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

This is not a duplicate report and this is not filed by a third party or credit repair agency. In accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to - USC 1681 Section 602A states that I have the right to privacy.- USC 1681 Section 604 A Section2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX acct. # XXXX ; XXXX XXXXXXXX XXXX XXXX # 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 XXXXXXXX XXXX XXXX. Furthermore, please provide the following : 1- The original contract with my signature on it. 2-Creditor information ( name, address and phone #, of original merchant. 3- The payment history and itemized billing associated with each account. 4- Proof of ownership ( proof that the company trying to collect this debt has authorization to do so ). If you can not provide these things, please delect these accounts from my credit report, Thanks!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

I have been a victim of identity theft and numerous credit cards, bank accounts, and cell phone accounts were opened using my information and the balances were left unpaid. I previously submitted a complaint ( XXXX ) on XX/XX/XXXX against Equifax with CFPB. Despite receiving the FTC ID Theft report and police report, Equifax did not remove the information despite many requests and disputes. After filing the first CFPB complaint, Equifax finally removed the accounts and responded to the complaint stating they did so because of a referral from another credit agency. However, just a few months later they put these accounts back on my report. 

Equifax has received information in excess of what is required to remove the unauthorized accounts. Despite telling me and CFPB they were permanently blocking the information they placed it back. The 5 accounts are listed below. I have also filed yet another FTC ID Theft report and attached it to this complaint. 

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

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX )  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. 
Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1300.00} CAPITAL ONE XX/XX/XXXX Balance {$310.00} XXXX XXXXXX/XX/XXXX XXXX : {$2400.00} XXXX XX/XX/XXXX Balance : {$700.00} XXXX XXXX XX/XX/XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$530.00}
Product: Mortgage

I paid my Flood insurance Policy in Full before changes to Monthly payment go in effect starting XX/XX/XXXX. Sent the Info to Wells Fargo, My insurance Agent even talked to them. They are saying the even thought I paid my policy for XX/XX/XXXX - XX/XX/XXXX in full {$970.00}, Wells Fargo will still escrow my policy payment the same already paid of {$970.00} and increase my monthly payment to cover cost thus adding additional {$130.00} to my payment to bring me back closer to pre refinance amount. I have spoken to the Insurance dept, Escrow dept, Customer service dept and many more at Wells Fargo and each provided a different story. I have asked for clarification and was told that I should give up paying my policy every year in full and let them just do escrow. This is clearly a con by Wells Fargo to make me pay double the amount for insurance.
Product: Credit reporting or other personal consumer reports

I do not recognize the account, please send me documentation proving that I owe the alleged debt at all
Product: Money transfer, virtual currency, or money service

I hold a PayPal business account which utilizes a debit card that draws its funds from my PayPal account balance. On a recent road trip I secured both a rental car and hotel accommodations that required a preauthorization amount be charged that included a refundable security deposit. After car is returned or check-out done at hotel, the merchant some time later finalizes the preauthorization charge to complete the transaction and indicate the balance that represents the security deposit may be released from hold into the customer 's account. 

My PayPal account posted the finalized transactions of both these charges, but in each case did not refund the balance of the original preauthorization charge to my PayPal account balance. I have had many charges like this in the past with PayPal, and always been credited back the deposit as soon as the final transaction posted. 

On XX/XX/24 I called PayPal customer service, who confirmed the security hold charges of {$45.00} for the rental car ; and {$50.00} for the hotel, were being held by PayPal and that I would need each merchant ( XXXX XXXX ) to provide on company letterhead an exhaustive list of satisfactions ( attached ) to indicate no claim of the PayPal-held security deposit. Alternatively, the service rep explained I could wait for the held funds to be finally redeposited into my account SEVEN ( 7 ) days later for the rental car ; and EIGHTEEN ( 18 ) days for the hotel. 

I've made these transactions hundreds of times before and had no issue with the funds being redeposited immediately upon final posting of the transaction. To make matters worse, there is no indication that you have funds being held or when they might release. The original preauthorization hold disappears from view and you're left wondering where the {$100.00} you were desperately waiting to free up went. That is inevitably followed by an hour-long attempt to contact customer service. Please closely examine the " release requirements '' demanded by PayPal for expedient resolving of the matter. Is it reasonable to ask a consumer solicit this detailed response from a XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 i sent a dispute by certified mail for this said debt with HP Sears ( XXXX XXXX ) in the amount of {$2000.00} to validate this amount owed. With no response I filed a complaint here in a separate complaint against the creditor. In which The creditor agreed to have this alleged debt removed from all 3 bureaus Within 45 days after failing to provide proof. The collection was removed from XXXX  and XXXX but remain on XXXX. I followed up with the Bureau twice since then, requesting they remove the debt and was advised that they never received notice to do so. This creditor has also not reported since XX/XX/XXXX. I am asking that the Bureau XXXX remove this debt immediately as promised and report accurate information
Product: Credit reporting or other personal consumer reports

