirements.As part of my dispute rights under the FCRA, I request that you provide me with written confirmation of the results of your investigation. Should this account be removed, I expect an updated copy of my credit report reflecting these changes. 
Please take prompt action and notify me of the outcome of your investigation within 30 days, as required by law.
Product: Credit reporting 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.

15 u.s.c 1681 section 602 a the right to privacy act united states 15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CLARK COUNTY COLLECTION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Checking or savings account

On XX/XX/18. I had deposited two checks into my personal checking account. One was my payroll check from my employer, the other was personal check from a friend. On XX/XX/18, I had gotten a notice that the account was going to be closed due to one or more deposited checks are suspected of being altered. I had suspicions that the personal check from my friend was not going to possibly work but I also had a direct deposit set up with my employer to this account and on XX/XX/XXXX, both my mobile app and the website said my that my direct deposit was never received and now they are saying I owe {$920.00}. I know I had over {$500.00} in that account before they closed it and my employer has not received any notification that my payroll check was returned. I know that anytime someone deposits any counterfeit or fraudulent checks that they are responsible for any overdraft that the account encounters but this is straight up fraud by the bank to get me pay more than I really owe and if that is the case, I will sue them on my own.
Product: Checking or savings account

Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX and  received the cash bonus of XXXX on XX/XX/XXXX. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account. I have also been charged a XXXX account fee for 7 months while said account was locked.
Product: Debt collection

This debt is not in my name. I never signed any paperwork for this account to orginal creditor or the debt collector. They can not provide any paperwork with my name on it. They list this as an open account and have been adding interest. I did not open this account. They threatened me when I tried to resolve the issue with the debt collector. I explained to them it was not mine and they refused to work with me at that point. I was provided paperwork of charges with no name on it.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX  XXXX Account # XXXX Balance {$230.00} XXXX Account XXXX XXXX Balance {$0.00} I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting VALIDATION of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
15 USC 1692g ( b ) states Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation.
Product: Credit card

I constantly call into the Bank of America to get a date change on my account so that I will be able to pay my bill on time. 

They will not change the due date, but charge me late fees constantly. 

I need for bank of America to change my due date so that I will be able to pay my bill on time. 

Best,
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Account report # XXXXhas violated my rights 15 U.S.C 1681 section 602 A.States i have the right to privacy Today card XXXX has violated my rights 15 U.S.C 1681 section 602 A.States i have the right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to the credit bureau the reasons why  XXXX   XXXX   XXXX  located in  XXXX   XXXX , MN should not be on my credit bureau. I sent this  XXXX  of  2016, It has been a year yet I have not received any feedback but yet this is still on my c redit report!
Product: Checking or savings account

I have tried to Cash checks and was denied at XXXX, XXXX XXXX They said that there is an issue with Telecheck. I owe nothing to them and have money in my checking account. I have the receipt from XXXX  showing that is what declined.

XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX  TN XXXX Check declined,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer under titl

e 15 c hapter 41 ; NEVER GAVE any credit reporting agency written consent to report anything on my consumer report 15 U.S Code 1681b ( a ) ( 2 ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. In light of these violations of my consumer I've sent certified mails to all three credit bureaus with track ing numbers to attest the validity of my claims. 

XXXX ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

XXXX ( Tracking # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

Transunion ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX 

In my attached files are copies of the law.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX, XXXX  AND EQUIFAX.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the cred
it reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for health credit and received a letter of denial on XX/XX/2023 for various inaccurate reasons along with a false credit score of XXXX. The creditor never examined my credit from any of the major credit services for the time stated above. On XX/XX/2023 I reached out to the creditor in response to the incorrect information I spoke on a recorded call with XXXX @ XXXX XXXX  inquiring about the false information she was unable to assist me, after being placed on hold for an extended time the call mysteriously ended at XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a request to remove an address that I no longer have access to and an employer that I no longer are employed with. I recently pulled my credit report both Equifax and XXXX are currently reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), TransUnionis required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and XXXX is obligated to investigate and correct or delete unverifiable data. 

Actions Requested : Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX XXXX XXXX is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX