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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate of Birth : XXXXSS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.6. Validate Account DEPT OF EDXXXX Account Number : XXXX Please investigate and delete from my credit report.7. Validate Account DEPT OF EDXXXX Account Number : XXXX Please investigate and delete from my credit report.8. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.9. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.10. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.11. The inquiry was not authorized XXXX XXXX Account Number : XXXX Please remove it from my credit XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.13. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting

I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In XX/XX/XXXX I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to the XXXX bureaus in XX/XX/XXXX 's correspondence dated XX/XX/2016, under FCRA 605B ( 15 U.S.C. 1681c-2 ) which states that bureaus are to block all fraudulent items within 4 days of receiving a ID theft report. XXXX of the bureaus duly complied and blocked the information within 4 business days. However your bureau instead treated my case as a regular dispute and put my file through the 30 day dispute investigation process and thereby you refused to accept my ID theft report and refused to block the information. This is a blatant violation of my rights FCRA.
Product: Checking or savings account

On XX/XX/year> I sent a XXXX transfer to a friend of mine that I had been paying every month in the amount of {$400.00}. The XXXX was never received and after probably XXXX complaints and hours on the phone and email correspondence I have received the final answer that nothing can be done. They say the transaction was successful and that I authorized this transaction. I have talked with my friend and her bank directly and they both confirm the XXXX transfer was never received at the account it was sent to. 

I am refilling this complaint for the same issue because even though I authorized the transaction the funds never reached the recipient. If the bank looks at the previous XXXX transfers they were all to the exact same person and same account. There were no issues until this XXXX transfer occurred. Even though I authorized a transfer they did not deliver the funds to the intended recipient. If they do not refund the {$400.00} that has been taken from my account and still not accounted for, I will be closing my Wells Fargo account as well as reporting them to the XXXX XXXX XXXX
Product: Checking or savings account

I have been a Navy Federal Credit Union member since I opened my first account in XXXX. The account was a checking account ending in XXXX. My spouse at the time was added as a joint owner. In XXXX we were divorced and he was removed from my account. I provided NFCU with the divorce agreement. A few months later money was taken out of my account using an ATM by my ex spouse. I went into NFCU and informed them of the withdrawal and they apologized and said it was an error but I was out the money. I did provide a copy of our divorce agreement again. As a result I opened another checking account and sparingly use the XXXX account and keep a minimal amount of money in it. 

On XX/XX/XXXX I was online and viewing my accounts and noticed XXXX was transferred to a credit card from my account ending in XXXX. I contacted NFCU about this and was told the money was transferred to my ex spouse - XXXX XXXX XXXX to his credit card to pay his minimum payment. I requested more information about this and was sent a document that listed all withdrawals from my account that went to XXXX XXXX XXXX XXXX credit card account with NFCU from XXXX totalling XXXX. I didnt notice these withdrawals sooner as I did not receive paper statements and when I would check online I did not see any suspicious withdrawals until XX/XX/XXXX. Money has not been taken out monthly or consistently, only when he did not make his minimum payment. as I mentioned I used this account sparingly, it was not my main account. 

I did request from NFCU to be reimbursed for the money taken from my account and they said it was not their error but mine for not addressing this sooner. So I asked for the XXXX taken on XX/XX/XXXX as I reported this to NFCU on XX/XX/XXXX but was told all they could do was to stop any further withdrawals. I have since closed this account. I was assured in XXXX after money was taken out of my account without my authorization this would not happen again. 

I was told the money taken out to cover the minimum NFCU credit card payment was set up in XXXX. I did not receive any documents showing the withdrawals prior to XX/XX/XXXX. I am not able to see this online. I did request more information about this situation and specifically have asked to be sent a copy of the document that I authorized money to be taken from my account to cover my ex spouses NFCU credit card. I have not received that document or any information as to how this was established. 

What I want : for NFCU to return to me all monies that was taken from my account and transferred to XXXX XXXX XXXX 's NFCU credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal Equifax credit report on XXXXNoticed that this unauthorized inquiry had been made : XXXX XXXX  XXXX XXXX. XXXX XX/XX/XXXX -XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX I contacted ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Product: Credit reporting or other personal consumer reports

According to the Family Educational Rights and Privacy Act my student education records are to be privately protected. Per the 15 U.S. Code 1681 ( a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, XXXX have violated my right to privacy by furnishing information to the Department of Education. In accordance with 15 U.S Code 1681 ( b ) permissible purposes of consumer reports my written consent is needed to add anything to my consumer reports. This is a violation of the Fair Credit Reporting Act. Any and all consent to the U.S Department of Education as well as XXXX, XXXX, Transunion whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. '' XXXX, XXXX, and Transunion are not maintaining reasonal procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

