23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently filed a complaint with XXXX against Paragon revenue company filed number XXXX about submitting negative information on my XXXX report. They agreed to delete the information and remove all of the alleged debts from there office.. on XXXX/XXXX/2017, I received an alert from my XXXX and Paragon re- inserted the debt back onto my report which has caused a XXXXpoint decrease to my score ... I called to confirm with XXXX and it was put on there again for the amount of XXXX .. I have tried to be a great consumer and be in compliance with this company. I have enclosed all documentation about this company. .I have paid the original CREDITOR for the alleged debt ... I have recently started the process with a local attorney against Paragon.. This company has violated several laws ... I was in the process of closing on my home on XXXX/XXXX/2017, but when Paragon added this debt to my report it decreased my chances of closing ... I have enclosed documents from Paragon as well as XXXX who is the debt was old too..
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$8800.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5100.00}, XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$15.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} , XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a letter from a debt collection company on XX/XX/2018 demanding payment for a supposed debt, they failed to give thirty days notice of the assignment of the debt to them which is required by Florida debt collection laws. ( As per Florida Statute, Title 33, Chapter 559.715 In order to resolve the debt i sent them an offer of approx 40 %, ( XXXX ), of the amount they claim i owe, ( XXXX ) .They responded with a second letter on XX/XX/2018 stating " they accept my offer of XXXX dollars '' and demanded i pay within 30 days. 

I never offered them XXXX, they are fraudulently claiming so, on top of their violation of florida debt collection laws. 

i have attached all correspondence between myself and this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained several times before to try and get some assistance with this issue. I have received several letters from Experian stating that this public record that is reporting is accurate. This public record is not accurate and I have contacted both the courthouse and XXXX XXXX, which is who the company has told me has verified my public record. 

This is a blatant lie and a true misrepresentation of my credit report and my husbands credit report and I want this removed ASAP. I am tired of continously having to fight for my innocence in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late payment account was paid off and closed as reflected by XXXX. XXXX and Experian are not reporting accurate information such as payment status and date of last payment. XXXX failed to report my dispute in the comment section, not consistent with Experian reporting. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICE XXXX INCORRECT THING ON MY CREDIT REPORT... 
I NOTICED THAT I HAVE A XXXX STUDENT LOANS ON MY ACCOUNT... I NEVER ATTENDED COLLEGE, I DONT KNOW WHO USED MY INFORMATION TO GET THESE LOANS... 

I ALSO NOTICE A COLLETION ON MY ACCOUNT FROM XXXX, I NEVER USED XXXX, HOW DID THIS GET ON MY CREDIT REPORT ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2021 for XXXX XXXX XXXX Account # XXXX but it was not given a proper investigation.
Product: Money transfer, virtual currency, or money service

PNC bank made a change that prevents me as a customer to link my accounts with XXXX app which allows customers to round up the amounts spent on their debit card and use it with XXXX investment platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 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 an account without my written instructions
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 FCU Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Chapter 7 Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late/Closed XXXX  XXXX XXXX - ChargeOff XXXX XXXX  XXXX Balance {$0.00}
Product: Credit card or prepaid card

Over the past year, Discover has repeatedly exposed my personal, non-public and sensitive data to fraudsters, including my salary, banking and other information. In addition, without my knowledge or consent, and in a retaliatory manner for me pressing for greater protection of my information, a Discover agent disabled my profile and automatic payments, which has prevented me from making my payment which is due in less than 36 hours. Upon discovering this on my own, as I was not told my payments and profile were deleted, I called today. I was told my only option was to make a payment by phone, which would require me to release banking information over the telephone to the very department that has repeatedly failed to appropriately handle attempted frauds and protect my information. When I balked at this, and explained that I obviously did not feel comfortable, I was given no other option to avoid being late, even though Discover caused the problem. When I asked to speak with a supervisor, this was declined. She said the " process '' for speaking with a supervisor was to let people know all supervisors are in a meeting, and that I could expect a call back within two days, which is after my due date. She also seemed to act in a retaliatory manner when I mentioned I'd have to file a complaint with their regulators ( what choice do I have at this point? ), warning me she would be noting my file. Discover has repeatedly failed to follow its own basic procedures to protect my information, causing my information to be exposed to fraudsters, and has taken an active role in preventing me from making my payment timely, stating I would have to pay by phone. Given the numerous calls and hours to Discover over the last year pleading to resolve these issues, this matter has cost me. I think it is important to realize that Discover repeatedly does not follow its own security authentication procedures and exposes its customers information, as has happened to me multiple times this year.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

