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

Subject : URGENT : Dispute of Fraudulent Accounts and Request for Immediate Action Dear Experian, I am writing to formally dispute multiple fraudulent accounts that have been opened in my name without my authorization or consent. These fraudulent activities have caused significant distress, and I demand immediate action to resolve this matter. 

I have reviewed my credit report, and I was shocked to discover that [ number ] accounts, all of which are marked as fraudulent, have been opened under my name. These accounts were clearly created without my knowledge or permission, and I categorically deny any involvement in their opening or management. This constitutes a clear case of identity theft, and I am fully prepared to take legal action if this issue is not resolved promptly. 

The following accounts are the ones in dispute : Account Name/Number : XXXX XXXX XXXX - XXXX I expect the following actions to be taken immediately : Investigation : A full and thorough investigation into these fraudulent accounts, including the verification of the identity of the individuals who opened them. 
Account Closure : The immediate closure and removal of all fraudulent accounts from my credit file. 
Written Confirmation : A written statement confirming the resolution of this issue, including details of the investigation and the actions taken to address the fraud. 
Accountability : If the fraud occurred due to negligence on your part, I expect an explanation of the steps you will take to prevent this from happening again in the future. 
Additionally, I demand that these fraudulent accounts be reported as fraudulent on my credit file to prevent any further damage to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

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

I submitted a letter to the XXXX and XXXX Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. WELLS FARGO DEALER SVC ********
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know these account. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
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 violate the Consumer Financial Protection Act ( CFPA ) Specifically Cash App failed to take timely and effective measures to prevent a address on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) Regulation E. These actions have significant inconvenience and financial losses, and I speak appropriate redress for these violations.
Product: Credit card or prepaid card

I incorrectly paid the wrong credit card company and they have not refunded the payment. They agree they owe me the money, but have not set any kind of a deadline or firm process for the refund. Citibank owes me {XXXX}. The payment was sent by XXXX XXXX on XX/XX/XXXX, I called Citibank on XX/XX/XXXX when I realized the error and they said the funds would be returned quickly, once it posted. I was called on XXXX by the customer service person who had taken my call the day before and she told me the payment had posted. She said a manager would review the issue and the refund would take 2-3 days. A manager did n't review for several days, but approved the refund. When funds did n't show up in my checking account, I called and was then told there had to be " an investigation '' that could take several weeks and once the " investigation '' was completed, it would take 2-3 days to refund the money.  Citibank does n't appear to have a serious intent to promptly return the funds. 
The credit card was paid from an account with XXXX XXXX and they opened case # XXXX on XX/XX/XXXX. They have not obtained any information to this point either. I do not wish to have this dispute drag on when Citibank has admitted they owe the refund.
Product: Payday loan, title loan, personal loan, or advance loan

i received a call from a XXXX XXXX ( XXXX ) with XXXX XXXX XXXX claiming i owed a payday loan to XXXX  for XXXX and that they have tried to send me information - which is false and that failure to pay this amount would result in me being served a civil XXXX XXXX 
i asked for XXXX and they sent me the creditors name and original account number but when i called XXXX  they said they don't do payday loans to Minnesota.
Product: Bank account or service

I opened an account at CASE, put in about {$100.00} then after a few months they transferred my money to a different account or something and then started charging me a fee. My wife went into the branch and they did n't know why the account type or transfer happened but would n't refund the fees so she took whatever was left in the account out and closed the account. Now the branch says I have to open a NEW account for them to give me back the money they stole ... I went there twice but they gave me the run around and the wait was too long. Regardless, the transferring of accounts feels like a scam, why did they do that, how can they do it legally? Why ca n't they just send me a check?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because an identity theft. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft SYNCB/TJX Account XXXX : XXXX This is not mine.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My consumer rights has been violated, looked over and not been taken into consideration. By Experian, XXXX and XXXX. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). 2/14/2023 I sent a certified letter to each bureau requesting them to verify, update and respond to me by mail with updates within 30 days with information that i requested. Each have failed to do so up to todays date which is XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of the XXXX XXXX Bank SS account on my TransUnion credit report, which was last reported on XX/XX/year>2022. This account has already been investigated, but the information remains inconsistent with both XXXX XXXX compliance standards and my rights under the Fair Credit Reporting Act ( FCRA ). 

Basis for Dispute : XXXX. Inaccurate Payment and Closure Dates : XXXX confirms this account as " Paid, Closed '' in XX/XX/year>. However, TransUnion lists the account with a last payment on XX/XX/scrub>, 2022, and still reports it as " Closed '' but retains conflicting historical data. 
This inconsistency violates FCRA 623 ( a ) ( 1 ), which requires furnisher to report accurate information.

