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

Failure to Correct Inaccurate Information and Unauthorized Account Following Data Breach I am filing this complaint due to the failure of credit reporting agencies XXXX and a creditor/collection agency 5/3 BANK, to investigate and correct an unauthorized account ( XXXX ) on my credit report. This account, with a balance of {$68000.00}, was opened on XX/XX/year> without my authorization and is tied to a data breach that compromised my personal information. 

Relevant Legal Context : This situation involves multiple violations of federal and state laws designed to protect consumers personal and financial information : XXXX XXXX XXXX XXXX  ) Under the XXXX  Safeguards Rule, financial institutions are required to implement safeguards to protect consumer data. The failure to prevent the data breach that exposed my information and led to the unauthorized account violates this obligation. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : CRAs must investigate disputed items and remove inaccurate or unverifiable information.

15 U.S.C. 1681c-1 : Consumers have the right to place fraud alerts and have fraudulent information promptly addressed.

Despite submitting disputes and evidence of identity theft, the CRAs failed to remove the account or investigate adequately.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Creditors and collection agencies are required to validate debts upon request. Despite my formal demand for validation, the creditor/collection agency has not provided proof of ownership or compliance with federal safeguards. 
Virginia Code 18.2-186.6 ( State Data Breach Law ) Virginia requires that affected individuals be notified promptly of breaches involving personal information. The lack of sufficient safeguards and failure to mitigate the impact of the breach contributed to this unauthorized account.

Federal Trade Commission Act ( FTC Act ) The failure of involved parties to secure my personal information and notify me promptly of its misuse constitutes an unfair trade practice under 15 U.S.C. 45. 
Summary of Events : My personal information was compromised during a data breach, exposing sensitive details such as my Social Security number and account information. 
Shortly thereafter, the unauthorized account ( XXXX ) appeared on my credit report. 
Despite submitting disputes under the FCRA, the CRAs failed to investigate properly or remove the account. 
The creditor/collection agency has not validated the account, as required by the FDCPA. 
These failures have caused significant financial harm, including a negative impact on my credit score and denial of credit opportunities.
Product: Debt collection

I consumer XXXX XXXX reviewed my credit report and I notice that Enhanced Recovery Company is violating my rights and defaming my character. I have sent in invoicing outlining the violations that they have violated. According to the laws the are outlining in 15 USC 1692 b ( d ) ( c ) ( e ) ( f ). I am not going to keep allowing my rights to be violated.
Product: Credit reporting or other personal consumer reports

This complaint to TRANSUNION for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Debt collection

As an employee my job is to XXXX XXXX to their XXXX XXXX. The child was underage and to be seen she signed my name on the documents. I am not the patient, I am not related, I am just an employee of an XXXX XXXX XXXX XXXX in a XXXX XXXX. I was billed for medical expenses for account number XXXX for the amount of XXXX and for XXXX XXXX XXXX   XXXX. I am not responsible for these bills and would appreciate my name being taken off any statement regarding this child. I work for an XXXX that should be billed and you can bill the company not the employee or her medical information. I did not allow or give the child permission to use my information to be seen by these medical professionals. I do not want my credit score or personal information affected by this as I work very hard to be in good standings financially.
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Unauthorized Account Reporting** Dear Equifax, I am writing to formally dispute the reporting of an account on my credit report that is both inaccurate and unauthorized. My credit report dated XX/XX/XXXX, indicates negative items related to an account that has been closed for over two years.

I would like to clarify that I do not authorize the inclusion of this closed account on my credit reports. Specifically, the negative report seems to relate to an account that should no longer be visible. Since it has been over two years since the account was closed, it should not appear on my report. 

As per the Fair Credit Reporting Act, I request that you conduct an investigation regarding this matter and remove all items related to the closed account from my credit report. Below are the details from my credit report : - **Report Date : ** XX/XX/XXXX - **Credit File Status : ** Security Freeze in Place - **Average Account Age : ** XXXX XXXX XXXX XXXX - **Length of Credit History : ** XXXX XXXX XXXX XXXX  - **Oldest Account : ** XXXX | XX/XX/XXXX - **Most Recent Account : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - **Accounts with Negative Information : ** 1 Please find attached copies of any relevant documents supporting my dispute.

