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

My name is XXXX XXXX and I am submitting this complaint to address what I believe are inconsistencies on my credit report. I plan to make a major purchase in the future and my credit is a determining factor in my success. I recently requested my credit report and upon review I noticed there are accounts that appear to be incorrect or erroneous. My intent is to obtain the correct information directly related to the accounts that are currently listed on my credit report. I am unsure about the accuracy of some of the accounts that reviewed and I am not entirely convinced that all the data within these reporting accounts is factual. As per the Fair Credit Reporting Act, I am permitted to challenge published information that appears to be inaccurate or misused. There are also accounts that appeared to be unfamiliar and I have no knowledge of their existence which provoked me to write this letter with the intent to correct information that has been incorrectly reported. 
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Title 15 U.S.C. Sec. 1681 section 602 A states I have the right to privacy. 
Title 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 consent to do so.

Title 15 U.S.C. Sec. 1681i ( a ) declares reporting accounts on your credit profile which can not provide irrefutable proof of the account in question must be deleted. Should the aforementioned be found to be applicable to any of the mentioned accounts, please remove or delete them from my profile. 
I would appreciate the onset of an investigation so that I might be able to make solid decisions about my credit and repairing it accordingly. I understand that this process takes fifteen days to complete. Once the investigation has begun and has been completed, please remove any accounts with discrepancies in direct violation of the Fair Credit Reporting Act. Lastly, if it is at all possible, I would also like to request a report covering your results and who reviewed my personal information while the investigation was in progress. 
Once again, thank you in advance for your time as you review the following accounts for accuracy in accordance with the Fair Credit Reporting Act. 

ACCOUNTS : 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
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX ) $ ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ( XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) XXXX ( XXXX )
Product: Debt collection

1.I have never had an account with this company PARAGON REVENUE GROUP XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are PARAGON REVENUE GROUP the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

This debt was paid in full as of XX/XX/2019. The account reads as open and in collections. Credit reporting needs to be in compliance and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to Equifax,  XXXX , and   XXXX   regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lende r ( Consolidated ). I have also called them in regards to this matter as well.  I have not received anything, no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Included in the this section is the letter which I sent to all 3 credit reporting agencies instructing them of the identity theft and fraudulent accounts to be removed, including the timeframe in which it needed to be done by and they did not comply with federal law. Attached are also the letter and my FTC identity theft report.

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. 

I reached out to the Equifax, XXXX, and XXXX regarding this exact matter and it has been 30 days and they 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 INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

The company keeps contacting me at a work number. This number is at a shared desk and isn't always used to contact me. I have asked them to remove this number in case someone else sits at this desk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed numerous accounts and a bankruptcy with XXXX on XXXX and they reported that there was no bankruptcy and no negative accounts on my report. I disputed the same with XXXX, Experian, and XXXX on XXXX. An investigation supposedly done and nothing changed. I even called XXXX and XXXX. I spoke to XXXX XXXX a supervisor from XXXX which did not give me his ID and refused to give me anything else but his name. I asked him for the method of verification if there was in fact an investigation done and he had no information about the third party used and all he had was a phone number in which in fact wasnt even a third party number in which they use to verify. He said no information was on file about their method of verification. I called XXXX and same scenario no third party information was given and just gave me the same number in which is not a third party. The number was from a court in which do not share nor provide any information to credit companies.

According to the law 15 us 1681 ( a ) consumer rights to privacy was infringed upon and 15 us 1681 ( b ) ( 2 ) I did not grant or give written instructions nor permissible purpose.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my XXXX XXXX XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I  contacted American Education Services on Thursday,  XX/XX/XXXX  to speak with someone about filing a forbearance or deferment on my student loan. I was informed that they did n't have any options for me ( could n't lower payments, no deferments left, and no more forbearance time left ). I was upset with the fact that this company does nothing to help people try to do right by their student loans. They stated they did n't participate in the Public Service Forgiveness Program either. I am diligently trying to pay on all my loans, but these predators do n't bother trying to help you when you need a quick break from paying student loans because of other pressing life expenses. They should be sued and shut down for their ungodly practices.
Product: Credit reporting

