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

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX XXXX XXXX XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX  XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 
XXXX XXXX XXXX | XX/XX/2020 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue concerning the reporting of my XX/XX/XXXX mortgage payment to XXXX XXXX XXXX XXXX XXXX XXXX I submitted my payment in full ; however, due to the early closure of XXXXXXXX XXXX for the holiday, the payment was not processed in their system until XX/XX/XXXX. This delay in processing resulted in the payment being erroneously reported as 30 days late on my credit report. 
I have contacted representatives from XXXX, who confirmed that payments made during the holiday period may experience delays in posting. Delays in posting payments during this period are not uncommon. XXXX was closed on XX/XX/XXXX. Therefore, if no staff were available to process payments during the holiday closure, any payments submitted during this time would be processed retroactively on XX/XX/XXXX. 
Given that the payment was submitted within the prescribed time frame and was delayed solely due to internal processing issues within XXXX XXXX, I respectfully submit that it is unjust to penalize me for a payment that was made on time.
Product: Debt collection

This company is reporting a debt that doesnt belong to me and Ive made several attempts to get it removed.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Early Warning Services , LLC ( EWS ) for failing to comply with the Fair Credit Reporting Act ( FCRA ) and providing me with false and misleading information. 

On XX/XX/year>, I submitted a formal identity theft dispute to EWS, complete with all required documentation, including a police report, FTC Identity Theft Report, notarized identification, and a comprehensive statement. EWS confirmed receipt of this documentation and stated that they would block the fraudulent entries in accordance with the FCRA. Under 15 U.S.C. 1681c-2, EWS is legally obligated to block fraudulent information within four business days of receiving the dispute and required documentation. 

On XX/XX/year>, EWS sent me written confirmation that the requested information had been blocked. However, that same day, I applied for a checking account at XXXX XXXX and was denied due to negative information on my EWS consumer report. This denial demonstrates that the fraudulent entries were not, in fact, blocked as claimed by EWS. 

In addition to failing to properly block the information, EWS employees provided conflicting and false guidance. XXXX XXXX and XXXX told me that I would need to wait an additional XXXX days after the confirmed block date for the information to be fully suppressed. This is in direct contradiction to the FCRA, which requires blocking to be completed within XXXX business days from the date of receipt, not an additional waiting period. The provision of incorrect and misleading information further delayed resolution, caused unnecessary stress, and resulted in additional harm. 

EWSs actions constitute multiple violations of the FCRA : Failure to Block Information Within the Required XXXX Business Days : Despite receiving all required documentation and confirming that the fraudulent entries were blocked, EWS failed to effectively suppress these entries from being viewed by third parties. This noncompliance directly violates 15 U.S.C. 1681c-2. 

Providing False and Misleading Information : By advising me that the block would take additional days to take effect, EWS representatives misrepresented their obligations under the FCRA. This misinformation prevented me from addressing the issue promptly and caused further financial and emotional harm. 

I respectfully request that the CFPB investigate this matter, ensure that EWS is held accountable for these violations, and work to ensure that no other consumers are subjected to similar delays, misinformation, or failures to properly block fraudulent information. 

Sincerely, XXXX XXXX
Product: Credit card

I had my credit card number changed XXXX over the last year by the issuer for fraud prevention. The automatic payments I had on the old card numbers were apparently going through, with no alert or issue, even though those old card numbers were supposed to be inactive. The issuer never issued a statement of any kind on these charges. The oldest number was changed in XX/XX/XXXX. On XX/XX/XXXX the issuer moved XXXX of these charges to my current account with the note " MOVE DEBT FROM FRAUD ACT '' for a total of {$1400.00}. I have no way of knowing if the vendor, date or a way to verify these charges. I called the issuer and they refuse to take these charges off even though they can not give me a statement as to who billed and when. They simply label the charge " MOVE DEBT FROM FRAUD ACT ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous endeavor to tell you that there are erroneous accounts within my Credit report file. The accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once. 

Here are the aforementioned accounts : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$530.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$5400.00}
Product: Student loan

Navient bought a former private student loan that I had with XXXX XXXX. Navient is trying to get me to pay way more than I actually own on this debt. My XXXX balance is now XXXX. How is that possible? Navient now wants me to enter into a 16 year contract to pay off this new balance. In addition, Navient used XXXX different collection companies to harass me by calling me at my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I have been attempting to initiate a XXXX transfer from sofi XXXX XXXX XXXX XXXX to XXXX for near three weeks. Initially theyve rejected my transfer due to reason that dont fit SEC guidelines, nor were the excuses even applicable to my account or transfer. They have been misleading me and are now pretending that they have not received the information sent to them by XXXX. 
My primary concern is that despite having share lending off that they can not locate my shares to transfer and are misleading me.
Product: Debt collection

Judgement filed. I disputed the charges and the company has dropped the case due to lack of documentation and proof that the card was used. XXXX credit
Product: Credit reporting or other personal consumer reports

Someone has fraudulently tried to open accounts in my name. There are inquiries on my XXXX XXXX XXXX and Chex Systems that need to be addressed immdeiatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN INFORMATION SOLUTIONS INC. has been illegally reporting on my consumer report negative items without my written consent and therefore has destroyed my reputation in doing so. No written consent is Identity Theft according to 15 U.S.C 1681b.
Product: Credit reporting or other personal consumer reports

The resolution Im requesting is a swift removal and blocking of these inaccurate accounts from my credit report. Im eager for this to be addressed so I can find relief from the stress this error has caused.
Product: Credit card or prepaid card

XXXX dispute ID XXXX They're ruling against me for charges that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX with TFS ( Toyota Financial Services ) in XX/XX/XXXX. In XX/XX/XXXX, the vehicle was in an accident and was totaled. The lease amount was paid off in full by my insurance company, XXXX, on XX/XX/XXXX, but TFS reported that my XXXX and XXXX payments were 30 and 60 days past due respectively. Then payments later in XXXX were reported as charge-off, despite the account being paid in full by XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

