23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, these incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit BureausXXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX  XXXX Balance Owed : {$360.00} XXXX  XXXX Balance Owed : {$350000.00}
Product: Credit card

I applied for Chase ink business credit card on XX/XX/23, I was kicked out the application after I was done and pressed submit, I was given a error message and to try again later. I received a email credit alert inquiry, that's when I then know that the application did go through and it was denied on personal credit and not business credit
Product: Debt collection

Paragon revenue has furnished XXXX collections onto my consumer report damaging it as a result. They acquired my private information without any written permission which constitutes identity theft along with violating HIPAA law.
Product: Credit reporting

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX?? 
I do not understand why this should impact my credit. No one explained to me they would be doing a credit check???. I currently have XXXX XXXX as my Car insurance carrier. XXXX keeps asking me to try them again. I want these removed. Please. I have never lived at XXXX XXXX XXXX in XXXX, CT XXXX. Name ID - XXXX is incorrect & not me. Name ID - XXXX XXXX XXXX XXXX, not me. Never worked for XXXX. Name ID XXXX not mine either
Product: Debt collection

Filing a dispute with Debt Collector : XXXX XXXX Acct # XXXX According to the FDCPA Laws I was Charge an illegal Collection fee. I was threatened by creditor. Creditor misrepresented the nature of debt, including the amount owed. My family was harassed in other states by creditors failing to identify themselves. Wages were garnished for incorrect amount.
Product: Mortgage

I prepaid the property taxes at the end of XXXX for the due date of XX/XX/XXXX. I notified the bank in XX/XX/XXXX about this payment. They verified the tax payment in XXXX of XXXX. Based upon the projected tax assessment for XXXX, US Bank increased my payment slightly to account for their estimated escrow shortfall. Meanwhile, I have been making mortgage payments to include escrow for taxes already paid. 
My XXXX mortgage payment was made on time, but due to the shortfall it was put in suspense and I was assessed a charge of {$170.00} for a shortfall of {$27.00}. 
I called the customer service department on XX/XX/XXXX. After a lengthy conversation and contact with their tax department it was determined that my escrow account has an overage of over {$6000.00}. They also stated that they only review escrow analysis once a year and since this was done before verification of my tax payment, it would not be reviewed again until next year. In effect I am overpaying for my escrow, but since it is not correctly accounted for, it appears my automatic payments are short. I will be adjusting my auto payment to match their current statement amount. I am extremely concerned that the bank which is not monitoring my escrow account properly has found a way to increase my payment and then charge me a late fee of 600 % of the incorrectly calculated shortage. In fact, the customer service XXXX indicated that the only reason they are looking at my escrow and are now processing a refund is due to my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX went to a XXXXXXXX XXXX bank branch to open a business credit card. With the assisance of the XXXX XXXX personel. When he prepared documents, he advised representative not to list business address and only list residential address for all bills and correspondence. 

The incorrect address was listed for all bills and correspondence as to the XXXX XXXX card. This was the bank branch 's error and the branch has already admitted this was an error on their part. 

Since, the billing and mailing address were not correct my client did not receive the bills and or any correspondence, the account became past due and was closed. When my client realized the error, and the account was past due, he immediately paid the bill in full. 

Due to the address error, the bill was paid late and reported late payments to the credit bureaus, thus affecting my client 's personal credit. The credit card was also immediately closed due to lack of payments. 

XXXX XXXX XXXX returned to the XXXXXXXX XXXX branch. The XXXX assistant manger admitted the error on their part and advised they would submit a form to correct the late credit reporting and reopen credit card account. As of today, no action has been realized. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute threw the CFPB asking Experian, XXXX, and XXXX to investigate my accounts. According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results and are supposed to record the current status of the disputed information which they did not and also did not update the status/date of dispute which is another viloation. These consumer reporting agencies are in violation. Evidence provided below with violations. AccountXXXX XXXX XXXX XXXXXXXX Acct # XXXX & XXXX, XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was able too check my cr on a daily basis I signed up for cr monitoring then my cc got declined then XXXX flagged my SSN too all credit bureaus all because I stop using there monitoring service now they want me too verify my identity again.
Product: Credit reporting or other personal consumer reports

I submit this complaint to request that the credit bureaus reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX Balance : {$22000.00}
Product: Checking or savings account

I believe I've been a victim of identity test. Someone stole my identity and a lot of accounts can I use my identity as a if it with me.
Product: Credit reporting or other personal consumer reports

