23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Creditor Information PARAMOUNT RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above company called me in late XXXX or early XXXX of XXXX. The representative stated that I was in collections for a medical debt in the amount of {$1100.00} and it had gone to them for collection. I asked for more detail about the debt such as date of service, the medical facility and for what services. She told me that she couldn't disclose any of that to me because of HIPPA laws. I told her that if this was indeed my own medical record then I had a right to know what I allegedly owed. She refused to give me the information other than the amount. I then asked to have documents mailed to my address or emailed to me. She told me that she didn't have to send me anything and that I needed to pay this debt immediately over the phone or she would send the police to my house to arrest me. I was terrified, as I am only XXXX years old. I do have medical issues and have had medical bills, but I've always paid them. In a panic and our of fear I gave this woman my bank card number. After I got off the phone with her I told my parents what had happened. They told me to call my bank and cancel my card immediately, which I did. My parent contacted Paramount Recovery and left  them a message telling them in detail that they had no right to threaten me. Shortly thereafter, I got a credit alert and saw that Paramount Recovery had reported this as an unpaid collections on my XXXX  credit report. I am in the process of disputing this. My parent emailed Paramount Recovery once we saw what the medical bill was for on my credit report and sent them a copy of a cashier 's check showing payment was made in full on XX/XX/XXXX in the original amount owed of {$1100.00}. They continue to call me in an attempt to collect and they have not removed the derogatory report on my credit which has severely damaged my good credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Transunions through XXXX that the balance to our home depot account should be XXXX, paid off, but still open. 
I get a email from XXXX XXXX that my credit score has changed, dropped, i go look at my credit report and my scores decreased by XXXX points. I notice the home depot account is gone completely. I try to call Transunion and no luck as cant get through on the automatic prompts for my reason, then i instant message transunion on XXXX XXXX  and reps told me that the reason it was deleted entirely from my credit score is because i am a authorized user, that i disputed the account. All i did was mention the balance should show XXXX now. The rep, actually twice now today XXXX told me that their system is automatically set up to anytime a authorized user enters a dispute, they call this a dispute, it deletes it all, all of the history to that account. BUT, if it were XXXX that said hey this balance should be XXXX, they would not have deleted the account history from my score, so my credit score is lower now and it is not fair. Transunion told me to call the bank ( XXXX XXXX ) to have the credit history re inserted for myself that it would go back but it will be mid or late XXXX before XXXX XXXX runs a report again. The XXXX XXXX rep told me no when i asked for something from them to document my request and calling them today. They said they have no way to do that as all correspondence is pre typed, nothing for this matter. Just for me to check my credit score in late XXXX. this is not good. XXXX XXXX guy also told me that Transunion needs to be the one to put the info back on my credit report. I asked Transunion on chat again where it has this on their steps or website and everyone has replied saying it is NOT listed, it is not out there and that it is where I am a authorized user they automatically delete it, ( they didnt say they edit the balance or question XXXX or question me ) they just delete it all. This needs back on my credit report asap. I asked where the instructions are for a card user like spouse or other person on a card and they at transunion told me each time that there is no such thing thats just how it is. I asked how i would know this and they at Transunion just keeps saying thats how it is.
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/block any items 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 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$390.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have new and updated information. 
in accordance with the Fair Credit Reporting Act Experian has violated my federally protected rights!

Fact, 15 USC 1681 States I have a right to privacy, which Experian has infringed upon.

Fact, 15 USC 1681 States a consumer reporting agency may furnish under the following circumstance and no other : with the consumer written consent I have not giving Experian my written consent to furnish on my consumer report.

Fact, 15 USC 1681i Experian failed to do an accurate Reinvestigation.

Fact, according to 18 USC 1028a uses, without lawful authority, I did not give Experian consent to use my information Fact, I sent Experian letters and called multiple times telling the to remove the inaccurate information and they failed to do so, violating my rights to privacy as there is someone else addresses and names on my report. 
Fact, Friday XX/XX/XXXX XXXX with Experian told me they only investigation involves the furnisher verifying the account, Experian has no way of

kno wing if its accurate, so how could you exercise your grave responsibilities to accurate information if the not investigating as required. Fact, Experian is willfully and negligently noncompliance with federal laws.
Product: Debt collection

Per this debt collection agency letter to my complaint I had two options of which I will attach. I have paid the debt online as they have stated I can do but now they are requesting I send them a signed credit card authorization form in which I have already paid the debt per their letter this will be remove from all credit agencies once paid I have up held my end of the bargain. This is unfair practice. 