I look forward to your prompt response and resolution of this matter. You may reach me at XXXX or by email at XXXX if you require any further information or clarification. 

Thank you for your attention to this urgent matter. 

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

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

On XX/XX/XXXX PHH Mortgage took over our XXXX XXXX XXXX Our property taxes were due that month and our statement indicated that {$4100.00} had been removed from the escrow account to pay these property taxes. 

In XXXX of XXXX it was brought to our attention that our property taxes were showing as not being paid and would soon be considered overdue. We reached out to PHH and were told they would research it and get back to us. After 2 weeks of us repeatedly contacting them we were able to have a conference call with PHH and the Tax Commissioner, who had no record of ever receiving their check. PHH assured us a check would be issued and the Tax Commissioner agreed to extend our due date. 

Today we discovered that the taxes have still not been paid and we are about to be sent to collections. After holding for an hour with PHH they assured us that not only had they sent a check to the Tax Commissioner a refund had been issued by the Commissioner to PHH. We again conferenced in our Tax Commissioner and were told that no check had been received and no refund had ever been issued by their office. In addition, the Tax Commissioner informed us that we were not the only PHH customer they were having this issue with. At this point we feel that PHH Mortgage should be investigated for fraudulent practices.
Product: Money transfer, virtual currency, or money service

RE : PayPal. I have used this company for years for quick transactions to vendors and getting paid via XXXX. When receiving the card you can opt to use the balance in the PayPal debit card first, which I did. 

The representative told me that for repeating charges, these charges are automatically taken from the bank. And for one time payments, there is a series of actions I need to take for it to be taken out of the money in the debit card. 

They were not using the money in the card for payments as I was expecting and I had plenty of money for all of the charges going through to be paid. Additionally they told me they try 3 times and they stop after that if they are still getting an NSF. I was charged XXXX each time ( bank statement below ). I even had to go to the bank and withdraw money from the ATM ( PayPal charges XXXX ) to make up the balance in my checking account. 

Since there was money in my account, PayPal deceptively and repeatedly tried to get money from my checking account. I would like for PayPal to reimburse these charges to me and refund the XXXX for the ATM fees. {$180.00}. Also, I would like for them to wipe out any outstanding balance I have with them. This program is designed to put consumers finances in jeopardy. This is criminal activity under the guise of making it easier to work with them. 

XX/XX/2024 PAYPAL RETRY XXXX / NSF ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$42.00} XX/XX/2024 PAYPAL RETRY XXXX / NSF ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$12.00} XX/XX/2024 DEPOSIT / Eff. Date : {$140.00} {$17.00} XX/XX/2024 PAYPAL XXXX XXXX XXXX / NSF ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$120.00} XX/XX/2024 PAYPAL RETRY XXXX / NSF ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$92.00} XX/XX/2024 PAYPAL XXXX XXXX XXXX / NSF ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$62.00} XX/XX/2024 PAYPAL XXXX XXXX XXXX / NSF ITEM RETURNED FEE {$30.00} Eff. Date : - {$30.00} - {$32.00} XX/XX/2024 PAYPAL XXXX XXXX XXXX / ELECTRONIC WITHDRAWAL Eff. Date : - {$2.00} - {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Made multiple attempts to find a payment plan and reduce interest rates. Discover was no help in this effort. Could not meet minimum payments while my hours were cut and turned over to collections. I am looking to only improve my credit score. I do not wish to get another credit card or do not need any loans. I have children and the future is uncertain. Trying to build credit for any unforeseen instances in the future. Thank you
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 personal credit card account opened at XXXX XXXX and XXXX XXXX  on XX/XX/XXXX with a balance of {$270.00}, an personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$210.00}, a personal installment deposit account opened at XXXX on XX/XX/XXXX with a balance of {$100.00}, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$330.00} that appears related to the aforementioned account opened at progressive insurance. These accounts have resulted fraudulent collections appearing on my consumer XXXX credit report. 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: Credit card or prepaid card

