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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX  Late/closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} - Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX  Late/Open XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : XXXX XXXX Late/Open XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All documents and/or actions are representation attempt to lawfully acquire information made accessible under government rule/act. None have I received ANY information or investigation results from the company ( s ) ( XXXX, XXXX, and TransUnion ). In XX/XX/XXXX credits reports are viewed online. Information is inconsistent and contains inaccuracies. 
XX/XX/XXXX Annual credit reports are viewed. Various inaccuracies, missing data, and incorrect items are noticed again. Website times-out frequently while using. The site requires many cycles of refreshing. I am unable to print viewed reports I used authentication to view because of unknown error, printing inaccessible. Authentication consists of unrelated questions about report content. This is very confusing and consequently leads to mistakes and unfamiliarity about identity verification. A disclaimer on the site mentions only being able to view the reports once. I panic. Luckily (? ), a glitch allows me to view reports the next day without authentication to prove identity. This is an identity risk and feels unsafe. 
In XXXX, the credit company ( s ) are contacted by phone and REMOVE items deleting incorrect data. Authentication is required once again verbally now and calls recorded. Representatives remove INCORRECT data ( names ) and CORRECT data during the call. However, incorrect names, incorrect address ( es ), and unreported data said to be fixed remains even after much time given to complete. 
( XX/XX/XXXX ) I mailed using XXXX  XXXX services, Fair Credit Reporting Act, Section 609 Letters to the company ( s ) XXXX, XXXX, and TransUnion. 
XX/XX/XXXX, Two-week notice of noncompliance ( Demand to Comply ) Letters mailed to acquire information and/or investigation results. Also requesting REMOVAL of ALL Negative Items, inaccuracies, and unverifiable information. 
XX/XX/XXXX, Fair Credit Reporting Act, Section 609 : Demand to Comply:30 Day Letters sent requesting all of my verifications, investigation results, and IMMEDIATE DELETION of ALL Negative Items, inaccuracies, and unverifiable accounts. To all requests I received NO RESPONSE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX DOB : XX/XX/XXXX SSN : XXXX To Whom it May Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer r
eport under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXX XXXX  Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : Dept of Education/XXXX  Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : US Dept . of EDXXXX Amount : {$0.00} Date Opened : XX/XX/XXXX Account Name : US Dept OF EDXXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : US Dept Of EDXXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Balance : {$180.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Balance : {$4300.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Balance : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Balance : XXXX Date XXXX : XXXX Account Name : XXXX XXXX Account Balance : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, Acct # : XXXX has violated my rights by reporting a late payment for XX/XX/XXXX. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Please update my XXXX XXXX XXXX XXXX XXXX Acct # : XXXX, account to Paid as XXXX Never Late. 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Balance : {$30000.00} Date Opened : XX/XX/XXXX The following Hard Inquiries reporting are unauthorized. Please remove from my credit report : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Thank You
Product: Credit reporting or other personal consumer reports

Submitted a dispute through XXXX. Account appears twice on my credit report, one under XXXX and again under Truist. Both accounts show charged off with the same account number and balances owed which is correct. Tried to get one of them removed through the dispute process but Truist and XXXX refuse to do so. Contacted Truist by phone and they said there is nothing they can do about it and I have to deal with both negative accounts until XXXX. I didnt realize that a company can switch names and report to the credit bureaus twice for the same account.
Product: Credit reporting

As of today, XXXX XXXX, XX/XX/XXXX I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all XXXX credit bureaus reports. I have not applied for any credit since XX/XX/XXXX. My credit reports should be free of inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring applications on my phone and noticed that my XXXX score suddenly dropped. I looked into why it had dropped as nothing should have caused that change and the other credit agency did not have a change. I noticed that XXXX suddenly started to report a closed account with negative history. They started to report Oportun XXXX account number XXXX installment loan under my closed accounts. This account does not belong to me, it was never on my credit report until XXXX. I contacted Oportun, they do not have a record in their system with my name and social security. I started the dispute with XXXX and have called them but they just inform me it is under reinvestigation. Again, this was ever on my credit report until last month and according to the XXXX it has been open since XXXX  In the past the credit agencies have mixed my name with a similar name which is noted on my credit report. I have been dealing with this for a few weeks and need to resolve as I am in the process of purchasing a home and this incident has dropped my credit score by XXXX points in just a month.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX ( late payment ) XXXX  XXXX XXXX XXXX # XXXX ( charge off ) -- {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The debt collector said on a recorded call that they " Would send the requested documents by certified mail ''
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft Kindly block and delete the account within XXXX business days as required by FCRA 605B 15 USC 1681c2. Please find the attached FTC reports and other relevant documents.
Product: Debt collection

XXXX is collecting a debt for XXXX XXXX XXXX without a tear-off form to dispute the debt per CFPB XX/XX/2021 law. 
XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX / XXXX Colorado XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns regarding zells 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EXPERIAN IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EXPERIAN CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
EXPERIAN DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE SOCIAL : XXX-XX-XXXX-NOT MINE. 