I am demanding that the account UNITED REVENUE CORP XXXX is removed from my credit report due to FDCPA violations, HIPAA violations, and violations of the No Surprises Act. You are reporting a balance that is much higher than the balance I have with the original creditor. Any medical collection under {$500.00} is to be removed from consumer credit reports which I am sure you're aware of. I also received nothing informing me that the account I had with the original creditor was being sold. How is this not illegal and gross misconduct? I am entitled to {$1000.00} per violation. At this time, I am only requesting the removal of the aforementioned account. My email address is XXXX for verifiation purposes.
Product: Credit reporting or other personal consumer reports

I pulled my free annual credit report because i was in the market to buy a home and my family when I received my report i was shocked to see what was on it. It caused me great XXXX because i hade no idea that the accounts on my credit report was not mine so i filed a identy report to have those items removed from my credit report and I notified my bank and had them to freeze all my accounts until further notice
Product: Mortgage

On XX/XX/2018 I submitted a complaint under the number XXXX. The financial institution submitted their response and stated that they were going to send a letter detailing the documentation that I had to submit for them to continue working with the loss mitigation package.  On XX/XX/2018 I received the letter and on XX/XX/2018 I submitted my response with all documents that were petitioned, (See attached email sent on XX/XX/2018.)The financial institution never responded to the above mentioned letter, instead they sue me in State Court, (Case number XXXX) and move forward committing dual tracking.I am currently undergoing a judicial foreclosure process, in which the financial institution has not mentioned the outstanding Loss Mitigation package that was submitted and instead are moving fpward with the process.
Product: Debt collection

A few months ago in XXXX I paid a balanced me and my boyfriend owed in full. I received an email of that receipt stating I no longer owe a balance. A few weeks ago I began receiving calls from a collection agency trying to collect that debt. I tried to dispute the debt since I do not owe it and the collection agency and the credit bureaus are stating that I do have to pay that money I submitted the receipt where it says I paid in full. I do not understand why theyre trying to make me pay for something I already paid.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX XXXX Owed : {$0.00} DEPTEDXXXX  XXXX Balance XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX  XXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed XXXX {$0.00}
Product: Debt collection

On  XXXX   XXXX ,  2017 a nd  XXXX   XXXX ,  2017, a let ter for validation of debt  and HIPAA V iolation was sent to Central Financial Control. The amount presumably owed {$600.00}. The letters asked for a breakdown of fees, copy of my signature from the provider stating the release of detailed medical information to them and to cease any credit bureau reporting until debt was validated by me. As of  XXXX   XXXX ,  2017, I  was provided by Central Financial Control and itemized statement that included all procedures, NOT CODED, which were performed including  XXXX ,  XXXX ,  XXXX   XXXX  and drugs administered. Which is a violation of t he HIPAA Act. I  was never provided a statement from the original creditor that would allow the release of medical information to central financial control. I had never received a bill from the original creditor nor central financial control. I have asked that the presumable debt be deleted from all  XXXX  CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

Mohela gave me a vague notice XX/XX/XXXX that my appealed School Misconduct application has been denied. Mohela had received my appeal on XX/XX/XXXX. In these emails Mohela sent me XX/XX/XXXX, there are no specific explanations as to why they denied my application. I have provided them with sufficient documents and papers the application asked for, including updated information from the first application I had sent. XX/XX/XXXX XXXX spoke with Mohela rep XXXX XXXX and asked her if she could give me any specific reasons why my application was denied, as I have provided them what they had asked for on the application. The rep could not give me any explanation other than the same one that was on the denial email Mohela sent me this past Monday. It states, A variety of factors are considered in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. Mohela could not give me any reasons why my submitted documents were not sufficient enough, even though there is more than enough evidence requested. The Mohela reps solution was only that I could reapply again. There is no guidance about what else they would consider looking at or what I was supposedly missing. The following is a list of items I provided them with my application : School Misconduct application appeal that has additional information included plus : ITT Transcripts Truth-In-Lending disclosure statement XXXX XXXX picture I had mailed with original misconduct application and was sent back to me Transcribed XXXX XXXX website print outs XXXX transcripts Tax returns for XXXX, XXXX, and XXXX showing financial hardship Bankruptcy papers ( XXXX XXXX loans listed ) Copy of US Dept of Education letter stating XXXX federal loans discharged XXXX XXXX XXXX Final approval documents Email explaining that I am in post class Exhibit C listing of misleading/for-profit schools ( XXXX highlighted ) Letter I received stating I am on list of XXXX for XXXX settlement Class action lawsuit/judgement order and Motion Cited from application : Staff Guidelines on Trade Regulation Rule Concerning Preservation of Consumers Claims and Defenses Exhibit XXXX XXXX Department approves {$3.00} XXXX group discharge for XXXX borrowers who XXXX XXXX XXXX XXXX The People of the State of California v Peaks Trust case Work cited Letter from members of United States Congress regarding Holder Rule and Navient rejecting applications ( in reference to my own denial )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Charge-Off Status and Balance Discrepancy The account is reported as " charged off '' with a balance of {$0.00} while also showing a " {$19000.00} written off. '' This is contradictory and violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. 
Incorrect Payment History My report shows inconsistent delinquencies, such as " ND '' ( No Data ) in XXXX and XX/XX/XXXX, yet " CO '' ( Charge-Off ) appears before those dates. This timeline is inaccurate and misrepresents the true payment history. 
Unverified Ownership and Transfer of Debt The account was allegedly sold to " XXXX XXXX XXXX XXXX. '' However, there is no documented proof that this company has legal authority to report on this debt under 15 U.S.C. 1681s-2. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Debt collection

