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

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay.

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

PHH MORTGAGE Company Loan # XXXX homeowner : XXXX XXXX XXXX  XXXX PHH sent my home insurance company a check # XXXX on XX/XX/XXXX via USPS for & XXXX to XXXX XXXX XXXX PHH waited till XX/XX/XXXX to send the payment when it was due on XX/XX/XXXX. XXXX XXXX has not, as of yet, received the check and are threatening to discontinue my home insurance. I am on autopay with PHH so my mortgage payment is NEVER late! I am concerned that they held the money to make money ( interest ) and will do the same with my real estate taxes which are due no later than XX/XX/XXXX to prevent a higher amount. Spoke with XXXX # XXXX at PHH XX/XX/XXXX at XXXX re escalation of this complaint. Insurance specialist XXXX # XXXX  Why was this payment to the insurance company made late? Stating they called XXXX XXXX with no success but did not contact me! 
Do I have a promise that my real estate taxes will be mailed in on XX/XX/XXXX to prevent additional charges? I want an email from PHH when the real estate taxes are mailed with check #, who they paid to and what date as well as method-i.e. USPS
Product: Debt collection

I have tried validating this debt with First Collection Services ( acct # XXXX ). According to the Fair Credit Reporting Act, they are required by federal law to verify, through the physical verification of the original signed consumer contract. This company failed to present this information and is still reporting this account.
Product: Credit card

I made a purchase from a scamming company " flight club '' online on XX/XX/year> This company mailed me already worn returned shoes so same day I returned them. They refused to give me a refund as they are scammers and practice theft. 

I disputed the charge on my XXXX XXXX XXXX, of course all their people are in other country and cant be bothered with customer service. I do not have the merchandise it was returned I have the shipping receipt.

Capital one is assisting in theft for this fraudulent company steeling by not reviewing the FACT of the case I will be filing a civil suit for the fraud.
Product: Credit reporting or other personal consumer reports

Accordance to USC 15 USC 1681a ( 2 ) I didnt give written permission to have accounts fraudulent inquiries and names addresses Im not familiar with please remove immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent Transunion a Debt Validation Letter Regarding below accounts XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX To VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from my credit file they maintain under my social security number. As of today its been over 30 days from XX/XX/2024 and Transunion has failed to respond as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ),
Product: Checking or savings account

I received a letter along with a debit card that is linked to a Wells Fargo account ( account # ending in XXXX ) that I never signed up for. I know that Wells Fargo has done this in the past ( signed people up for accounts without their knowledge ), so I wanted to let you know that they are doing it again. I am going to call Wells Fargo to cancel the account after I am finished filing this complaint.
Product: Debt collection

I was contacted by a firm called XXXX XXXX XXXX who told me I owe money on a credit card account from 2009. They said that including court costs and filing fees, I was responsible for {$6600.00}, but that if I paid them {$2000.00} today they would stop court proceedings. They did have a lot of personal information about me and even threatened wage garnishment at my current place of work, which they knew. I got increasingly suspicious and hung up to call the credit card company the debt is supposedly with ( I am still on the phone with them to try to confirm whether this is a legitimate debt ). After I hung up on XXXX XXXX XXXX, they called me four times in succession, which made me even more suspicious. I did not answer because I was on the phone with the credit card company at the time.
Product: Mortgage

My mortgage was originally with XXXX XXXX XXXX XXXX and was sold to Freedom Mortgage recently. When XXXX XXXX XXXX XXXX closed the account my FICO scores for the three major credit reporting bureaus XXXX, XXXX, and XXXX took major negative hits according to my account through XXXX. I contacted XXXX who mentioned Freedom Mortgage must report the home loan with all the past history dating back from the time it was with XXXX XXXX XXXX XXXX. I contacted Freedom Mortgage concerning this issue and their response was they have 60-days to report to the credit bureaus after a loan transfer and refused to report current information. Meanwhile Freedom Mortgage keeps asking if I want to refinance. I DO NOT because my current credit score took a major hit due to the loan transfer which would result in higher rates. This is an extremely shady practice on Freedom Mortgage part.
Product: Debt collection

Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX are debt collectors attempting to collect a medical debt on behalf of XXXX XXXX XXXX. I nor my property have not received any services from Paragon Revenue Group DBA XXXX XXXX XXXX XXXX, XXXX and we are not a party to their agreement with XXXX XXXX XXXX. I have not agreed to pay/tender anything to Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no idea how Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX received our private medical information. I did not sign a medical release of information to Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX. 
Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX violated our H.I.P.P.A. rights once again and is attempting to collect on an alleged debt that does not belong to me nor my property. I have previously experienced unfair treatment with Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX ; also filed with the CFPB complaint no. : XXXX. 
While in the process of this dispute ; Paragon Revenue Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX flagged my credit files with inaccurate/unverified medical debt collection information. Please be advised Paragon Revenue Group DBA XXXX XXXX XXXX XXXX, XXXX are not Holders in Due Course. Paragon Revenue Group DBA XXXX XXXX XXXX XXXX, XXXX provided an unverified debt collection letter via mail dated XX/XX/XXXX. XXXX validation notices were mailed to Paragon Revenue Group DBA XXXX XXXX XXXX XXXX, XXXX physical and mailing address. ( See attachments ) The letters were received via USPS postage XX/XX/XXXX and XX/XX/XXXX. Please note in the highlighted section on the letter provided by Paragon Revenue Group my validation notice was received at both addresses before XX/XX/XXXX. Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX did not validate their alleged debt and flagged my credit files on XX/XX/XXXX, and XX/XX/XXXX proving they do not honorably allow their alleged clients to dispute the validity of their debts before placing their accounts with the bureaus for collection. 
XXXX XXXX dba collection XXXX for Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX sent a copy of proof of stolen medical information that has absolutely nothing to do with Paragon Revenue Group DBA JXXXX XXXX XXXX XXXX XXXX XXXX. 
NOTE : XXXX XXXX 's envelope ( also attached ) was stamped XX/XX/XXXX by the post master and the letter is dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I file this complaint on my behalf because I saw inaccuracies on my report such as PAYMENT HISTORY, ACCOUNT STATUS unknown Inquiries and Mis-spelled name and previous addresses, it affects my financial status this past few months,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to each credit bureau and they refuse to take the inquires that I did not authorized. I authorized one company 16 months ago a 1 mortgage company, XXXX, XXXX  XXXX, XXXX XXXX and XXXX only! I only authorize them to pull them once and if has pulled down my credit and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX which has recently " verified '', EXPERIAN & XXXX are all reporting a collection account, XXXX XXXX XXXX XXXX, AKA XXXX XXXX XXXX XXXX, ACCT. # XXXX IN THE ESCALATED AMOUNT OF XXXX DOLLARS FROM THE ORIGINAL AMOUNT OF XXXX DOLLARS ... .THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX AKA XXXX  XXXXTHE ORIGINAL CREDITOR HAS PERPETRATED " FRAUD '' in my case ... ..I ordered water service at a XXXX sales signup inside a XXXX store.What I signed up for was a XXXX dollars per month service.What I received was substantially higher on the 1st bill, which were surcharges undisclosed to me in the sales presentation ... ..I spoke to XXXX on the phone ... we could not come to agreement ... they would not relent on the undisclosed fees/surcharges so ... .. I told them to come pick up their equipment.They made 3 different appointments to come pick-up their equipment and were no-shows all 3 times.The machine/dispenser sits in my house to this day ... they obviously do n't want it. What XXXX /XXXX XXXX wants to do is perpetrate fraud and 1 ) overcharge on their service,2 )  '' sell me '' their equipment I do n't want, and 3 ) ring up a huge unrealistic tab, give it to an relentless collector who could n't give a DV notice or Debt Validation .... because it would invoice or document their crime as evidence in court .... I have found out from the BETTER BUSINESS BUREAU that this scheme is being perpetrated all over the country. So if the credit bureaus do n't delete.. the CFPB will receive a complaint against the collector/furnisher AND THE O.C. the organizer of the fraudulent financial scheme.
Product: Debt collection