Continental XXXX  deducted my payment of {$620.00} twice from my bank account on XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Continental XXXX  to find out what occurred regarding my account. I spoke to XXXX. He did see their error and advised me that I needed to have a three way call with him and XXXX  XXXX XXXX so he could verify that these two payments were deducted from my bank account. The XXXX  XXXX XXXX representative gave him all the information he required over the phone. He stated that my account will be in order by XX/XX/XXXX. 
On XX/XX/XXXX, the account was still not updated. I contacted my bank institution, XXXX  XXXX XXXX to dispute the 2nd payment deducted from my account. 
Claim ID : XXXX. On XX/XX/XXXX, XXXX  XXXX XXXX advised that the dispute was resolved. 
On XX/XX/XXXX, I tried to use my credit card and it was declined. On XX/XX/XXXX, I contacted Continental XXXX, spoke to Customer Service Manager, XXXX who advised me that she updated account to ensure my entire available credit of {$750.00} would be available by XX/XX/XXXX. 
On XX/XX/XXXX, I checked my credit card account online and this issue still was not resolved by Continental XXXX. Called spoke to Customer Service Rep, XXXX who spoke to the Customer Service Manager, XXXX who also advised that she updated my account and that my account would be updated in 30 minutes from that call. Later that day, I checked my account once again, and still the account was not correct. I called back at XXXX XXXX EST and was transferred to Customer Service Manager, XXXX who advised that I needed to fax copies of my bank statement showing the two deductions. She gave me fax number XXXX and XXXX. I did fax the statement to both numbers as she instructed. It did successfully transmit to the first fax number ending XXXX. 
On XX/XX/XXXX, I once again tried to use my credit card and it was declined again. 
On XX/XX/XXXX, I called again and was unable to speak to a representative. I re-faxed my bank statement which also transmitted successfully. 
At this point, I do not know what else I can do to have this company correct this situation for me. I need for Consumer Financial Protection Bureau to intervene on my behalf to assist with correcting this problem. 
Thank you in advance for your prompt attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Transunion replied to me with their method of verification on two bankruptcies that they are reporting on my credit report. They stated that I needed to visit their website to find out the identity of their third- party vendor who verified the two bankruptcies ( see attached report ). I visited the website and found out that XXXX XXXX is the third- party vendor who Transunion claims to have verified the two bankruptcies as reporting accurately. However, XXXX website states to contact @ TransUnion in the event a consumer suspects their bankruptcy is not reporting accurately ( see attached ). Transunion states for the consumer to reach out to XXXX ( see attached ) So, really no one has verified these two bankruptcies that are reporting on my credit report. Transunion collects data from XXXX who is regulated under the FCRA and XXXX for public records who get their information from XXXX who does not report full social security numbers so again Transunion is lying. I reached out to XXXX and found out that as of XX/XX/XXXX, XXXX removed the two bankruptcies from their consumer report after their reinvestigation. So, clearly Transunion has NEVER VERIFIED these bankruptcies though XXXX or XXXX.
Product: Debt collection

Was charged {$500.00} dollars by XXXX XXXX and was sent to a collection agency ( Credit Systems ). I have lived in same residence for almost 25 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write this letter with deep concern and dissatisfaction regarding the responses provided by XXXX, XXXX, and TransUnion to my complaint. It is distressing to note that all three credit bureaus have failed to address the central issue raised in my initial complaint, revealing a lack of accountability and transparency in handling consumer complaints. 

As stated in my original complaint on XX/XX/2023, the core concern lies in XXXX XXXXXXXX XXXX XXXX failure to respond to a Debt Validation request within the mandated 30-day period. The supporting evidence of a certified mail receipt unequivocally proves the mailing and receipt of the validation letter. However, the credit bureaus ' responses exhibit a dismissive attitude towards this crucial matter, evading any meaningful acknowledgment of XXXX XXXX XXXX  untimely response. 

I must express my strong disapproval of such responses, which not only demonstrate a lack of diligence and adherence to an unbiased investigation but also undermine the integrity of the credit reporting process. Consumers deserve proper and transparent handling of complaints, especially when it comes to issues that impact their financial well-being. 

In light of this, I demand that the response to my complaint be submitted on the public portal accessible to all consumers. This measure is crucial to prevent the credit bureaus from concealing their inadequate handling of complaints by mailing the response instead of posting it on the portal and to hold them accountable for their actions. 

Transparency and accountability are essential pillars in fostering trust between consumers and credit bureaus. By publicly acknowledging and rectifying the shortcomings in handling my complaint, you will demonstrate a commitment to improving your services and upholding fair practices. 

I expect this matter to be promptly addressed since the inadequacy of their responses to the XX/XX/2023 complaint should not be counted against me. The delay tactics should not be encouraged by allowing even more time after an inadequate response. Furthermore, all responses should be posted on the portal in addition to the mail. But mailing the response should not be a substitute for posting the results on the portal. 

Please be advised that should there be any further failure to address my concerns transparently and adequately, I will not hesitate to escalate this matter to relevant regulatory authorities and consumer advocacy groups up to and including legal action. 

Your immediate attention to this issue is expected and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the account listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. This is a good standing account. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. Please update to PAID AS AGREED/NEVER LATE. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN EMPLOYERS : XXXX XXXX XXXX  XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I used to XXXX service through Wells Fargo to transfer {$180.00} for tickets and was scammed. I contacted Wells Fargo and they said there is nothing they could do. Im so disappointed, because I wouldnt even have used this service if I knew my own bank wouldnt back me up. This happened today XX/XX/2018
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, KJc. ) a to e quao 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 and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process XXXX  as untair XXXX  deceptive, as they XXXX XXXX XXXX' 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

Hi there! 

I would like to file a dispute with the Equifax. On XX/XX/2020, I sent a dispute asking to verify the information concerning the bankruptcy on my Equifax credit report. Equifax responded and verified this bankruptcy through information " obtained from local, state, and federal courts through a third party vendor, XXXX ''. Interesting, because on XX/XX/2020, I asked the courthouse to verify if they were reporting information to the credit bureaus to see if this was true. The courthouse stated that they did NOT report any information to the credit bureaus. Either directly, or through a third party vendor like XXXX. This leads me back to Equifax. If the courthouse did not send the information to the credit bureaus ( directly or indirectly ), how are they verifying this information? What method did they use? So on XX/XX/2020, I sent a certified letter to the Equifax informing them that they were reporting a bankruptcy on my credit report, that was not verified with the courthouse that they are reporting that they received the information from. They then AGAIN stated that all of the information was " verified ''. But how if the courthouse does not communicate with any credit bureaus ( XXXX is a credit bureau )? I find this information false, misleading, and should be removed from my credit reports! I have attached ALL of the letters to prove my statements.