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

I am writing to formally notify you that I have been a victim of identity theft, resulting in fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue.

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report. 

Specifically, I am seeking the removal of the following unauthorized accounts : Collection XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX XXXX XXXX It is essential that my credit report reflects only accurate and legitimate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By pu
blishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
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 practices, Which violates The consumer Financial Protection Act ( CFPA ) .Specifically, Cash App Failed to take time in effective Measures to prevent and address fraud on their Platform, Leaving my Account vulnerable in unprotected furthermore their dispute resolution process was unfair in deceptive, as they did not comply with error 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: 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. 

Account name : XXXX  Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States 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 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 or prepaid card

Capital One has repeatedly ignored my pleas for help regarding 2 Capital One accounts opened in XX/XX/2015 fraudulently. I was a victim of Identity Theft in XX/XX/2015. Capital One was notified of this matter numerous times and simply ignored the fact of my circumstances and continued to report these cards as belonging to me. One card has a balance of XXXX opened on XX/XX/2015 and another card has a balance of XXXX opened on XX/XX/2015. A individual was identified as committing the identity theft with those accounts but Capital One did nothing to pursue the theft but refuse to help and continue reporting these accounts as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 5 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1.XXXX XXXX acct. # XXXX bal. {$13000.00}
Product: Debt collection

Contacted the credit agency XXXX XXXX XXXX via mail asking for the original Contract that was physically signed that I was in an agreement to pay the debt of {$840.00} to them. I received a letter back from the attorney representing XXXX XXXX XXXX ( XXXX XXXX ) Of credit card payments that are not mine. They never sent out the original contract with my handwritten signature agreeing to pay such debt to the creditor XXXX XXXX XXXX.
Product: Checking or savings account

I attempted to apply for a loan and the other person that I was trying to attempt to apply for the loan fraudulently deposited to counterfeit checks into my account the bank accepted the checks when they found out they were counterfeit checks they automatically put a hold on the checks froze my account then they returned the checks to the person who deposited the checks into my account my account is still froze I can not use my account for anything I can not pay bills withdraw money deposit money my bills are now late I am being charged late fees due to my bank refusing to pay my bills or close my account before XX/XX/2022 I am being penalized for someone else 's actions that sums it up to make a long story short this is not right to the consumer
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked inaccurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Disputes on my account have been updated but to only be added back with the original predator and collection agency.Frauds, inaccurate reportings, double jeopardy : deleted prior, Specifically speaking XXXX. Who sold it to CCS collection services which they deem they charge-off. 
Which I disputed and had it deleted. Also any payment, balance, charge off history reflecting XXXXXXXX XXXX and or its subsidiaries. Consumer Law Violation ( S ) exist under 15USC 1681 and 1682 Transactions and Experiences are ILLEGAL to Report between the CONSUMER AND CORPORATION OR PERSON. 
Also they have violated the exceptions outlined for reasons to furnish or report data without disclosure and or consenting consent.
Product: Student loan

I was pressured by this company stating that I HAD to sign up with them to be on the student loan forgiveness program and that if I did not do it now my payments would not be going to the forgiveness program. They also had stated on the phone to me that as I have worked for a non-profit organization for the last two years that they would be able to get it so those payments fell under my student loan repayment program. I was also told that it would be {$1300.00} in set payments over two years that the company would receive for annually filing the paperwork for me and making sure my payments were correct. They have also attached 20 % interest rate.ONLY after speaking with the Federal Department of Education did I realize this was a free service and could be done at anytime through them. I was never once told by the company that these things could be done directly through the department of education and I could file for the forgiveness program at anytime. I was also told they could consolidate my loans for me which would improve my credit score. Not only did their report decrease my credit score as it reported as a credit card which this is not. They could not consolidate my loans because that is something only the federal student aide program could do.
Product: Credit reporting or other personal consumer reports

I have three credit card I know nothing about I am in a XXXX  XXXX. I have asked many time for the approval from the XXXX XXXX Trustee that I an incure new debt. No letter has been provided. And a few more things are 2017 under the 7 year rule they should be removed. Please seen all documents. I attached to all three credit reporting agencies. I attached the suff that needs to be remover three credit cards XXXX XXXX .applied band .and credit first bank XXXX Should send me the approval for the XXXX  XXXX Trustee. And the two things under thev7 year rule are XXXXXXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

These people are calling me about a debt I never heard of. On top of that they say there is XXXX debt from 2007 and XXXX from earlier than that. XXXX past SOL, IF they were my debt to begin with. I want this company to cease and and all communication with me ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from this debt collection agency XX/XX/XXXX at XXXX am. 

My rights are being violated in several ways.

15 U.S.C 1681 602 A States I have have a right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish any account without any written instructions.

