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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan from XXXX XXXX XXXX and paid it off in full on XX/XX/XXXX 
Then just recently i look at my credit report and it shows as i just took out a new loan in XX/XX/XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

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

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

PLEASE BLOCK AND REPORT Please act swiftly to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me considerable distress.
Product: Credit reporting

Experian has discriminated against me by listing items on my credit report that occurred because I was emitted in a XXXX as a XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX and there are items on my credit report that are do to this injury and XXXX. I have attempted to clean my credit report with this firm to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Paramount Recovery Systems claims I owe XXXX XXXX {$120.00} for a medical visit to the emergency room that never happened. 
During the date it claims that I went to the emergency room in fact I was not there. 
The most important aspect is that neither XXXX nor Paramount Recovery systems contacted me about the specific debt claim either through phone, email, or mail. 
Instead Paramount Recovery systems targeted me by reporting to the credit rating agencies this non-existent debt. 
This has affected my credit score. 
This is the second time that Paramount Recovery Systems has claimed this non-existent debt. 
Both times with no notification. 
This seems to be a scam mounted by Paramount Recovery Systems. 
Unfortunately it seems I am not the only victim of this scam. 
I would please request your help In deactivating this scam and that Paramount Recovery Systems be made accountable for their fraudulent actions.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting act. The list of counts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.section 602-a My Rights has been Violated, 15 U.S.C ,604 section -2 State say consumer reporting agency can not furnish an account without my reading instructions to do so. 15 USC - 1681 c a-5 no consumer reporting agency may make any consumer reporting containing any of the following items or information other adverse item of information other than records of convictions of crime which Antedates the report by more than 7 years. And 15 USC 1681-s ( 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 responsible causes to believe that the information is Not incorrect or accurate. 
XXXX XXXX XXXX XXXX XXXXXXXX {$9800.00} XXXX XXXX XXXX is inaccurate Account. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - All the Negative accounts & All the Hard Inquiries on my Profile has caused life Trauma. I have not given written consent to any creditors. I am totally violated and needs ALL these derogatory accounts removed from my credit profile permanently. Effective immediately. This is total violation of my privacy. And my Rights. I requested a deletion of all this accounts. Multiple times I have not gotten a fair response.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX 
Account number XXXX Recently I looked at this following account. Please check it. I noticed some inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX through XXXX, XXXX of the nation 's largest credit reporting bureau, Equifax, made my personal information available to hackers. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about XXXX people and dispute documents with personal identifying information for about XXXX people
Product: Debt collection

BILL ME LATER ACCOUNT XX/XX/XXXX ORIGINATION. THEY MERGED WITH XXXX WHO WAS MANAGED BY XXXX XXXX. 
DEBT WAS CHARGED OFF ON XX/XX/XXXX. 

SIMM ASSOCIATES INC XXXX XXXX XXXX XXXX DE XXXX XXXX. 
SIMM ACCOUNT XXXX. 

SIMM ASSOC SENDING ME LETTERS PER COLLECTION ON A DEBT PAST THE STATUTE OF LIMITATIONS KNOWINGLY AND WILLFULLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX XX/XX/XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Last four digits of social security number : XXXX To whom it may concern, Im writing this letter to dispute the following accounts : This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Victim of ID Theft and multiple Inquiries are reporting on my Equifax credit report from XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XX/XX/XXXX. I have enclosed a letter with the dates of each occasion. I have contacted Equifax explaining the situation and they have referred me to XXXX to have the fraudulent inquiries removed. I contacted XX/XX/XXXX and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting my credit score.
Product: Checking or savings account

I received my direct deposit from my job I tried to take money off at the a t m machine no money care out I received a message from my XXXX after stating fraud and my account was froze I cant unlock my card at all I contact cash app customer service they had me upload documents and my account is still froze
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My father XXXX XXXX XXXX name shows up as my alias on my credit report. He denies having anything to do with my credit. However, as a young adult utilities at his home were showing up under my name. Id like this issue corrected and anything attached to his name removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference complaint # XXXX I complained about this item reporting on my credit. Company stated it was not showing on report any more and they would send me a credit report showing that. However, its still showing the child support item on my Experian account online eventhough Experian stated its not on my credit help me please XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is frozen and I cant unfreeze it because the number that they have is not my correct phone number and its causing me not to be able to open up my business account at the credit bureau. I really need to get this taken care of as soon as possible I believe its through Experian.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, COBALT XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX, COBALT CU and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX, COBALT CU Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