I have attach their letter to my complaint I. Which they stated I can pay online and I have attach their payment email. They are stalling deleting off my credit.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following non-XXXX XXXX Inquiries on my credit report.- XXXX Issue This inquiry is fraudulent. 
XXXX XXXX Issue This inquiry is fraudulent. 
XXXX - CARD SERVICE Issue This inquiry is fraudulent. 
XXXX XXXX XXXX XXXX Issue This inquiry is fraudulent. 
XXXX XXXX Issue This inquiry is fraudulent -- -- - Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 
These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.
Product: Credit card or prepaid card

I have tried countless times to get a solution and they require you to have a certain income in order to give you one!! i dont have any money! I dont have a phone! How the XXXX am I supposed to talk to a representative and NONE of their contact forms work for people in my situation. They have absolutely no customer service available to disadvantaged customers! They say talk to their XXXX? They tell me nothing! They say call in! i explain I have no phone. They say nothing back! Secure message center?? Whenever you select the right options, it says call this number! There is no actual support!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX SS XXXX XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Request to Correct Personal Information and Delete Inaccuracies Dear [ XXXX ], I am writing to request the immediate correction and removal of inaccurate personal information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and Texas XXXX XXXX XXXX XXXX XXXX. It has come to my attention that my credit report contains incorrect information, which must be rectified immediately to ensure compliance with federal and state laws. 
The correct information is as follows : Name : XXXX XXXX Address : XXXX Forest XXXX XXXX # XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Phone Number : ( XXXX ) XXXX Employer : XXXX XXXX XXXX XXXX XXXX deletion of any and all incorrect names, addresses, phone numbers, employers, or other inaccuracies that do not match the information listed above. 
Legal Basis for My Request : XXXX. FCRA Compliance Requirements o 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. 
o 15 U.S.C. 1681i ( a ) ( XXXX ) : When notified of a dispute, credit bureaus are required to investigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 
XXXX. Obligation to Verify Information o 15 U.S.C. 1681s-2 ( a ) ( XXXX ) : Information providers must not furnish inaccurate information. If any inaccurate personal data originates from an information provider, the credit bureau must ensure its removal if unverifiable. 
XXXX. State Law Protections o Texas XXXX XXXX XXXX XXXX XXXX : Credit reporting agencies operating in Texas must promptly investigate disputes and correct inaccurate information to avoid penalties. 
XXXX. Potential Violations o Maintaining inaccurate information could result in consumer harm, which may constitute a breach of my rights under both federal and state law. Such violations are subject to penalties, including damages under XXXX5 U.S.C. 1681n and 1681o, allowing recovery of damages for willful or negligent noncompliance.

Action Requested : I demand that the following steps be taken : Verify all personal information on my credit report. 
Delete any information that does not match the details provided above. 
Confirm the completion of this investigation and provide a corrected credit report within the required XXXX period. 
Enclosed are copies of my identification, Social Security card, and proof of address to assist with verifying my identity. 
Please treat this as a formal notice and act in full compliance with the FCRA and applicable state laws. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX SS XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for Account # XXXX Dear CFPB, I am submitting this letter to dispute inaccurate late payments reported on my credit file maintained by Experian. The late payments listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect and do not align with my actual payment history. 
Nature of the Complaint Inaccurate Reporting : The late payments listed are inaccurate. My account has consistently been in good standing, and payments were made on time as I am enrolled in autopay. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These inaccuracies violate FCRA regulations ( 15 USC 1666 ( b ) ), which require accurate reporting of consumer credit information.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments could also breach FDCPA provisions protecting consumers from misrepresentation.

Truth in Lending Act ( TILA ) : The inaccuracies further violate TILA, which mandates accurate disclosure of credit information.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, credit reporting agencies must ensure the accuracy of consumer credit information. Noncompliance can result in civil liabilities under sections 15 U.S.C. 1681n and 1681o. 
Account Information Account Number : XXXX High Balance : {$27000.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 30 Days ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) Requested Resolution I request that Experian conduct a thorough review of this matter and remove the inaccurate late payments from my credit report. Please update the entries to reflect my actual payment history of 100 % on-time payments. 
Attachments Copy of my government-issued ID.

Copy of my Social Security card.

Proof of current address ( e.g., utility bill or bank statement ).

Copy of my full credit report highlighting the disputed account and inaccurate late payments.

I look forward to receiving confirmation of the resolution within 30 days of this letter.

