23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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, not 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 report 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 lam demanding the deletion of the accounts listed IMMEDIATELY! XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX Personal Loan Companies I have no knowledge of any of these inquiries that are reporting on my report ive called each bureau to correct this issue and do not get the help i need to take care of the matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX SSN # XXXX. Identity fraud : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The false accounts consist of a credit card at XXXX XXXX opened XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX accounts both in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$44.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX Original Creditor XXXX XXXX XXXX IN CO XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a letter asking for an investigation of inaccurate accounts shown on my credit report. I never received a response so on XX/XX/2020, I mailed another letter. Still no response so I sent another letter on XX/XX/2020. I STILL haven't received a response. It's been 6 months and I have written three letters!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Covid19 quarantine in XXXX county in XX/XX/2020, my household financial income was affected and thus I elected to enter into my XX/XX/XXXX XXXX proposed payment plan to help with making payments. I in effect closed my XX/XX/XXXX account and entered into a payment plan. At that time I was in need of paying my XX/XX/2020 minimum due in the amount of about {$32.00}. When applying for the payment plan which i was subsequently approved for, I understood from the text of the agreement that the XXXX payment would be optional since the first payment to be drafted was dated XX/XX/2020. This is what the application stated, however upon checking my credit report the following month, I showed 30 days late on my XX/XX/XXXX XXXX for missing my XXXX payment. Until i applied for this payment plan due to Covid19, I had Never Missed A Single Payment on my XX/XX/XXXX. i had paid my card on time for the previous 8 years, never missing a payment and going 30 days late. I disputed this originally in the spring and was told the dispute was " resolved by grantor '', however it still shows a 30 day late mark on my credit score. This is very important to me that I resolve this problem. I am currently enrolled in the above mentioned payment plan and pay each month a fixed amount to my XX/XX/XXXXXXXX. This dispute was corrected under my XXXX  credit report via XXXX XXXX on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown XXXX XXXX. Experian alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Experian including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Experian to advise them of the results of my debt validation request. 

I believe that Experian has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX and your urgent assistance to survive. Thanks
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several inquiries that I do not recognize or authorize. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inquiries and remove any that can not be verified as authorized by me. 

The disputed inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Since I did not authorize these inquiries, I request that you remove them from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information on my file. The items I need deleted are listed on files attached. 

I am a victim of identity theft and did not make the charges. I ask that all the items be deleted off my credit report. 

I reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks in advance for your time. 
- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, XXXX XXXX XXXX reported a hard inquiry on my XXXX Credit Report that I did not authorize. I sent them a certified letter on XXXX, XXXX XXXX to remove the unauthorized Hard Credit Inquiry.  While the unauthorized inquiry is still being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

after submitting the complaint against Experian, I received a call from them when it was not convenient for me, and I told them. They would not give me any contact information for me to call the back when I was at home with the information in front of me, again resulting with me not being able to file a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, not later than 4 business days after the date of the receipt. It has been more than 30 days and you are in violation of this law because I am a victim of identify 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 report 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, I am demanding the deletion of the accounts listed immediately. 

Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, Inquiry Date : XXXX, XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, I received my updated credit scores from XXXX, Transunion and XXXX. My FICO 8 scores are showing the following : XXXX  - XXXX ; Transunion - XXXX ; XXXX - XXXX. When I pull up the older version FICO scores from the credit bureaus for mortgages, I get the following scores : XXXX - XXXX ; Transunion - XXXX ; XXXX - XXXX. When I asked XXXX  why the big discrepencies in the scores, he couldn't tell me why other than every agency is different. If my XXXX is reporting XXXX, XXXX  and Transunion should at least be a XXXX on the FICO 5 and 4. I've been told my several creditors and mortgage lenders that if there's larger than a 20 point difference, it needs to be reported. This is an unfair practice that XXXX and Transunion is doing especially when I'm working hard to reduce my debt ratios and instead of it being rewarded, I'm being punished? How does that work?
Product: Checking or savings account

During the pandemic I had experienced hardship leading my bank account into have a large negative balance. I received a call from my bank ( Santander ) and I quickly started paying off my funds. I did a {$700.00} dollar XXXX transfer to my account but the money did not post, Santander had my money on hold it kept saying processing being that It hit the 60 day mark they closed my account but I had a deposit already made 5 days before closing! I will attach 1 of the 3 deposits confirmations below.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 6802 I was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which I was not given.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify all Hard Inquiries you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a ( FRAUD ) or ( FRAUDULENT ) Hard Inquiries. 