XX/XX/2024 I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter. 
XXXX XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21, I purchased a storage bench from a company named XXXX. I never received a confirmation for the product that I was purchasing. I also never realized my payment was going to a person and not a company. So, I tried to call the number on the website- the number does not go through, also tried to email, came back as undeliverable. I believe this site is a SCAM. I would like my money returned. Please advise, XXXX XXXX - XXXX - XXXX. The website contact info : Email : XXXX  Phone : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX United States I reported the transaction to PayPal and they did not refund me because XXXX XXXX got his money, but I did not get my product, I got RIPPED off!! The reason I use PayPal is because I feel that they should check out the companies that are using their name as a way to pay. 

Please help! 

XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I sent Bay Area Credit Service a certified validation letter. I asked them to send me proof that I owed their company money. On XX/XX/XXXX, they sent me a letter stating I owed {$1000.00}. After looking closer at the letter I noticed it was an incorrect name and address. The name was XXXX XXXX. The company sent me the wrong information included with my patient care report Not only has this company violated HIPPA, they have also violated the FDCPA. I have responding to Bay Area Credit Service with a certified letter dated XX/XX/XXXX demanding that they remove the erroneous item from my credit report and the company cease and desist any and all collection activities. Depending on the outcome of the collection agency 's response, I will make the decision to contact the patient whose record I was received without her authorization. This is a clear HIPPA violation to send a patient 's records without HIPPA approval. 

XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
Department XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Account XXXX Has sent me a demand letter for a debt they purchased from XXXX XXXX ( South Dekota ) XXXX from XXXX XXXX XXXX.The credit card was issued XX/XX/XXXX and last used in XX/XX/XXXX. This debt was discharged in US Bankruptcy Court in XX/XX/XXXX also California State law statue is 4 years on debt collection I demand Portfolio Recovery Associates LLC. cease and desist any and all collections of {$510.00} from me Thank You XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX my credit report show a collection.They said I owned XXXX XXXX dollars for an account in XXXXfor an address XXXX XXXX XXXX XXXX XXXX XXXX.I never lived or owned this property.I 've been living in XXXX since XXXXThey also have the persons name as XXXX. I never went by the name XXXX.This same collection was once removed from my credit report once before around two years ago. After XXXX had no account for me, and that collection was from a different collection company.
Product: Vehicle loan or lease

I purchased a new Honda through honda financial services XXXX Account # XXXX XXXX and I set up recurring payments on their website for the XXXX  of every month. That was one of the earliest dates that was available. I checked my statement and I have two late fees because my payment was set up for the XXXX by Honda finance. The system did not provide any indication that my recurring payment would cause me to go late on my payments. I have a fico over XXXX and I have paid 2 payments above the minimum. I dont understand why they would allow me to set up recurring payments before my payment is due and not notify me that I would then be considered delinquent. This seems like unfair or deceptive behavior where consumers are harmed by not being properly informed when making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX2020 Verification letter The company did not respond in the 30 days with verification, still has not removed accused debt from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2019, SARMA Inquiry : XXXX. XXXX, 2019, XXXX XXXX XXXX : XXXX. XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 disputed via XXXX, only to get a response that the information had been updated. I don't know how it can be updated when nothing changed. It should be removed especially when ALL my student loan debts were paid off due to my total XXXX. 
I tried to explain that the things they have listed are about loans that state they are paid off under the " Department of XXXX. '' are the same amounts, dates, etc, just a different account number and listed under " Fed Loan Servicing ''. I also tried to reach out to Fed Loan Servicing via the phone number ( XXXX ) they have listed not only on my credit reports but on the responses received about the disputes. The number is DISCONNECTED AND NO LONGER IN SERVICE. Seriously!?! This is absolutely insane.
Product: Mortgage

We had a shortsale, but Bank of America has it posted as a foreclosure on our credit record. We 've requested multiple times to have it fixed and they are not responding.
Product: Payday loan, title loan, or personal loan

A loan was pulled out in my name, which I never applied for from a company named Kikoff Lending llc. I never applied for the loan and am a victim of identity theft. I have tried to contact the company with a request to remove it from my credit report and to send me a number where I can speak to a representative to assist me with this issue. I have been turned away from being given a number I can contact the company through. There isn't any direct contact from this company, which can only be assumed as a scam company which is not being regulated. The ftc has to do something about kikoff lending and remove this from my credit report.