Prior Investigation Results : This account was previously disputed, but TransUnion failed to correct or delete the information despite the apparent inaccuracies. As per FCRA 611 ( a ), I have the right to a reinvestigation when the initial outcome does not resolve the issue. 
XXXX XXXX Compliance Violations : Reporting the account with conflicting data regarding payment history and closure violates XXXX XXXX guidelines, which require uniform and accurate reporting across all bureaus.
Product: Credit card

I was browsing XXXX ' mobile application looking for hotel to stay for that night. It was my first time using the application. Somehow, there was a booked reservation on my account for that night. I called their representative right away explained that I was only browsing and I did not want to book that hotel. Long story short, the representative said that there is a XXXX ' logo on the mobile page and if I click on that logo, then XXXX automatically book that hotel for me for the night. There was no subsequent confirmation page before the booking goes through ; it automatically booked. Once the booking is done, there is no cancellation and no refund. 

The issue here is that I do not authorized the transaction. I was my first time using their mobile application and the method of their automate booking by tapping their logo is not fair and deceived. I think no average consumer would know that XXXX automatically book a hotel for you by clicking its logo - there should be at least a following mobile page clicking the logo to confirm my booking, but it was not the case here. In addition, I did not stay at that hotel and that hotel where XXXX automatically booked for me was very far from where I wanted to stay. I did not authorize the booking and I am writing to seek your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX added a collections to my credit reports on XX/XX/2023. The original creditor supposedly XXXX XXXX. I have tried to explain to the collection company that this is not my debt. They sent me " validation paperwork '' and I explained to them that it was not my address, email address or bank account on the paperwork. That my mail box was broken into several times and that this debt is not mine. I then filed a dispute with the credit bureaus and the credit bureaus said that the collection agency validated the debt, but how could they when the information is not mine?? I have attached what the collection agency sent and it is not my information. The credit bureau is incorrect in keeping this on my credit report because as I explained to them that it is not my address, email address or bank account. This is not okay because I have now been denied a home repair loan and will be fined by my XXXX. This debt could not have been validated by XXXX and XXXX because it is not my debt and does not match my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus.I need these inquiries verified and proof provided for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed Here are the companies and dates of occurrences : XXXX : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXXXXXX  XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

I contacted this company and the reporting agency because this debt has been reported over 7 years for one. Also they are reporting multiple accounts and fail to send dates of service or account numbers for each amount being reported. I have no knowledge of these accounts or amounts owed.
Product: Checking or savings account

Due to the nature and urgency of my concerns of fraudulent activity while opening my account at J.P. Morgan Chase Bank in XXXX XXXX, CA. I made an attempt to hand deliver the following letter and all XXXX XXXX Chase staff members refused to sign for the delivery. Therefore, I sent my correspondence via USPS Certified Mail. 

XXXX XXXX J.P. Morgan Chase Bank XXXX XXXX XXXX XXXX, Ohio XXXX CERTIFIED MAIL XX/XX/2021 RE : Authorization to Release Social Security Verification | Account XXXX Dear XXXX XXXX, I am writing to revoke the authorization to release social security verification form and the online application for checking account ending in XXXX. The reason being is the manner in which you obtained the authorization to release the social security verification form. It was in more of a furtive, conniving fashion which is not acceptable or professional. 

I dont recall ever having to sign this release to open a checking account for any financial institution and this document ( without preface ) was slipped in during our conversation in the process of opening my account. If you require to view or need a copy of my social security card, then all that you had to do was to ask for it. 

I also did not receive my login username to obtain copies of the account disclosure documents, nor did I receive any type of information related to my account. 

Regards, XXXX XXXX Hand Delivered to the Office of : XXXX XXXX | Chase Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Received on XX/XX/2021, in Person or in C/O by : Printed Name : ____________________________ Signature : ___________________________ CC : Social Security Administration, J.P. Morgan Chase Bank N/A XXXX Ohio
Product: Vehicle loan or lease

Had a loan through PNC bank for a XXXX XXXX XXXX, I never missed a payment. This guy offered me a crazy price for it so I figured Id just sell it and buy something new. Anyways the guy wired the money to pnc they excepted to money guy took the car, I still have the lien release thank XXXX I didnt give it to the guy because come to find out the money he paid with was stolen from someone else so pnc have to funds back. Now I have now car and theyre trying to make me and XXXX XXXX to pay for it when In al reality I wouldnt have let the car leave my house unless I had that lien release. -XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My idenity was compromised while serving in the XXXX. During this time the following inquiries were made fraudulently in my name. I request that these Items be removed immediately. 

1. XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a modification of my mortgage in XX/XX/2022 and sent in the first payment of the loan to Carrington Mortgage Services. The next month after it was recorded and second payment received they reported to the credit bureaus that I was in foreclosure and delinquent. The damage to my credit report was irreparable. They continued reporting this way for 2 more months. They are sending collection notices and trying to get me to agree to a short sale by email to avoid foreclosure when they receive and process my monthly payments. They are also submitting work orders to subcontractors to change my locks and trespass on my property.
Product: Debt collection

In accordance with the Fair Credit Reporting act Midland Credit Management Inc. 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 an account without my written instructions.

1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter 2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my wet signature.

6. Please provide a complete account history, including any charges added for collection activity.

7. Cease and desist as this is identity theft.

For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.