When I first got my American Express XXXX XXXX, I had no credit limit. Without informing me they imposed a credit limit of approximately {$2900.00} in XX/XX/2020, when I made {$37000.00} per year. At the time, I tried to get them to raise the credit limit on my card but they said I needed to provide them documents showing I had a change in income or assets. When I did that, they still denied me even though my annual salary grew to {$67000.00}. I then received a subsequent raises to {$78000.00} per year and then to {$80000.00} year. When I called back recently to try and get it raised again, they told me my type of card was not eligible for a credit limit increase, even though they allowed me to submit documents to try and increase it before with the same card. I was told that I qualified for a XXXX XXXX  and that card would be eligible for a credit limit increase, so I got the XXXX  XXXX  ( which has a {$250.00} annual fee ). Recently, I got the XXXX XXXX and tried to increase my spending limit today and was told that with my current card they only increase spending limits when they review accounts periodically, a direct contradiction of what I was told only a week or two ago. I feel like I'm being defrauded and want help. I have looked through my card holder agreement and can't find any mention of this policy.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Product: Debt collection

I called credit management on XX/XX/XXXX almost XXXX XXXX and spoke to a lady. I did not get her name. This was in regards to XXXX ( formerly XXXX XXXX XXXX ) in the amount of {$120.00}. But I told her that I would be will to pay it if they be will to take off my credit and send me a letter about it. I repeat this a few time and she told me they could. She told me I could not get a letter right away that I have to get off the website a day later. I told ok. I paid the full amount with my credit card and asked about get the letter. She told me the website. Then next day XX/XX/19 about 10 I had to call them back because I was unable to get online with my name and last for. I need some number. I cant remember the gender of this one but told them I wish they would give to me the first time because I should have had to call back.. They name a comment that it was only 3 number different from my confirmation number when I paid. I ignored it and got what I need. After review the letter with a place that help me fix my credit it was noted that it said nothing about take off my credit so I had to call back. I called again later that same day XX/XX/19 about XXXX XXXX. I talk to two females. They both have very difficult name. The last one was a supervisor who told me that they did not agree and there nothing in the notes about it. I try to talk to her and she would not listen and kept say that not something that they would agree to.
Product: Checking or savings account

Went to an ATM on Sunday ( XX/XX/XXXX ) morning and it swallowed my 'NOW ' prepaid card and my {$200.00} deposit around XXXX. I filmed the ATM malfunctioning for proof just in case they tried to argue with me. Made a claim dispute during the incident and they said it would be handled in three days and it has been over two weeks and nothing has been done. They refuse to give me back my money even though I have proof that the ATM malfunctioned. When I called a supervisor on regions green line ( XX/XX/XXXX ), she calls the branch manager ( where atm issue happened ) and the manager calls me and starts raising her voice at me ( have audio ), that she's doing her job and she's done basically done with me. I went to another regions location and filed a complaint with that manager. I will be filing a police report and others need to know how terrible regions bank customer service is and that they are thieves out to make a quick buck
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries Equifax XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX a debt collector called an acquaintance of mine in regards to a debt belonging to my deceased father. The debt collector has already been informed by myself that my father passed away in XXXX and has no assets. He is still calling me once a month. Now he is calling acquaintances of my late father to get information about me and my father.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert from my Complete ID credit alert system which showed that my phone number is being used by someone named XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My dob XX/XX/XXXX, not XXXX My name and other personal information seems to be mixed up with someone else, I have mailed in disputes addressing this and it seem as if I am being ignored this is hurting my credit tremendously and I need these accounts removed please, Thank you! I have provided proof of my name, dob, ssc, & address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for AVANTE which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Credit reporting

Every year that I try getting my free annual report from Equifax , they never provide it but entangle XXXX in a web to prevent XXXX from getting their free annual report. I would imagine that many others have had the same problem with Equifax. I have had no problem with getting my free annual report from the other XXXX credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I have filed a total of! XXXX! Disputes with Transunion regarding an account from a XXXX  style debt collector named " XXXX XXXX XXXX  ''. Despite my XXXX disputes, and several letters send via XXXX certified mail, Transunion has failed to properly investigate this issue, has not provided any supporting documentation that this information is accurate, and has blatantly lied about the results. Transunion is violating Metra 2 and FCRA laws, and continues to do so