ADDRESSES : FL, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, FM XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXXNever lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXXI -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX   XXXX XXXX -- NOT MINE CERTIFIED CREDIT REPOR -- NOT MINE XXXX  CARD -- NOT MINE XXXX XXXX   XXXX -- NOT MINE
Product: Credit reporting

Experian is reporting a collection item that I do not owe the original creditor for. They will only mark it as " disputed '' when it should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT XXXX XXXX XXXX XXXX; I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under XXXX XXXX, WHICH I AM STILL UNDER XXXX XXXX PRESENTLY XX/XX/2019, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed dispute letters to experian disputing inaccurate information. But the only response i kept getting back from them was the generic email on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

I called them their response was that the dont know if someone was using my infomation. so i asked how can a account be opened and reported to them so easily but takes so much to dispute and all the operator could keep telling me was. I can start a dispute over the phone with her that i perfer not to do because i lose alot of my rights as a consumer. I sent in every document possible to prove who I am
Product: Checking or savings account

I called Synchrony Band customer service on XX/XX/year> and asked if I would get their advertised certificate of XXXX XXXX APY for XXXX  months if I funded my unfunded Certificate of Deposit account on that date. The Synchrony Bank agent stated that I would, and did not mention any qualifiers or any possibility that I would not get this advertised rate. ( This conversation is on file with Synchrony Bank. ) I immediately funded my CD account via ACH transfer that day, XX/XX/year>. When I checked my account XXXX days later, Synchrony Bank had only given me XXXX XXXX APY on my CD. It is apparent they lied to me about the interest rate I was to receive and thus subsequently cheated me out of several hundred dollars over the course of the XXXX month CD.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Fradkin and Weber is attempting to serve a Writ of Garnishment of Wages to my Employer for a debt that was incurred in XXXX  and I never received notice. I contacted their firm and spoke to XXXX XXXX to advise him I was never served with documentation of the debt. He then advised the process server served my neighbor in the building beside me who I don't know with the summons and complaint. Also, the address on XXXX  Case Search is a address where I never resided. A judgment was wrongfully entered entered against me on XXXX because service was not property effectuated. He also advised the balance {$1000.00}.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION and XXXX is reporting an inaccurate information/ account in my credit file. This is not my account and belongs to someone with similar name or information. The account is being reported twice in my credit file with XXXX. This is inaccurate reporting under FCRA rules/ laws. 
The Account is XXXX XXXX XXXX XXXXXXXX Account # XXXX There is other inaccurate accounts being reported as well. These accounts are over 7 years old. I requested for this inaccurate account to be deleted but XXXX. and XXXX have refused to delete this account. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I have a debt collection reporting on my credit that is not mines. This debt originated from a utility bill through XXXX in which I have never had services with them. This information appears to be frivolous due to potential fraud.
Product: Debt collection

In XXXX of XXXX I hired XXXX XXXX XXXX to apply a XXXX  monintoring unit on a car for a XXXX week surveillance. I was charged {$900.00} for this service and I paid {$900.00} for this service- {$150.00} for installation of the unit, {$150.00} for removal of the unit, and {$750.00} for the 2 week surveillance. My checks from XXXX  XXXX XXXX XXXX for this service are listed below : XX/XX/XXXX Check # XXXX {$300.00} XX/XX/XXXX Check # XXXX {$300.00} XX/XX/XXXX Check # XXXX {$300.00} On XX/XX/XXXX I received an email from XXXX XXXX  XXXX XXXX an invoice showing that I owed {$1900.00}. I attempted to communicate with XXXX XXXX XXXX inquiring about this statement, but never spoke to anyone. 
On XX/XX/XXXX I received another email from XXXX XXXX XXXX with another invoice but this time the invoice amount was {$1300.00}. Again I attempted to communicate with XXXX XXXX XXXX by phone, email, and text, but had no success. 
XX/XX/XXXX I received a notice from XXXX  XXXX XXXX XXXX XXXX showing that I owed {$1800.00} for services from XXXX XXXX XXXX. 
On XX/XX/XXXX I submitted all my documents to XXXX from XXXX  XXXX XXXX XXXX XXXX via XXXX. 
On XX/XX/XXXX I emailed XXXX again at XXXX  XXXX XXXX XXXX XXXX confirming that my account was closed and the issue dropped since I had not heard anything back from them. I never heard back from XXXX or anyone else at XXXX  XXXX XXXX XXXX XXXX. 
Then on XX/XX/XXXX I received a notice from Outsource Receivables Management stating that I still owe money for XXXX XXXX XXXX. I submitted the same info packet to Outsource as I had for XXXX  XXXX XXXX XXXX XXXX explaining that I owed nothing. My account was sent to collection. 
My credit score prior to this issue was at XXXX. At present my credit score is XXXX because my credit shows a delinquency for XXXX XXXX XXXX. I submitted dispute letters with each of the credit report agencies. I have a Financial Counselor from with XXXX XXXX XXXX XXXX working with me. I don't know what else to do.
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 XXXX 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 reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first 4 accounts do not belong to me, I have tried reaching out to credit reporting agencies to get this accounts off my credit report and nothing has happened, also XXXX was for my XXXX and I had perfect paymnt history and I traded it in for what I have now, I was never late on my XXXX and that reflects late on my credit report. I also seen many credit inquires an which I did not apply for credit with these companies. 

1 ) COLLECTION # XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$150.00} 2 ) XXXXXXXX XXXX  XXXX XXXX XXXX Account # XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Balance {$720.00} Closed 3 ) XXXX XXXX XXXX  Account XXXX XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Balance {$0.00} 4 ) XXXX # XXXX Individual Old Car Loan I traded in, but was never late this was my XXXX XXXX  # XXXX ( XXXX ) XXXX Individual Inquirers XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX RESIDENT VERIFY Tenant
Product: Credit reporting or other personal consumer reports

The following account i do not believe to be mine : XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an unauthorized inquiry on my credit report as a victim of a data breach. Pursuant to FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I ask that you block and delete the following inquiry from my credit file : Unauthorized Inquiry to be Deleted : XXXX XXXX XXXX Inquiry Date : XX/XX/year>