23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Product: Checking or savings account

I had made a reservation with a resort in XXXX called XXXX XXXX on XX/XX/XXXX in the amount of {$1100.00}. I made the payment through PayPal. XXXX XXXX had a cancellation policy promising a full refund if somebody needed to cancel because we were in the middle of a pandemic. I had to cancel my reservation due to travel restrictions and a XXXX emergency. XXXX XXXX sent me a cancellation confirmation email promising to issue me a full refund which I never received. I filed a dispute with PayPal on XX/XX/2021 and after their investigation they told me the reason they were denying my dispute was because it was my banks responsibility not theirs. So I contacted my bank ( XXXX  XXXX XXXX ) and filed a claim with them and after their investigation they said no, it was PayPals responsibility to handle the dispute not theirs because the payment went through PayPal so my bank denied the claim. So I contacted the resort multiple times over the last couple months and they did not respond. I contacted PayPal again today and told them the situation, and they said I was outside of the 180 day dispute window even though I disputed the transaction 30 days after the transaction was made. ( Well within the 180 day dispute window ) The customer service representative I spoke to today said after reviewing the dispute the reason it was denied was because it was filed under the wrong category of merchandise not received not a refund not received. I was never told that originally when my dispute was denied months ago, I was told it was denied because it wasnt their responsibility it was my banks. So because of their mishandling of my dispute and giving me misinformation, not processing my dispute properly, and refusing to allow me to appeal after it was denied I am outside of my 180 day dispute window and they are saying theres nothing they can do to get my money back.
Product: Debt collection

Company was not given authorization to share sensitive medical information to a 3rd party or outsider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section XXXX credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am formally requesting the immediate removal of inaccurate information from my consumer report. Under the Fair Credit Reporting Act, I have the right to accurate and complete information. The following errors require prompt correction : Late Payment Report Dispute for XXXXXXXX XXXX XXXXXXXX, Account # XXXX, and XXXXXXXX XXXX XXXX, Account # XXXX. Additionally, per 15 USC 1681b ( 2 ), consumer information can not be reported without my written authorization. If this reporting was done without a legally permissible purpose, it constitutes a violation of my rights. Failure to correct these issues may result in legal action, as each willful FCRA violation can incur damages of up to {$1000.00} under 15 USC 1681n.
Product: Credit reporting 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts 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 accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This afternoon, I discovered unauthorized inquiries on my credit report, which left me confused and frustrated. I refreshed the browser to rule out a glitch, but the issue persisted. I urge you to thoroughly review the documents I provided to resolve this matter immediately and prevent future concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

i keep send my letters in about my account that dose not belong to me at all i have sent two letters in all ready about this Situation on XXXX of 2019 and XXXX, XXXX 2019 these are the account dose not Belong to me at all. 

XXXX XXXX  Never had this card or account XXXX XXXX Never had this card or account XXXX XXXX / card Never had this card or account
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Last XXXX SSN : ( XXXX ), Date of Birth : ( XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), an account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an account opened at XXXX XXXXXXXX XXXX opened XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections 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 are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts in Identity Theft. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Debt collection

I have disputed several complaints to TD Auto Financial Services. I am requesting that this company stop reporting the account is past due when the accounts is currently closed. Also, I am currently making payments on the debt through XXXX XXXX XXXX. My balances has decreased on the debt collectors account site vs TD Auto Financial Services account is still showing an outdated balance. I am trying my best to corroborate with this company and resolve the debt, but I need them to do there job by updating the balance and information on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I noticed there accounts that are a result of identity theft. I have been doing everything in my power to get these errors corrected but to avail. I have only ever lived at one address and there are more than fourteen invalid addresses listed on my credit report, I have been given the wrong fax number several times by Transworld Systems so that they could see my identity theft report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am filing this compliant reguarding an inaccurate items on my credit report that continues to negatively impact my credit. Despite my continuing efforts to resolve this matter directly with the reporting agency, it still remains unresolved. I request an immediate investagation and removal of these items, as it is incorrected and dose not reflect my true credit. 

