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 I am demanding the deletion of the accounts listed IMMEDIATELY! Public Information Below is an overview of your public records and can include details of bankruptcy filings, court records, tax liens and other monetary judgments. Public records typically remain on your Credit Report for 7 - 10 years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed a dramatic lowering of  my credit score  by nearly  XXXX  points. When researching the cause of my problem, I noticed that an account that was discharged in my bankruptcy was showing past due with a balance. Also was reported was the utilization ratio and no notation regarding the discharging of my  Chapter   XXXX  bankruptcy. The creditor is  XXXX   XXXX   XXXX .  All of these factors caused my score to lower significantly. According to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), it is a violation of the CRA to report inaccurate and incorrect information on credit report. This error has   diminished any attempt to move forward to restore my creditworthiness.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of a [ XXXX, and XXXX on my credit report, which you previously verified as accurate. However, upon further investigation, I have discovered that the information was verified incorrectly. In your previous response, you stated that the information was verified with the court. However, after contacting the court directly, I have obtained confirmation that they do not report to you or any credit bureau for that matter. Enclosed is the response from the court supporting this fact. Therefore, your initial response verifying the item with the court was either an error or a misrepresentation of the facts. Either way, it does not comply with the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 16811 ), which requires accurate reporting by credit bureaus. I have a record from your bureau appearing on my credit report, and I have disputed this item with all three major credit bureausXXXX, XXXX, and XXXXall of which confirmed the record was verified by you. I request that you provide clarification on the procedure used to verify records with the credit bureaus. Additionally, I demand that you delete the inaccurate [ Public Record Name/Reference No. ] from my credit report immediately, as it is damaging to my creditworthiness and financial reputation. Please provide written confirmation once the record has been removed from my credit report. I expect prompt action on this matter and will continue to monitor my credit report to ensure that the necessary corrections have been made. Thank you for your attention to this matter. Sincerely, [ XXXX XXXX ] Enclosures : [ Include any documentation, such as the court 's response, supporting your dispute ] Ensure to include your personal details and any relevant documentation to support your dispute. Sending the letter via certified mail with a return receipt requested can help ensure it's received and processed promptly by the credit bureau. I am writing to dispute the bankruptcy information listed on my credit report. According to my records, there is an inaccurate bankruptcy filing listed on my credit report. I request that you investigate this matter and remove the bankruptcy from my credit report as soon as possible. Here are the details of the inaccurate bankruptcy information : Enclosed are copies of supporting documents that prove the inaccuracies in the bankruptcy information on my credit report. These documents include [ list any supporting documents you are enclosing, such as bankruptcy discharge papers, court documents, or letters from creditors ]. I kindly request that you conduct a thorough investigation into this matter and update my credit report accordingly. Please provide me with written confirmation once the bankruptcy information has been removed from my credit report. Thank you for your prompt attention to this matter. If you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX balance and I want all these accounts to be removed immediately of my credit report on XXXX, Equifax and XXXX. Because they all are reporting closed with XXXX balances!!
Product: Credit reporting or other personal consumer reports

When I examined my credit report, I found that certain details were incorrect. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is essential for the three credit bureaus to verify these accounts. Failing to validate this information within the legally mandated timeframe without substantiating evidence is not permissible. The accounts listed on my credit report require investigation and correction due to inaccuracies in reportings : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX 's National Consumer Assistance XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear XXXX Hi, I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent. According to Section XXXX of the XXXX, I would totally appreciate if you kindly provide me the permissible purpose, proof that I initiated these inquiries. In addition, written authorization for all inquiries listed on my credit report. If you have NO PROOF, please delete these inquiries immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX NA | XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide a permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. According to my research, under Section XXXX. Permissible Purposes of Consumer Reports XXXX XXXX. XXXX ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under XXXX XXXX.? XXXX, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. The following companies did not have permission to request my credit report : { multiacct } Once again I demand the removal of these unauthorized inquiries immediately. Please send me an updated credit report to my address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and written to dispute these fraud items on my credit report and I have let them know that his information is incorrect. The following accounts are listed incorrect 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

THIS IS THE SECOND REQUEST TO REMOVE inquires on my report that I did not authorize. Please REMOVE/DELETE these inquiries IMMEDIATELY : XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Experian Report # XXXX XXXX Dated XX/XX/XXXX My legal name is XXXX XXXX XXXX Correct my name on your Experian Report to include the hyphen. ( - ) Specific complaint : CONSUMER REPORT VIEWS/ SOFT INQUIRIES Page XXXX of XXXX. 
Question XXXX. When did I give permission for EXPERIAN to allow the soft pulls? 
Question XXXX. Why are phone numbers missing? 
Question XXXX. Identify the source that initiated the soft inquiry and permissible purpose given to EXPERIAN to permit the entity to look at my information? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Question XXXX. Why is XXXX on the EXPERIAN report? Who from the XXXX is attempting to use my Social Security number in connection with credit? 

