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

Hi I recently reviewed my credit report and these unauthorized inquires were on it and this is affecting my ability my ability to buy an home.These are the ones that follow... 

XXXX XXXX Finance/Personal XX/XX/2024 XXXX XXXX XXXX XXXX  XXXX XX/XX/2024 XXXXXXXX XXXX XXXX  XXXX  XX/XX/2024 XXXX XXXX XXXX Finance/Personal XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX  XXXX  XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. A couple of years ago i lost my wallet which contained my id and social security card and my information was exposed in the XXXX  data breach.
Product: Debt collection

I received a collection on a debt from Accelerated Portfolio Inc for a debt they said I owed. I disputed the debt with the debt collector asking for additional information confirming it was my debt. I dont recall hearing back from that debt collector. Months hater I receive a letter from another debt collector for the same debt but this debt collector added the debt to my credit report without allowing me to dispute with them. They are saying they are collecting a debt I owe to Accelerated Portfolio Inc. I dont have a debt with Accelerated Portfolio Inc and this shouldve never been added to my credit report as a collection without allowing me to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has 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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX balance {$270.00} High credit is lower than balance, delete for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my PayPal account was Permanently limited from Paypal when I created it, just a few minutes of creation of the paypal business account I got an email and notfication from paypal, and they provided me the Reference ID : XXXX, i think the account was suspended on XXXX XX/XX/2023. 
then i tried to message them but they told they cant provide any service to me as my account has a limitation. 
So i decided to ask the support if they could resolve the issue because i didnt do anything which is against their guidelines i also told them that i have every billing or tracking number from eacher customer i had... but also then they didnt resolve the issue. 

I have opened PayPal account so i can make transactions because i am doing dropshipping business so I have provided the website so that they see i dont sell any products which are against the terms and conditions... I tried to open new accounts but they got banned instantly without even making sales... 
So thats the reason Im here to say you about my problem because i tried a lot of contact them but still they have no reasons and not removing the limitation from my paypal account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX billed my family {$610.00} for treatment rendered in XX/XX/XXXX for the first time on XX/XX/XXXX. Because we were billed for this treatment long after the service date, I questioned the validity of the bill. I contacted the company and verified the debt, but because I had recently separated from my wife, there was some confusion over how the debt would be paid. I eventually contacted the company directly and asked them to divide the debt into two payments, and paid the first half of the debt immediately over the phone by credit card on XX/XX/XXXX and arranged to make the second payment the following month. I made the second payment on XX/XX/XXXX through online bill pay on my XXXX XXXX, and the payment was confirmed by electronic delivery. Little did I know, that despite my efforts to satisfy this debt in a timely manner. They immediately sent the second half of my debt to a collections firm, Prince Parker & Assoc. They did not report to this collections firm that I had satisfied the payment in full, and the collections agency continued to harass me for the debt even after I assured them twice that the debt had been satisfied on the above date. In a third call with an agent of Prince Parker on XX/XX/XXXX, I was told that it was my responsibility to call their client XXXX and ask them to confirm with Prince Parker that the second payment had been received and that the debt was satisfied. At no time did the agent with Prince Parker offer to confirm with their client that the debt had already been satisfied. Given the circumstances, the late billing, my effort to reach out and set up a payment plan, making the payment in full within 30 business days of my voluntarily setting up a payment plan, and XXXX sending the debt to collection anyway, and not confirming in a timely manner with the collections agency that the payment had been received, and the collections agency refusing to verify the payment with their client after two separate phone calls, and continuing to call me instead of their client during working hours. I feel like both XXXX and Prince Parker & Assoc. engaged in bad business and abusive collections tactics.
Product: Credit card or prepaid card

CLOSED MY CREDIT CARD AND REPORTED BAD ON MY CREDIT WHILE I WAS XXXX SINCE THEN THEY STATED AND SENT ME A LETTER STATING I WAS COVERED UNDER SCRA GAVE ME BACK ONLY THE INTEREST BUT NO FINANCE CHARGES, LATE FEES OR CHANGING IT TO 6 % AND REPORTED BAD ON MY CREDIT REPORT. I WOULD LIKE ALL OF THESE ISSUES FIXED
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 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, theyre dispute resolution was unfair deceptive as they did not comply with errors 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