On XX/XX/2018 i submitted a dispute to XXXX  for First Hawaiian Bank in which i have no idea where this account originated from. I also mailed First hawaiian on XX/XX/2018 to validate this said account. I never received any response from either and followed up on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have yet to received any correspondence in regards to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gotten emails from XXXX. XXXX and Experian starting XXXX stating I applied for multiple credit cards through companies including XXXX XXXX and XXXX XXXX. I thought I put a freeze on my credit reports with XXXX, XXXX, and Experian but I am still getting emails from XXXX XXXX about new credit cards. The person doing this is continuing to do it and nothing is happening to protect me. Ive contacted all 3 major bureaus about this issue and they havent done anything besides dispute the credit cards from my reports. They continue to pop up on my report, the person who has my information just spent XXXX $ on a XXXX XXXX XXXX  in my name. I contacted XXXX XXXX and they ensured me the card would be removed from my name and the account would be closed, neither has happened. This is very stressful because Im worried the person stealing my identity will continue to do so and move onto my things like my 401k, taxes, and even my bank account. There is also another persons address on my reports, i just want this to be fixed before its too late.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXXXXXX Balanced Owed XXXX {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

These inquiries are on my experian credit report and I don't recognize them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  mother who is trying to refinance a mortgage right now so that I may have a roof of my families head, but my mortgage is too expensive. If I refinance my housing payment will be much more affordable as I have been financially impacted due to covid-19. My mortgage broker recently contacted me stating that I would not be able to refinance my home ( {$1000.00} a month difference ) because of inaccurate information left on my credit report ( s ) by XXXX XXXX for child support. I am current on my payments, never have been late. Any late payments listed are inaccurate and should be deleted right away. I am complaint to the CFPB because I am being given the runaround by XXXX stating I should file a complaint with the bureaus, which is not correct. The bureaus are the ones who publish the information that is reported to them by data furnishers such as XXXX. I am requesting that Experian, XXXX, and XXXX investigate my file as I am disputing the attached items and XXXX should correct the reporting right away that it has sent to the bureaus before a lawsuit indeed is filed, which XXXX will be required to pay my legal fees for inaccurate credit reporting. I do not care if XXXX is a government agency, this is my 30 notice of intent to file a lawsuit. Alternatively, the negative information needs to be deleted before all parties including the bureaus are involved in a lawsuit pursuant to the FCRA. Kindly consider this my request to remove this inaccurate information I have never been late. This is causing me a lot of stress and anxiety and I do not know why I must spend so many countless hours trying to fix the mistakes caused by all the parties listed on this complaint.
Product: Debt collection

Total amount due from the original company ( XXXX ) was XXXX upon disconnection including 3 % sales tax ; however, XXXX has informed On Line information services that I owe {$970.00} dollars whom has stated in a letter that On Line services has no duty to provide verification of the debt.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain items from my credit file. I am a victim of identity theft and have identified multiple accounts and inquiries on my credit report that I did not apply for. I have attached a Word document outlining the specific items that I believe need to be deleted.

In accordance with Section 605B of the Fair Credit Reporting Act, I respectfully request that these fraudulent items be blocked from my credit report. I have also filed a report with the Federal Trade Commission regarding this identity theft, and I have enclosed a copy of that report for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$690.00}, XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$120.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple years ago I became aware of identity theft or some other type of fraud that involved the use of my identity in which to create credit accounts and debt which were not mine. I had contact the CRAs and Barclays in order to get the issues cleared up. Barclays has refused to remove data pertaining to account ( s ) which were allegedly incurred by myself but were not. They were a result of ID theft as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Barclays seems to be ignoring these pleas from me to correct the issues. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me XXXX and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Barclays ignores me and continues to report this undue negative data on my personal credit reports. They have attempting to call and harass me and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!
Product: Debt collection

Received a letter from Eastern Account Systems stating that I owe XXXX to a dentist. I owe the debt so I paid on XX/XX/23 XXXX thinking that the issue was resolved. I checked my bank account and saw that they took the XXXX out three times, once on XX/XX/23, again on XX/XX/23 and again on XX/XX/23. Ive called them three times and have only received one credit back in the amount of XXXX. The last time I called they said that a supervisor would call me back. Ive heard nothing from them for a week. The person I spoke to said that it wasnt their fault that I paid three times.
Product: Debt collection

Was a co signer on that vehicle and they took this off of my mother 's credit report and still showing on mines!
Product: Credit reporting or other personal consumer reports

This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

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

The Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states that consumer reporting agencies have " grave responsibilities '' and must exercise " fairness, impartiality, and respect for the consumers right to privacy. '' As the consumer, I have the right under 15 USC 6801 to ensure my private information is not improperly shared. This law states financial institutions have " an affirmative and continuing obligation to respect the privacy of its customers. '' As a financial institution under this definition, All Furnishers of MY PERSONAL PRIVATE Information MUST protect the " security and confidentiality '' of my nonpublic personal information.

Furthermore, 15 USC 1681 section 604 ( a ) specifies consumer reporting agencies may only furnish a consumer report with " written instructions of the consumer. '' XXXX and TransUnion, does NOT have my consent, verbal or written, to furnish this information NOR have they EVER obtained any consent from me the consumer. I hereby revoke any perceived, implied, or written consent. 

Finally, reasonable procedures must be maintained under 15 USC 1681e to avoid violations. As evidenced by the above, XXXX and TransUnion have failed to uphold reasonable procedures regarding my account. 

As permitted by 12 CFR 1016.7, I am immediately opting out of further reporting services regarding this account.