General Complaint I had previously requested Experian to not allow soft pulls on my credit report and to keep my report under security freeze until such time in writing I instruct them to remove my credit report. Experian is continuing to allow invasion of my privacy without my knowledge or consent. In addition, I had previously asked for an explanation about the multiple name ID 's and Geocodes that were appearing on the addresses which was never explained?
Product: Credit reporting or other personal consumer reports

All XXXX asking for is the removal and blocking of these incorrect accounts from my report as soon as possible. I just want this to be done so I can be free from the stress this has been causing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX  on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Experian & CPFB I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. And Proof of my Identification that was Used.

THIS IS THE 17TH TIME IM ASKING EXPERIAN TO CORRECT THIS ISSUE, THEY HAVE FAILED ME ALSO I HAVE FRUAD ALERT. NOT ONE PERSON CALLED ME TO VERIFY THESE ACCOUNTS BEFORE OPENNING. I BEEN OUT OF THE COUNTRY FROM XXXX. 
I HAVE BEEN FIGHTING THIS IN WRITING AND ONLINE FOR YEARS. I HAVE BEEN VIOLATED AND MY CREDIT RIGHTS HAVE BEEN VIOLATED. AND EXPERIEN WHO SUPPOSE TO PROTECT CLIENTS HAS FAILED ME AND MY ATTORNEY AND IS ONLY REPORTING A SCAM COMPANY AND ACCOUNT. 
THE OTHER CREDIT REPORTING COMPAINES SAW THIS WAS FRAUD AND REMOVED FROM MY CREDIT FILE MANY YEARS AGO, Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed 3x on my report XXXXXXXX XXXX XXXX XXXX XXXX} As proof of my identity, I have been sent to Experian 17 times of my birth certificate, Social Security card, passport, drivers license. 
ATTENTION EXPERIAN IS WELL PASSED THE 30 DAYS ITS BEEN OVER 4 MONTHS, AND THEY KEEP GIVING THESE COMPANIES EXTENTIONS. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Please do not share my Personal information or Identification with any company, those companies I have been fighting to prove my Innocence for many years. The following accounts was FRAUD when I was out of the country. 
I have been going back and forth with these companies for years, many of them have sold the accounts after it was proven many times it was Fraud. They Illegally sale the accounts and it starts all over again. 
Sincerely, name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I AM FILING THIS CFPB COMPLAINT TO REQUEST PURSUIT FCRA 605B ( 15 U.S. Code 1681c2 ) THAT YOU THE TRANSUNION REPORTING AGENCY BLOCK INFORMATION ON MY CREDIT REPORT THAT IS AN RESULT IN IDENTITY THEFT AND FRAUD WITHIN 4 DAYS OF YOU RECEIVING THIS COMPLAINT. I HAVE SEVERAL ACCOUNTS ON MY REPORT SUCH AS AUTO LOAN STELLANTIS FINANCIAL, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. THSES ACCOUNTS HAVE ADDED FRAUD ACCOUNTS AND ALSO INQUIRIES SHPWING ON MY CONSUMER XXXX CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XX/XX/1976 XXXX To whom it may concern at cfpb My private information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items delete it from my credit report effective immediately Im attaching proof the XXXX has admitted that I was in fact, a victim of this data breach, and XXXX has done nothing, please delete these illegal accounts from my credit reports immediately you find all the information below that needs to be removed immediately Addresses XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, North Carolina, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, North Carolina, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Employment XXXX  Retired Breached accounts XXXX XXXX {$2800.00} XXXX XXXX  {$630.00} XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX {$240.00} XXXX {$770.00} XXXX XXXX XXXX {$740.00}
Product: Credit reporting

