23daVinci/CFPB_Complaints huggingface dataset:
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  Dear, Experian Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This address belongs to someone else. Delete it from my report immediately. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). 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 ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX  - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumers did not make me aware of negative inquires before they submit to credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX put something from XXXX XXXX on my credit report without validating the debt. XXXX is not able to put anything on my report without going through the court due to a previous dispute. But at this time I do not owe anything to XXXX XXXX and XXXX XXXX failed to respond to me in a timely matter and is thus reporting inaccurate data on my credit reporting preventing me from getting a home. Thus I will be looking at taking the next step in legal action against both parties.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$250.00} XXXX XXXX opened XX/XX/XXXX Balance {$1100.00} XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place XXXX  TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a XXXX period for debt validation, I am requesting that you provide me with the following documentation within XXXX  days of receiving this letter : XXXX. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
XXXX. Copies of any signed agreements or contracts pertaining to the debt. 
XXXX. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON XXXX DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : XXXX. Investigate and verify the accuracy of the debt reported. 
XXXX. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX without prejudice
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX while waiting for my sons XXXX  XXXX, I recieved a call from a number showing Wells Fargo Security and answered and advised that a XXXX XXXX with XXXX XXXX had processed XXXX through XXXX and asked if I had given permission. I advised no. He then identified himself as XXXX XXXX a 24hr fraud monitoring officer who would help me stop the process and put the money back into my account. He then sent a verification code and then walked me through how to block her transactions and put the money back into my account. He then gave me a case number and his badge number advising he would speak with me in 24 hrs. When it was getting close to 24hrs, I walked into my local branch of wells fargo and advised them, the manager told me that they were busy and to call online fraud that it had been less then 24 hrs and they would try to stop the transactions. I called and filed complaint for each transaction as there were 3. I recieved claims. On XX/XX/XXXX I recieved letters dated XX/XX/XXXX from wells fargo advising that the money had been sent as asked and the claims were considered closed. I called XX/XX/XXXX speaking to XXXX who advised me the letters were correct and it was not fraud but a scam. I then requested to speak to or escalate my claim. I was told I would be contacted in 24 hrs as claims do not get delayed. I called again on XX/XX/XXXX as I had heard nothing and spoke to XXXX who transferred me to XXXX who advised me that there is 2 days to acknowledge the claim and they have 10 days to respond. On XX/XX/XXXX spoke with XXXX who advised that ultimately no claim had been filed and closed out the Executive Claim and to call customer care service. XX/XX/XXXX I called back Executive Claim and spoke w/XXXX " XXXX XXXX who helped and placed me on hold but ultimately was dropped. I called back and spoke w/XXXX who then transferred me to customer care and I spoke w/XXXX who then transferred me to higher supervisor XXXX who ultimately told me that the case is closed and there is no recourse and she would not take another claim, she then transferred me to customer advocacy but was disconnected on after over an hour on hold. There is a pending meeting w/local branch manager on XX/XX/XXXX.
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 U.S.C 1681. 
Account NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

I, XXXX XXXX, natural person/consumer/original creditor, noticed fraudulent accounts on my consumer reports in XX/XX/2021. The fraudulent and erroneous accounts prompted me to file a Identity theft report with the Federal Trade Commission in XX/XX/2021, which was mailed or faxed into XXXX, Equifax, and XXXX. XXXX received my report on XX/XX/2021, XXXX  received on XX/XX/2021, and Equifax received on XX/XX/2021. Pursuant to 15 usc 1681c-2 the consumer reporting agencies 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, not later than 4 business days after the date of receipt by such agency. The CRAs did not block the information and are in direct violation of my consumer rights! My reputation has been ruined with the banks and these companies are also in violation of 15 usc 1692j because they are furnishing false information. I intend on litigating give that these companies are both criminally and civilly liable pursuant to 15 usc 1692k and 15 usc 1611 for willful and knowing violation
Product: Credit card

I contacted the card company to ask about the annual fees. I was informed that I owed {$250.00} for the first year. I asked if there was an option to remove the fee if I didnt activate the card. The representative told me that it could not be waived and I had to use the card every 90 days or the account would be closed and I would owe {$250.00}. I activated the card per their instructions, called back to ask the same question and was told that the previous representative misinformed me. They stated that since I made the purchase I could not have the annual fee waived. I asked if I had the transaction reversed could they cancel the card and they said no. I ended that call. I tried using my card several days later and it was declined. When i contacted the card company they stated that the representative closed my account and they could not reopen it. I requested for it to be escalated and there are not any updates on correcting the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I reached out to Cashapp about a charge made by me. I realized the card saved on file with XXXX was reported lost and deactivated. However, I submitted and was under the impression that the charge wouldnt process and I would be able to update to pay. This old card has been inactive over 5 months. The payment processed but processed on Cashapp end on my current card. It concerned me because I didnt input the new card. I reached out to Cashapp and 15 minutes later, another charge came out without authorization. No one can tell me why. 