I was denied credit recently because of this my wife got sick because we couldnt secure the loan to help her health. She is barley hanging on at the moment I need this resolved asap.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I bought a money order in the amount of XXXX money order fromPLS check cashing at XXXXXXXX XXXX XXXX XXXX XXXX XXXX. That money order I mail at the post office same day a bought it. But my landlord informed me that they havent received it. I call PLS customer service and request that they cancel that money order are check if it was cashed and by whom. They are telling me to file an affidavit I need the get back that money to pay my rent I dont have no money to pay my rent.
Product: Credit reporting or other personal consumer reports

XXXX / Equifax XXXX XXXX neglect to report accurate address. They all 3 failed to update correct address.
Product: Debt collection

On XXXX XXXX XXXX I checked my credit report and found a debt collector called " Columbia Debt Recovery '', original creditor " The XXXX ''. This is not my debt. I disputed it with XXXX. I called the debt collector on XXXX, they are sending me a fraud packet via email.
Product: Checking or savings account

To whom it may concern, My name is XXXX XXXX. My phone number for Albert Bank is # XXXX. My Albert linked email address is XXXX. 

My husband XXXX XXXX referred me to Albert Bank in XXXX. There was a {$500.00} sign up bonus by his invite link. For the terms and conditions I need to have direct deposited my income to the Albert account for at least {$200.00} and spent at least {$100.00} by the debit card issued per month. I fulfilled all requirements and Albert didn't issue the sign up bonus. 

Also, I have referred my friend XXXX XXXX ( phone # XXXX ; email : XXXX ) and she successfully fulfilled all requirements. However, Albert refused to honor the bonus for her. Also if she gets a {$500.00} bonus, as a reference I should receive a {$500.00} referral bonus too. 

Albert told my husband XXXX said it is not a scam. However, Albert refused to honor their sign up bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

in 2014 my information was used at a hospital for treatment. I submitted a dispute with XXXX explaining that in 2014 i was in XXXX and couldnt possibly be in a hospital. XXXX did not complete an investigation to verify if i was in XXXX, only submitting to the collections company to verify my info. This investigation took longer than 30 days and i did not receive anything back. i called back requesting this be removed from my report and was told they are not allowed to remove data, the only thing they can do is submit another dispute. Agent XXXX # XXXX admitted to not investigating my claims.
Product: Credit card

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit for any purpose Self Lender
Product: Vehicle loan or lease

Since XXXX i been a victim of identity theft, since that time I have been receiving U.S. mail and phone calls regarding accounts being opened in my name. In XXXX I filed an identity theft report with the police department. On XX/XX/XXXX I became aware of a fraudulent account that appeared on my credit report with the name of Jpmcb Auto account number XXXX and realized that I had never applied for such an account so I filed an FTC report with the Federal Trade Commission, I filed an identity theft affidavit with the XXXX XXXX police department and filed Legal notices to cease and desist their activities and remove the fraudulent account from my credit report. I sent them everything required by law to remove the fraudulent account. My Drivers license and social security card with my current utility bill to validate my identity. I sent them a valid identity theft report from the FTC and police department which JPMCB auto, XXXX, and XXXX denied and claimed to be fake or invalid reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX XXXX XXXX  has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Product: Money transfer, virtual currency, or money service

Introduction : I am writing to file a complaint against PayPal regarding difficulties accessing my account and potential unfair business practices. 

Background : I am a former resident of the XXXX and established a PayPal account there. 
I recently relocated to the United States. 
I have a remaining balance in my PayPal account. 
Issue : I have attempted to access my PayPal account to avoid inactivity fees. 
However, I am experiencing repeated lockouts due to an infinite loop of security checks that fail to resolve. 
I believe this may be an intentional tactic by PayPal to prevent account access and incur inactivity fees. 
Request : I urge the CFPB to investigate PayPal 's practices regarding account access and potential inactivity fee manipulation. 

Additionally, I request the CFPB to : Determine if PayPal 's security protocols are unreasonably hindering legitimate account access. 
Investigate whether PayPal is engaging in deceptive practices to generate inactivity fees. 
Impose appropriate penalties on PayPal if these concerns are substantiated.