I just paid {$19.00} monthly payment to Transunion come to find out they are report my Child Support Account # XXXX as Derogatory account. I called and spoke to the supervisor name XXXX and ask him why is this account being report as Derogatory account when there is nothing on the payment history that makes this account Derogatory, like miss payments, collection or behind in payments. I ask the supervisor to provide me that information so I know how to dispute this account. And the supervisor could not give me the reason why. This unfair to a customer who credit report is everything when it comes to getting funding, besides the fact you have to pay transunion to get your report and the also charge members. The least they can do is make sure any account that is reported to them has a payment history or proof showing why account that is being sent to them as Derogatory so the customer know why. And if it is not done correct it should be remove immediately. No other credit reporting agency is reporting this account as Derogatory but Transunoin. I attach XXXX and XXXX account also. When it comes to credit reporting agency if there is a clear error it should be move right away. How can you call an account that has good payment history, no late payments Derogatory. This is nothing to dispute change the account to good standing account or delete it. I am looking to get funding right now and dispute take up to 30 to 45 days. I can understand if there was evidence of late payments so I could fight that. There is nothing for me to fight but that fact why is Transunion is the only credit reporting agency reporting account XXXX this way and do n't even know why. I attached the payment history and it is reporting ok from Transunion and with that clear evidence there still wo n't make any changes. This is very serious, this can hurt and will hurt someone who is trying to get funding. Error like these that get reported by the customer, when it is there report and the agency does nothing. Transunion should get a fine for violating a customer right of not reporting correctly when the credit report agency should have clear guide line. You can not report negative information with out proof. Even worse report negative where there is nothing negative on the account you are reporting. This is holding me up from getting funding. Why pay to be a member when they do n't care about the member. Transunoin is trying to blame Child Support for this error when the payment history from Child support is showing that I am on time. Transunion is the ones calling this account Derogatory. 
I attached Payment History from Transunion showing no lates I show proof that Transunion is reporting XXXX derogatory account and it is the Child Support Account. 
Proof that XXXX and XXXX They are report as paid and current.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report on XX/XX/XXXX and noticed an account XXXX that was not reporting accurately. I have one missed payment in XX/XX/XXXX reporting XXXX days late that in fact was paid on time and never missed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a proof of my address and a copy of my identification card I'm now requesting you investigate this account and update these payments to never missed and paid on time immediately. Thank you for your understanding and prompt action.
Product: Mortgage

Principal payment only I have incidents with caliber home loans twice within the last 3 months. 
The first incident payment was sent electronically, the payment showed that it was received but never posted to principal balance until 2 emails ( my second showed that I was XXXX ) It was taking care off. After this incident, the payment was received and has been posted correctly. 

The second incident payment happened recently. I called caliber after 5 days ( gave them time to work on it, and I did sent email in between ). I  called them on the 6th day, talked to agent who did not show motivation in helping client and no clue of what Is going on to locate the payment, no alternative suggestions. All I got was they have not received payment. I did confirm with my bank that the payment was received and processed by caliber. 
In my opinion and experiences with thsi company, I feel that they make it difficult for us as consumers to pay down the loan in order to gain more interest. It is unfair practice and seem cheating on our hard earned money. 
I need someone to investigate this company and taking care of this issues because I am sure I am not the only one this happen to
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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 Balance {$900.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

I recently received a personal loan from Sofi in the amount of $ XXXX. I responded to marketing and in 48 hours the money was in my bank account. The problem, I am a XXXX XXXX and felt there were no controls in place ; e.g., co-signer from a spouse, etc. that protected me. 

When I emailed the CEO on XX/XX/XXXX of my predicament I received the following response. 

Hello XXXX, Thank you for reaching out to our CEO. I was forwarded your email so I could reach out to you. 

I cant imagine what you must be dealing with right now. I would like to take the time to speak with you in more detail about the situation you are facing. Is there a good time in which we could schedule to speak? If its more convenient, you can reach out to us at XXXX and ask to speak with me directly or anyone in the office of the CEO. 

I look forward to your response. 

Best regards, XXXX XXXX. 
Social Finance Inc. 
XXXX ****END OF MSG**** Subsequently, I called Sofi and spoke to someone else in the front office who was rude and aggressive in stating, you signed these documents you must pay. XXXX XXXX on the other hand did return my call and was apologetic that there was nothing he could do although I do value ( and trust ) his follow-through. It is the management policies of Sofi that are dishonest and why I want to pay off the loan I have with them with another vendor at a significantly lower rate.

At this point I am trying to pay off my loan with another vendor and that vendor tells me Sofi does not want to participate. It is my perspective that Sofi is a predatory and against the standards of the Consumer Protections Financial Board. 

CFPB should validate their controls and how they work with individuals with difficult circumstances which would validate the ethics and authenticity of this company. 

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

I am aware that deletion is admission and I need to be compensated. Exhibit XXXX  shows account reporting. Exhibit XXXX  showed account not reporting on consumer.
Product: Checking or savings account

I have financial troubles for my business. I took out several XXXX XXXX XXXX XXXX to help, these lenders were to take daily ACH withdraws towards payment. I had to temporarily close my office, 5 weeks, in XX/XX/XXXX. My accounts receivables were not enough to cover loans, so I informed the XXXX 's and asked for help. They offered little. 

I contacted my bank to ask for help, I wanted to get their help in stopping the ACH withdraws ; I knew if they went past my balance, I would be charged overdraft fees. The bank said they could not stop the ACH debits, only close the account, once it was a positive balance. I had been in contact trying to get the XXXX 's to back off a little but the OD charges kept piling up. 

I discovered your website and read the information that stated the bank COULD have stopped the ACH withdraws. I immediately emailed the bank, who danced around the issue offering to " consider '' helping once my balance was positive. 

Currently, my account balance is XXXX, of that {$3500.00} is in OVERDRAFT CHARGES!! I have asked them to remove those charges and I can then make arrangements to get the account to a {$0.00} balance so the account can be closed and I can cease doing business with them. Basically, get out of their hair! They said once I get the balance at a XXXX, they will discuss the OD charges. Seems to me they want me to XXXX out the account, then tell me tough stuff. 

My attorney says I have a potential claim against them since they have potentially violated certain banking laws. This is causing me tremendous stress, which adds significantly to the stress I already have concerning other financial issues. I need help, fast!