My account with DEPT OF ED/XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPT OF EDXXXX AND 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 21 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING AND REQUESTING FOR VALIDATION FOR THIS ACCOUNT FOR OVER 280 DAYS. THEY HAVE FAILED EVERY TIME TO SEND ME ANY SORT OF DOCUMENTATION PROVING THIS IS MY ACCOUNT IN ANY WAY. I HAVE REQUESTED THAT THEY REMOVE THE ACCOUNT FOR FAILURE TO ABIDE BY THE FCRA. THE LAST TIME I SPOKE WITH THEM THEY TOLD ME IT WAS REMOVED AND THEY WERE NOT REPORTING IT. THAT WAS A LIE. THAT WAS OVER 60 DAYS AGO. THEY HAVE NOT COMPLIED BY THE LAW AND REFUSE TO REMOVE THIS FROM MY REPORT MY LAST LETTER STATED This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days or more, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.
Product: Checking or savings account

My wife ordered an XXXX XXXX back in XX/XX/2021 for {$310.00} and it posted to our TD checking account as a debit. The account number is XXXX. The transaction was originally authorized by my wife but we never received the merchandise and never received a tracking number despite numerous requests!! 

Plain and simple everytime we complain about this to TD Bank they agree with us, do a provisional credit but for some inexplicable reason it is always reversed in the merchants favor saying that there was no error.. FOUR TIMES NOW!!!! This has nothing to do with an error!!! The transaction was authorized.. This has to do with the fact that the company has yet to provide any proof that we signed or even received a package .... we never received the package!! We are saying we never got it, why do they get to keep our money??? 

I don't know on what planet they are justified to get to keep my money when they never provided any proof of us receiving this package.. It makes no sense... The doorman never received it and I certainly never received it or signed for anything, they have no right to keep my money. The fact is is that the TD Bank representative always seems to agree with us on the phone and reopens the case but then for some inexplicable reason we are told there was no error. Again this has nothing to do with an error... the transaction was authorized we just never received the package... There was never any proof of us signing for it there's never been any proof of us ever getting it delivered to our door. TD bank has to do better... This is ridiculous they have been totally unhelpful.
Product: Credit reporting or other personal consumer reports

On XXXX, I notice that I was impacted by the XXXX Data Breach. After reviewing my reports I noticed unauthorized accounts and inquiries on my consumer report. I would like for these accounts to be removed. Account : XXXX XXXX XXXX Inquires : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I mailed certified letters to XXXX, XXXX, and Transunion stating that the information that they are reporting is not accurate and the information that they are reporting is error. Like my Name, Address, Late Payments, and Closed accounts, the consumer reporting agencies said that the accounts were accurate. the law says 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.ALSO 15 U.S Code 1681a ( 5 ) ( A ) ( i ) ( ii ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Money transfer, virtual currency, or money service

I'm having a lot of trouble because my PayPal still holds
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank is incorrectly showing balances on my account that have been paid. I have tried several ways to notify them that they are incorrect. They will not respond or correct it.
Product: Debt collection

In XX/XX/XXXX of XX/XX/XXXX, Medical Data Systems began reporting two medical collections from XXXX XXXX Hospital in the amounts of {$330.00} and {$2000.00}. I do not owe these amounts, as I was employed with XXXX XXXX at the time of treatment and told, directly, that anything not covered by my insurance would be written off as charity. This is a practice the hospital regularly engages in, and I should think Medical Data Systems is aware of this. I never received a bill from the hospital, so of course I assumed this was done and I had nothing to worry about. In XX/XX/XXXX, I was denied a loan and found that I had these collections reporting to bring my score down. This was the first Id heard that the debts existed and I disputed them with the various reporting agencies. They were verified as accurate by Medical Data Systems and continued to report. I then attempted to dispute the debts with Medical Data Systems directly, on XX/XX/XXXX. It has been almost three months now and I have received no response. The collections remain on my credit reports. I do not understand how they report debts and verify them without any proof, especially when directly asked for the proof.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS MUST BE REMOVED. XXXX HAS A BREACH I WAS AFFECTED BY AS WELL AS TRANSUNION AND XXXX. IT IS YOUR RIGHT TO REMOVE THESE ACCOUNTS IMMEDIATELY! 

I received a copy of my credit reports and am writing to dispute the following fraudulent accounts information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

I have been a victim of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$13000.00} XXXX XXXX  XX/XX/XXXX {$6300.00} XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX BANK ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

This is my 5th request 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$520.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize my debt or personal information to be sold to Credit Corp Solutions on XX/XX/XXXX in the amount of {$550.00} I did not authorize my debt or personal information to be sold to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$570.00} I did not authorize my debt or personal information to be sold to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$590.00} I did not authorize my debt or personal information to be sold to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$700.00} I did not authorize my debt or personal information to be sold to XXXX XXXX  on XX/XX/XXXX in the amount of {$900.00} I did not authorize my debt or personal information to be sold to XXXX XXXX on XX/XX/XXXX in the amount of {$1300.00} I have contacted these companies asking for proof of my consent and none have been able to provide me the proof that I authorized any of these sales of my debt or information.