I am a victim of identity theft, and did not make the account responsible for CONTRACT CALLERS INC. It was originally reported to my credit report back in XX/XX/XXXX on all three credit reports. Once it appeared, I reached out to the company and they informed me that the debt was from an electrical company in Virginia during a time that I was living in XXXX  ( I still reside in XXXX. ) I have never opened in an account with the company and have resided in XXXX  since XXXX. I informed them that the account and debt was a result of identity theft. I have previously reported this as identity theft and it was removed however it is now reappearing and the business refuses to remove it from my name/social. I am requesting that the item be removed from my responsibility and blocked to correct my debt and credit report due to the account or debt not being opened or used by myself.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, XXXX, XXXX & XXXX was never late ! I have had exceptional payment history witH XXXX  XXXX 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 my 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 XXXX  days 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 XXXX  days before the payment due date. 


XXXX, XXXXXXXX XXXX  XXXX & XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN continues to report an account on my credit report that is from identity theft and fraudulent activity, which is a direct violation of the FCRA. The company XXXX has provided no information on why the account is under my name/social number. I have followed the dispute process with evidence that this is from identity theft, yet both companies refuse to take the proper action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX : XXXX a natural and real living human being ( consumer ) who is the Beneficiary of XXXX XXXX XXXX have been disputed these accounts below for the last 5 months and and I received my updated credit report that Experian dated in XXXX that said they have verified these disputed items : XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX. 

How is it possible for these disputed items to have been properly verified because if so they would have been accurate across all 3 credit reporting agencies instead the same inconsistencies of my first two investigation that still remain. I know for a fact that each account disputed has inconsistency of such as incorrect Date opened, Last activity, High balance or last payment entered on my credit report. ( See Attached ) I asked for them to send me the exact process that was used and who determined these accounts were accurate including First name, Last name, badge number, telephone number and position with Experian and how long they been with the company. Pursuant to 15 U.S.C 1681 ( I ) 7-Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The anxiety and stress this is causing me has me prepared to seek civil damages against Experian for the violation of my consumer rights & if these accounts are not Deleted immediately that will be my next step. This was not drafted by any 3rd party, I am a law major and very familiar with my consumer laws.
Product: Credit reporting or other personal consumer reports

illegal credit inquiries since XXXX according toXX/XX/XXXX: XXXX XXXX 240 times, XX/XX/XXXXandXX/XX/XXXX credit match 160 times, XXXX XXXX 27 times, pendrick capital partner 2 times, XX/XX/XXXX 1 time, XXXX XXXX XXXX 1 time, XXXX XX/XX/XXXX 1 time. XXXX XXXX 2 times, XXXX XXXX XXXX 1 time. this information has been obtained illegally, and the information is false. immediately destroy any information obtained. cease and desist all business activity related to me. XX/XX/XXXX, the credit report was supposed to be locked years ago and i have a confirmation that you locked it. you did not. ongoing litigation, send all inquiries to XXXX XXXX XXXX New York XXXX XXXX i have opted out of all credit products. i have been debanked and all my property is stolen. leave me alone. i will never do business with any of you criminals for as long as i live. XXXX you. return capital to creditors NOW! do not share credit information with government either, there has been treason committed within factions of the federal government, it is not safe to share with anyone for any reason.
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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

15 U.S.C. 1681 Section 602 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. 6802, I did not receive the required opt-out notice at the time I created the account that is being reported. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

US Bank placed an unauthorized inquiry on my credit report XXXX. I never made this inquiry and I never applied for this card. Why and how is this on my credit file?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( Efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX declined my car loan app in XX/XX/XXXX. They list the principal reasons for credit denial as follows : Income insufficient to meet credit obligation - ( I make XXXX per year ) LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX - I have owned this home since XX/XX/XXXX XXXX XXXX   specifically lists LexisNexis as the agency providing them with info that influenced their decision to reject my application : " We also obtained your credit score from LexisNexis Risk Solutions Inc. and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 
Your credit score : XXXX Date : XX/XX/XXXX Scores range from a low of 500 to a high of 900 Key factors that adversely affected your credit score : Eviction record found Lien/Judgement record found Number of inquiries in the last 12 months Number of sources confirming identity and current address '' I waited 30 days to receive Lexis Nexis full report that I could only request by USPS mail. I disputed the incorrect info ( by email ) and waited another 30 days for a response by snail mail only to find the damaging and incorrect data that Lexis Nexis is reporting will remain on my credit report even though I supplied numerous documents proving it is incorrect. I have attached all communication AND evidence proving they are damaging my creditworthiness and preventing me from obtaining credit! They should be sued for the damage they are recklessly causing.