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

4741
Product: Credit reporting, credit repair services, or other personal consumer reports

there was inaccurate data reported. I disputed it. They changed the payment history to not reported. That is illegal. The payments should have been reported on the credit report because it builds payment history. Gaps in payments shows inconsistently. This is also hindering my credit from positive payment history. If the payments was verified by the bureau then was is the gap in the payment history Starting from XXXX XXXX 
This is a violation in the Fair Credit Act. 
Also, Santander charged the account off in XXXX. Since then, the payment history reported as no data on both XXXX and XXXX. 
Well, there was a payment applied to the account by a third party twice which should have been reported on the credit report. It shows the it has no data of payment on the credit profile. 
Also, the is a federal lawsuit with Santander fraudulently reporting payment history. This company is aware. Yall have numerous articles on it. 
Any inaccuracies reported must be deleted according to the Fair Credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that was opened fraudulently and I have already spoken with XXXX, XXXX and Experian about certain things pertaining to the account such as the address and phone number attached to this fraud account as well as the account. I have filed a police report and should have the report this week to be able to forward this information to the company involved. Experian however is not working with me on this issue. I called them yesterday and was on the phone almost 2 hours being transferred to several different departments only to have them make things even worse. While on the phone with one of the may representatives they placed a fraud alert on my account. I did not request the fraud alert and told them to remove it that I have the ability to lock and unlock my account. The person assured me they removed it only to see they did delete it and then added it again. They put it on I DID NOT AUTHORIZE IT and now they want me sending personal information to them. I just told them I was a victim of fraud I will not submit my personal information to them for something they did without authorization. Also in the process they changed the date of my birth. WHAT IS WRONG WITH THESE PEOPLE?
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Credit Reporting Agencies and Companies for violating my rights under the Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681. Specifically, the agencies and companies has reported outdated and inaccurate information on my credit report without my written consent, which is a clear violation of my federally protected consumer rights.

Violation of Privacy Rights : Under the FCRA, consumer reporting agencies must ensure the accuracy, fairness, and privacy of consumer information. According to 15 U.S.C. 1681b, a consumer reporting agency can not furnish a consumer report without the consumers written consent unless it is for a permissible purpose as defined by the Act. The outdated information reported on my credit report was furnished without my explicit written consent, violating my right to privacy and the confidentiality of my personal information.

Violation of Consumer Rights : As stipulated in 15 U.S.C. 1681c, the FCRA imposes strict guidelines on the reporting of obsolete information. Specifically, information that is outdated and beyond the permissible reporting period should not be included in consumer reports. The account in question is old and should not be reported. 

The following entities, including the major credit reporting XXXX, XXXX, and TransUnionand the specific companies listed on my credit report, have played roles in the inaccuracies I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Ally Bank did not protect me fraud. 
My friend 's financial advisors instagram was hacked and they tricked my friend into thinking her XXXX app had more money in it do to an investment. The hackers pretending to be her financial advisor then asked her to make a video of how amazing she is as a financial advisor. Immediately after my friend posted the video the hackers took over her account. The hackers took advantage of the the conversations they now had access too and many of us sent the money via XXXX. 
I contacted Ally Bank, as soon as, I found out assured me it would be okay. They told me it would take up to 10 business days, provisionary credit of {$2000.00} back into my account and told me to wait. I expressed I was concerned over the wait period because of the fraud situation and they assured me this is the process and I shouldn't worry. 

After no commutation for a couple weeks {$2000.00} was withdrawn from my savings account. I called immediately and was passed from person to person for about two hours. The notification was in a " Notices '' tab in an odd spot under my profile and settings tab, would have never known to check their if they didn't tell me. 

The notice stated " The disputed transaction was completed with a merchant with whom you have an established relationship. '' The reps on the phone said this was because I made the transaction on the app that I had made many transactions from. This makes no sense and the broad statement of the notice does not align with the issue of fraud. 

I was met with vague answers on why this conclusion was reached, that there is nothing more they can do once the conclusion is reached. 

The forms they sent me to fill out did not align with my situation. I tried to express this to customer service reps multiple times. When the disputes rep called me I felt like she was confused and not fully listening to my statement. She kept asking me who I wanted to send money to, I kept responding that it was fraud. The notes kept on my claim were not accurate. The last rep I spoke with told me what was relayed on to XXXX as the issue, I said that was inaccurate and he said " they got the general gist. '' Three different customer service reps were confused my the comments being kept and even said the forms and their process is not equipped to handle fraud situations like mine. 

This is simply unacceptable. It is not Ally Bank 's fault I was a victim of fraud, however it is their job to protect their customers and to handle claims of fraud seriously and accurately.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  Account XXXX XXXX