Discover Financial Services has reported some negative marks on my Credit Report and is not presenting me with some option to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and misused to open up fraudulent utility accounts at unknown addresses without my knowledge or consent.
Product: Debt collection

This complaint is being submitted by XXXX XXXX, consumer and natural person. Please see attached identification for verification purposes only. On XX/XX/XXXX XXXX XXXX noticed a deceptive and suspicious account listed on the consumer credit file ( please see attached consumer file ). The account refers to Paragon Revenue Group a dba of Jon Barry and Associates Inc, with an account balance owed of {$2500.00}. XXXX XXXX has done NO business, has NO agreement, nor any account with Paragon Revenue Group a dba of Jon Barry and Associates Inc. XXXX XXXX mailed Paragon Revenue Group a dba of Jon Barry and Associates Inc a cease and desist letter ( see attached Paragon C & D ), which was delivered on XX/XX/XXXX ( see attached USPS delivery confirmation ). In attempts to collect on this ALLEGED debt, Paragon Revenue Group a dba of Jon Barry and Associates Inc has compromised the identity, violated the privacy, defamed the reputation, and affected the credit worthiness of XXXX XXXX. Even with a cease and desist in place, Paragon Revenue Group a dba of Jon Barry and Associates Inc continues to communicate with, harass, and abuse XXXX XXXX by accessing the consumer files of XXXX XXXX under deceptive and fraudulent pretenses. Paragon Revenue Group a dba of Jon Barry and Associates Inc accessed the consumer files of XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached Unauthorized Access ). XXXX XXXX mailed Paragon Revenue Group a dba of Jon Barry and Associates Inc a notarized Affidavit attesting to the facts listed herein, along with a notice of opportunity to cure for the injuries caused by its abusive debt collection practices ( see attached Paragon AOT ) ( see attached Paragon civil liability ). Paragon Revenue Group a dba of Jon Barry and Associates Inc received said affidavit and notice on XX/XX/XXXX ( see attached delivery confirmation ). Paragon Revenue Group a dba of Jon Barry and Associates Inc has refused to submit payment for damages caused to XXXX XXXX or rebut the sworn statement of facts with an opposing sworn statement of facts. Paragon Revenue Group a dba of Jon Barry and Associates Inc has in fact mailed XXXX XXXX a letter dated XX/XX/XXXX admitting to breaching the privacy of XXXX XXXX by disclosing nonpublic personal information to 3 consumer reporting agencies ( see attached Paragon admittance letter ).
Product: Credit card

Early 2024 I received an email from Capital one regarding a credit card which instructed me to complete the application process already started from what it looked like one of those mail advertisements. I called them and said that I had never applied for anything and they said that they would claim it as fraud and that they would close any and all of the opened online forms. Fast forward to XX/XX/year> again I received an email warning me that I had until the XXXX of XXXX to complete the form to receive another credit card. Right away I called capital one and spoke to their fraud department and once again they closed everything down. Now on the XXXX of XXXX someone got my address and ordered a debit card to my house which Im guessing was a hard inquiry. A few days later I received the card from capital one. Once again I called capital one to report this problem. But now I have called XXXX  because I saw there was a hard inquiry on my credit. I wanted off.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX  : Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXX : Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXXXXXX XXXX XXXX Account number XXXX. 
XXXXXXXX XXXX XXXX XXXX, account number XXXX. 
XXXXXXXX XXXX : Account number XXXX. 
XXXXXXXX XXXX  : Account number XXXX. 
XXXX XXXX XXXX XXXX : Account number XXXX. 
XXXXXXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 
15 U.S.0 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.0 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: Debt collection

I received a note saying I owe {$870.00}, this is INCORRECT! I owe you all NOTHING!!! This information is false!!!!!!! I would like to dispute this now!
Product: Debt collection

I keep getting letters about debt collection for an XXXX account that was never mine to begin with. Please stop sending me letters I never own that account and I dont owe anyone
Product: Money transfer, virtual currency, or money service

My money have been held by PayPal for more than 180 days without any reason. Kindly help me because I have tried to contact them but they are not giving me any help. My PayPal email is XXXX XXXX