I am requesting this be investigated snd explained as well as be reimbursed my money. Two separate charges for {$2.00} each on XX/XX/XXXX, XXXX
Product: Credit card or prepaid card

I have American Express Purchase Protection benefit. I filed a claim on XX/XX/22 and uploaded documents XX/XX/22. I called on XX/XX/22 to note I didn't have the delivery date. From XX/XX/22 to XX/XX/22 I called several times to check on claim. Only to be advised it was being processed. On XX/XX/22 I called again to be advised they needed the delivery date. I immediately uploaded it. On XX/XX/22 I have received no phone calls, no emails or written mail in regards to my claim. I called and was told it denied. I was told the processing time was 21 days. I asked why it was denied and was not given a reason, only I could send is in a dispute. I asked to speak to a supervisor. I was on hold for 24 minutes to have the Customer Service say he could not hear me and disconnected my call. I called right back and got the same person. He said he tried to call me back with a phone number that is not my number nor has ever been in my profile. I was on hold for an additional 26 minutes and spoke to a supervisor only to be told my claim was denied because it was 93 calendar days, 3 days over the time period. After this ordeal and very upset at the process I chatted with American Express and asked for a email to send a written complaint. They gave me a address to mail complaints. I googled the address and it showed permanently closed. I chatted again explaining they gave me a wrong address. The only resolution I received was an apology for the problem. I feel this is totally unprofessional, frustrating and discourages customers to complete the process.
Product: Checking or savings account

I opened an account with Citibank in 2020. I applied for a business loan with the XXXX for the XXXX XXXX XXXX 2020. The money was deposited to my Citibank account. The Citibank closed the account as they mentioned I did not have to receive business loan on personal accounts. They said that they would return the money to the XXXX. As of now, I am still paying the loan and never had access to the funds. I called the XXXX, and they say no money was returned to them yet. Then, I called the Citibank to give me an update on when the money was returned, and if not returned yet. They do not want to provide any information. I sent them a written request 3 months ago, they still do not respond.
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 Account : XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX11000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX has violated my rights I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallt, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit card or prepaid card

FNB OMAHA ACCOUNT IS A FRAUDULENT AND 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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Product: Credit reporting

I recently requested a copy of my Experian credit report and found hard inquires that were placed on my report without my consent. I made contact with both the creditors and Experian to have these inquires removed and was unsuccessful
Product: Checking or savings account

XX/XX/year> : $ XXXX check from US Treasury mailed to XXXX XXXX XXXX XXXX SoFi Bank XX/XX/year> : check finally " found '' 22 days later & direct deposited into traditional IRA account ( XXXX ). Reason for delay still XXXX. 
XX/XX/year> : I requested $ XXXX of $ XXXX to be transferred from the traditional IRA ( XXXX ) to XXXX IRA ( XXXX ) via submitted form filled out by SoFi. 
XX/XX/year> : No transfer made, I followed up, SoFi claimed wrong form sent to me, had me edit and resubmit transfer request form XX/XX/year> : I resubmitted transfer request form to XXXX. 
XX/XX/year> : No transfer made, I followed up, SoFi asked me to wait XXXX more day. 
XX/XX/year> : SoFi transferred $ XXXX from traditional IRA ( XXXX ) to XXXX XXXX  ( XXXX ). 
XX/XX/year> : I requested $ XXXX to be transferred from XXXX XXXX  ( XXXX ) to SoFi checking account ( XXXX ). 
XX/XX/year> : No transfer made, no reason given from SoFi I need access to my money for housing purposes. This is an urgent matter adversly affecting me and my XXXX children. 

Spoke to multiple representatives and investments specialists and supervisors.
Product: Debt collection

Debt is not mine, I did not authorize it as I have and still have aTT. They never contacted me for approval on this account
Product: Debt collection

Ok so I recently discovered my identity was stolen and reached out to this collection company over XXXX times and told them it's not my account and it was opened fraudulent without my permission. They continue to report to credit bureau that's it's my account and not trying to remove. I reached out to the original creditor which is progressive insurance and spoke with the head of the fraud department and after there investigation they did find what I was saying was the truth and even wrote me a letter stating thus was fraud and needs to be removed from my name and credit report but the collection company won't listen to anything I've said and I've even sent them copies from progressive and still I get nowhere
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of fraudulent accounts on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the accounts would be promptly removed. I have previously sent a request for debt validation for several items listed on my credit file. However, I have recently received a response proclaiming the debt has been verified. I request a reinvestigation per FCRA 611 and that proper method of verification also be included with your response. Moreover, XXXX and XXXX no longer reports these accounts on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting these accounts on my report by your bureau. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this