Despite numerous disputes, the erroneous information persists, staining the overall standing of my credit report. I demand immediate action to rectify this issue and request the removal of these inaccurate late payments. 
Account Information : XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the mentioned account, and it is disheartening to see that inaccurate late payments continue to be reported on my credit file. This misinformation is negatively impacting my credit standing and hindering my ability to secure favorable financial opportunities. 
I am formally requesting the immediate removal of the inaccurate late payments from my credit report. The Fair Credit Reporting Act ( FCRA ) mandates a prompt resolution of consumer disputes, and it is imperative that you adhere to these guidelines to ensure the accuracy of my credit report. The prolonged existence of these inaccuracies despite previous disputes is unacceptable, and I demand immediate action to rectify this situation.
Product: Debt collection

Representatives from Weinberg Mediation have continuously called my work number leaving this message on my voicemail. I have told them before not to call me at my place of employment. They continue to call. 

I received this message today ( XX/XX/2017 @ XXXX ). 
This is a final courtesy call from the Weinberg mediation group. Before reporting that you 've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that 's XXXX. Thank you. Good day ....
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. Please delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have requested that the company cease and desist all communication the company is not authorized to collect a debt from me I do not own a debt with them! They refuse to stop reporting on my credit. I have revoked all rights for them to communicate with me
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and opened up fraudulent accounts in my name.

15 U.S. Code and 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 violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Dear XXXX XXXX XXXX or whom it may concern, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX  ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Inaccurate Reporting of Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was charged off in XX/XX/XXXX, but late payments continue to be reported through XX/XX/XXXX. 
Once an account is charged off, new missed payments should not be reported because the debt is no longer an active, revolving obligation. 
This misleading reporting creates continuous damage to my credit score and violates 12 CFR 1002.4 ( a ), which prohibits misrepresenting the status of a credit obligation.

Contradictory Account Information ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The account shows a credit limit of {$600.00}, but the reported balance after charge-off is {$920.00}, which exceeds the credit limit. 
This suggests either improper reporting of fees or a balance that was inaccurately updated after charge-off. 
This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires credit information to be reported accurately, including correct balance and credit limit details.

Failure to Provide Accurate Account Status ( 12 CFR 1002.10 Furnishing of Credit Information ) The balance history shows that no payments have been made since at least XX/XX/XXXX, yet the report continues to mark the account as actively delinquent every month. 
If the charge-off occurred in XX/XX/XXXX, ongoing delinquencies should not be reported because the account is no longer accruing new missed payments. 
This failure to update the account properly violates 12 CFR 1002.10, which mandates that creditors ensure credit information is accurate and current.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information requires that reported credit data must be correct and updated. The erroneous delinquency reporting violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed.
Product: Credit reporting

Please help me, I have disputed previously a couple things with Equifax , provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a dispute letter to XXXX along with my ID I received an email on XX/XX/2023 that it does not appear to be sent by me. I did send the letter and I feel that they are violating my rights by stalling and not having to look into the account. This is not the first time XXXX has done this to me. I sent letters on these dates for the same account and received the stall letter each time XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and now XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the bureaus ' delayed response to my request. I have been a victim of identity theft and have been trying to have all fraudulent information, inquiries, and accounts removed from my credit reports. However, the bureaus have not taken any action despite my repeated attempts to contact them. Each time I call, I receive conflicting information and encounter further delays, and as of today, my issue remains unresolved. 

I am requesting assistance with correcting my address, removing fraudulent accounts and inquiries. 

Address Update : This is my only address : XXXX XXXX XXXX, XXXX, MA XXXX. Please remove all other addresses associated with my name. 

Fraudulent Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXX I have attached my FTC report, ID, and proof of address for your reference XXXX Your prompt attention to this matter is greatly appreciated.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 or other personal consumer reports

I recently requested an updated copy of my credit report. After reviewing, I notice several inaccuracies on my credit report. The XXXX XXXX account is hurting my ability to obtain credit. Credit bureaus like Experian, are supposed to investigate accounts to ensure accuracy. Here is the account that I am asking to verify as accurate or inaccurate : Account name : XXXX XXXX