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 XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX  XXXX, GA XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$250.00} ; XXXX  XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$380.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

VALIDATION AND CEASE AND DESIST Collection agency 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, 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.
Product: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX XXXX XXXX XXXX I disputed them and they remain on my credit report!
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) COMENITYCB/ZALES balance {$0.00}, XXXXXXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, DEPT OF EDUCATION/XXXX balance {$38000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this reported information on the XXXX XXXX XXXX account since XX/XX/XXXX and have disputed it multiple times. 

XXXX is reporting this as a repossession when it should be a mortgage, they are also listing a different date of last activity ( XX/XX/XXXX ) than Equifax. In addition, they are the only bureau reporting late payments where there are no late payments. Also, it is obvious that this was never verified as the last reported date is listed as XX/XX/XXXX. 

Equifax is also reporting this as a repossession when it should be reporting it as a mortgage. They are also reporting erroneous positive payments on the account. Their date of last activity is reporting as XX/XX/XXXX, meaning this was illegally re-aged. They also have the last reported date listed as XX/XX/XXXX. 

XXXX is not reporting anything on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment was sent to XXXX XXXX account and it was applied to to separate other XXXX sister companies. Without my permission those XXXX payments went somewhere else. Caused late fees ( but those sister companies held my money until I investigated where my money went to. It was sent back to me after 2 months and now the credit report is reporting late payments.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed an account that was not reporting accurately. 
I had two late payments on an account that I was in fact paid on time, the consumer reporting agencies need to report all information with complete accuracy. 
This account has not been late on payments I've attached a copy of my report to this complaint on the following dates, name and account number. 

XX/XX/XXXX acct # XXXX XXXX 2023 and XX/XX/scrub> 2023 I'm now requesting to investigate this account and update these payments to be paid on time immediately. 
Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I previously submitted a dispute regarding the inaccurate late payment information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( 1 ) ( A ) [ XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) ], you are required to investigate and respond to disputes within 30 days of receipt. However, I have not received a response within the legally mandated timeframe. And I think this migth have to do something with the recently lawsuits against Experian and XXXX and them failing to accurately process and inestigates consumer disputes. The following late payments are : XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} ; XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Balance : - ; XXXX  XXXX XXXX : - ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Consumer Loan

I purchased a car with a loan from Santander USA. Due to my being XXXX and limited toa fixed income, I got behind on my payments. Santander made an agreement with me to allow me to pay a certain amount and have time to catch up the payments. After I had paid the agreed upon amount, the vehicle was repossessed within a week. This was after paying them for almost 3 years and having a little more than a year to go on the loan. They sold the repossessed car, by their choice, then reported a debt on my credit report of more than {$1500.00}. 

The negative report they have given me has blocked my credit for the past 3 years. I 've asked them to remove this debt from my credit report since they repossessed the car AND sold it. - They 've left me with nothing after all the money I payed them and they are ruining my credit with this unfair debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries and collections. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX XXXX, XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. XXXX XXXX ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
Ramirez v. XXXX XXXX ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the following two accounts from XXXX XXXX XXXX XXXX on my credit report with the same partial account number XXXX. Both of these accounts have already been removed by XXXX due to the legal precedent set in XXXX vs. XXXX, which proves that they were inaccurately reported. Both accounts display significant inconsistencies between Experian and XXXX, as shown in the attached evidence. I expect both XXXX and Experian to follow suit and delete these accounts within the next 30 days to remain compliant with the Fair Credit Reporting Act ( FCRA ). 

I have attached copies of my credit report highlighting these inaccuracies for your reference. In accordance with the FCRA, these errors must be investigated and corrected or removed from my credit report. 

Please resolve this matter within 30 days, as is required by law. Failure to do so may result in legal action being taken against your agency.