I was hired by XXXX and two days after being hired, and doing work for XXXX, was told I had to be sent home because I had apparently falsified something on my application. I was provided a copy of my consumer report from GIS, the company that runs the reports for potential employees, and discovered XXXX issues : Another person 's name, " XXXX XXXX '' was under my SSN, and also my criminal history was being held against me as being falsified for not supplying any information ( their online application did not ask me to submit my criminal history, just to consent to a background check, and on my consumer report this is listed as " not provided / non-applicable '' ). I was told I had 5 days to dispute these findings, but was notified by XXXX that I was already terminated based on these findings before any disputes were even reviewed. I faxed GIS a dispute form with a copy of proof of identity ( my Social security card ), and mentioned several times the application process never requested my criminal history ( all of which was disclosed at the interview anyway ). It has now been 5 days, and I have not heard back from them and I still do not have a clear answer from either GIS or XXXX as to what was " falsified '' on my application, so my attempt to prove or disprove anything within the report is speculative at best. I have faxed, called, and emailed both companies at several levels, and still received no explanation for what they believe was falsified, and have been told multiple times that I am already terminated because of information found in my Consumer Report provided by GIS, despite the review process not even being completed yet. This is against my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

I was scammed while using XXXX. I transferred money for a purchase and was not given proper warnings of potential scam/fraud and as a result, did not get my money back and my bank ( Wells Fargo ) didnt do anything to resolve the issue.
Product: Mortgage

My mortgage was put in forbearance for the Months of XXXX, XXXX and XXXX without my consent. I have being trying to get this matter resolved since XXXX with no success. I have being requesting documents from Wells Fargo since the beginning of XXXX to end my forbearance and as of XX/XX/XXXX I have not received them. I have made several calls to customer service requesting these documents and is told they have been mailed and a notary will contact me. I feel like I'm being lied to each time I call. It should not take over 2 months to mail documents to end a forbearance. I talked to an XXXX on XX/XX/XXXX who assured me the documents would be mailed that day. I followed up today, XX/XX/XXXX only to find out the code to end forbearance had not been entered in the system and the documents have not been mailed. I resumed my mortgage payments starting XX/XX/2020.
Product: Checking or savings account

Firstly, I am impressed with the ease of using your website to file this complaint. Thank you. 

Second, I must apologize for my selection of categories for my issue because none of the categories accurately reflect the nature of my issue. 

Finally, on XX/XX/2019, PayPal delivered a Notice of Policy Updates. The Notice indicates that I will need a " balance account '' linked to my current PayPal account due to " a new regulation issued by the Consumer Financial Protection Bureau in Washington, D.C. coming into effect on XX/XX/2019 ''. 

After an hour or so of searching the CFPB site as well as the broader Internet for " balance account '', " PayPal Cash '', " cfpb cash account '', " cfpb paypal '', etc. I have only come across one article describing a consent decree resulting in a $ XXXX settlement, which unfortunately has nothing to do with this " balance account ''. 

Additionally, due to my limited literacy in financial legal terminology, I must concede that I am left with the impression that PayPal may have taken some obscure ruling of yours to automatically open an account for me ( " PayPal Cash '' ) without my active consent by the wording " If you agree to these changes, you dont have to do anything. ".
Product: Credit reporting or other personal consumer reports

I just looked at my credit report on XX/XX/year> and noticed that some of the information is incomplete or inaccurate 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. The accounts listed below are not complete and accurate : XXXX XXXX ( account # XXXX ) The opened date is not accurate, payment status is incorrect, High credit is not reported correctly, date last active and date of last payment is incorrect. 

XXXX ( Acct # XXXX ) Date late active is inaccurate XXXX ( Acct # XXXX ) Date opened is incorrect, date last reported is inaccurate and High credit and credit limit is not reporting accurately. 

XXXX ( Acct # XXXX ) The date opened is inaccurate, High Credit and credit limit are not correct, and date last reported, date last active and date of last payment is inaccurate XXXX  ( acct # XXXX ) The date opened is inaccurate, the date last active and date of last payment is not reporting accurately. 

XXXX XXXX XXXX ( Acct # XXXX ) The credit limit, past due, last reported date, date last active and date of last payment are all not reported accurately. 

XXXX XXXX Acct # XXXX ) The date opened, the high credit and credit limit are reported inaccurately. The date last reported in inaccurate. 

XXXX ( Acct # XXXX ) The date opened in inaccurate. The high credit, date last reported, date last active and date of last payment are all inaccurate. 

XXXX XXXX Acct # XXXX ) The date opened, high credit and credit limit are all inaccurate. The Last reported date, date last active and date of last payment is also reporting inaccurately.