15 U.S.C 1692C states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

Credit control services, representing infinity insurance has violated the FCRA by not providing documents to me in regards to this debt.I am unaware of this creditor and have not recieved anything that pertains this debt.This account is unverified and imediately needs to be deleted from all credit files-XXXX, XXXX and XXXX.The bussiness is required to disclose to me all of the documents that they have recorded and retained in their files that pertrains to this debt.If Credit control Services does not have any documentation they need to retract this from my credit file immediate XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have my items deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as identity fraud and a violation of my rights which is punishable by state and federal law.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Checking or savings account

Wells Fargo Bank Abruptly and without any notifications deleted all payee account information from my corporate business checking account and has not restored any payee information for the past 2 months. 
Not only was the business account inaccessible for 3 weeks without any resolution despite repeated multi-hour phone calls, the missing payee and bill information stored in the account was promised to be restored over 3 weeks ago but nothing has been resolved. 
I am also concerned at unauthorized access to my bank accounts by both insider and outsider malicious entities at wells fargo as the missing payee history and their payments are highly confidential and proprietary to the business. The disappearance of the financial information was identical to a hack attack and wells fargo continues to deny it by admitting it was merely an error. However it is impacting business operations as well as record keeping efforts as well. 
Wells fargo employees tried to coerce me into committing illegal transactions by paying business expenses from my personal accounts instead. They also repeatedly and wilfully tried to dodge any responsibility for the account 's compromised state. I am getting repeated calls by wells fargo employees to allow them access to the compromised accounts but nothing seems to get fixed for over 2 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX 's XXXX pulled a hard inquiry without my approval. I authorized one inquiry to get a business credit card on 6/7/2023, but they pulled it twice without my knowledge or consent. I contacted them directly as well on XX/XX/XXXX. They told me I had to submit a dispute with the credit bureaus, which I did already. 

I authorized one inquiry with XXXX to open my credit card account on XX/XX/XXXX. However, XXXX pulled my credit THREE times from XXXX on XX/XX/XXXX which I did not authorize multiple hard inquiries in one day. 

XXXX pulled my credit TWO times in one day on XX/XX/XXXX which I did not authorize. 

On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX submitted hard inquiries without my authorization. They told me if I wanted to request an increase on my credit card it would be a soft pull and not impact my credit. I did not authorize these hard inquiries from XXXX XXXX. Please delete. 

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX submitted hard inquiries on my Experian credit looking to get me approved for a car loan. I did not authorize them to submit my credit multiple times. Please delete. 

On XX/XX/XXXX, XXXX submitted my credit to several banks trying to get me approved for an auto loan. I did not authorize them to pull my credit. 
On XX/XX/XXXX again XXXX, and XXXX XXXX XXXX on XX/XX/XXXX pulled my credit without my authorization attempting to get me approved for an auto loan. I did not authorize them to run my credit over and over. Please delete these inquiries
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C. 1681g I have the right to demand that you disclose to mee all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below in 30 days of receipt of this letter then you must remove these accounts from my credit report. I demand the following accounts be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX
Product: Money transfer, virtual currency, or money service

Cash App Money was not available when promised. And I could not reach a Person to talk with to address the problem.
Product: Checking or savings account

I went to the branch on XXXX and XXXX XXXX on XX/XX/year> to open a XXXX account. They opened the account but refused to give me a receipt with the maturity date, interest rate, and account number. I asked to have my money back because if anything happens to me, my family wouldnt even know that the bank has my money. They said they cant do that. I called XXXX and they said to call back on Monday to close the account, and today is Monday and they told me to wait another 5 days. They come up with new rules in their favor. Be aware when opening accounts with XXXX. You wont get any documents or your money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX THESE ACCOUNTS ARE REPORTING BALANCES AND PER FCRA THEY MUST BE DELETED WHEN REPORTING INNACURATE AND THIS BUREAU HAS DONT NOTHING ABOUT IT. 

INCORRECT NAME OF XXXX XXXX REMAINS ON MY REPORT INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of refinancing my loan with LoanDepot. In addition to pulling my credit report, they conducted a Fraud Investigative Report through DataVerify. The information in the DataVerify report inaccurately stated that I was foreclosed upon when I owned my condo in XXXX. This information is false and my credit report shows on-time payments and I have the pay-off statement from my bank/lender, XXXX, to prove this. 

I have repeatedly asked XXXX for a copy of my report and I explained that it was my right to receive a copy under the Fair Credit Report Act and that they are required to provide the name of the agency that provided the report. They refused to give me a copy of the report, stating that the report was proprietary information. I was finally able to get the name of the Fraud Investigation company, DataVerify, but XXXX did not provide the address and phone number or a contact that I could reach out to, so I could request the information in my report to be corrected. 

It would be very easy to verify from my former lender, XXXX, that I was never in foreclosure and that I always paid on-time. They can see there was no negative mark from XXXX in my credit report and they can call XXXX to verify the information. 

XXXX has not notified DataVerify that I want to dispute the incorrect foreclosure information. I want the incorrect information removed from my files in their report and I want a copy of the report. Please help.