Inaccurate payment history Inaccurate 3 late payments Inaccurate 9 Hard inquries Inaccurate reporting of credit usage XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inaccurate collections XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my most recent TransUnion credit report, dated XX/XX/XXXX, XXXX creditors are showing late payments in consecutive months, that are beyond the statute of limitations. 
1. XXXX XXXX XXXX XXXX  is reporting my account as 120 days late from XX/XX/XXXX through XX/XX/XXXX, although the 7 years statute of limitations passed in XX/XX/XXXX, because the account first became 30 days late in XX/XX/XXXX and continued until XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX  and someone is supposed to call me back. 

2. XXXX XXXX  Mortgage is reporting my account as XXXX days late from XX/XX/XXXX through XX/XX/XXXX, although the 7 years statute of limitations passed in XX/XX/XXXX, because the account first became 30 days late in XX/XX/XXXX and continued until XX/XX/XXXX. I contacted XXXX XXXX  Mortgage and someone is supposed to call me back, but from past dealings with XXXX, I do not expect a positive outcome. 

The bigger problem beyond just XXXX creditor is at TransUnion itself. I called TransUnion today and and was unable to resolve the issue, because a supervisor at TransUnion told me that she could not remove the late payments and it is not TransUnion 's policy to remove all late payments that are in consecutive months that occurred without a break in the late payment status, from the first month that a payment was reported. TransUnion is the only credit reporting bureau that has this policy : late payments in consecutive months that are beyond 7 years of the first late payment are not reported on XXXX and XXXX credit reports. 

Of the XXXX major credit reporting bureaus, TransUnion is the worst, primarily because it keeps late payments, etc., on the credit reports beyond the statute of limitations. The problems that I have with TransUnion are not applicable to XXXX and XXXX.
Product: Debt collection

Convergent broke federal laws written in the Fair Debt Collections Practices act. On XX/XX/XXXX I sent the company an Affidavit of Truth containing documents and proof of the laws that were broken. I have not heard back from the company about this matter. I did not give the company permission to have my address nor telephone number which is an invasion of my privacy and its against the law for purchasing my information without my prior knowledge nor consent. In addition, the company stated I owe a debt, which is a violation of 1692 ( b ) ( 2 ). The company contacted me more than once, which is a violation of 1692 ( b ) ( 3 ). I have telephone records to prove this fact. The company contacted me at an unusual time and place that is inconvenient to me, violation of 1692 ( c ) ( 1 ). The company called me while I was at work which communication is prohibited, violation of 1692 ( c ) ( 3 ). The company would not stop harassing me verbally with their use of obscene and profane language, violation 1692 ( d ) ( 2 ). The company repeatedly used different numbers to call my phone to annoy, abuse, and harass me, violation 1692 ( d ) ( 5 ).
Product: Debt collection

I received a collection notice from Windham Professionals that I owed XXXX insurance company {$300.00}. This seemed off to me as I knew I had paid my homeowners insurance in full in XXXX. The woman on the phone insisted that XXXX put me on a covid payment plan ( they didn't and I didn't require it ). I said this has to be wrong- do you have XXXX ' number? She then gave me their number which was XXXX. When I called that number it was an automated system to buy offers for insurance, roadside assistance, etc. and never once said XXXX. 

I then located XXXX ' real number and was told what I already knew - there is no balance owed and I was paid in full and this was never sent to a collection agency. 

I called back Windham Professionals and asked if this was a scam. They insisted it wasn't. I then brought up the phony number for XXXX. Suddenly she then says she sees my conversation with XXXX in her system and would close out the amount owed. 

I then did some research online and found all of this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also their XXXX employee profiles are mostly empty/seem fake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank has listed me as late on two of my credit cards that I have with them ( express credit card and ulta credit card ) even though I have never, not once, been late. Every time Ive made a payment it has been before the due date yet they have listed me as late multiple times and caused my credit score to go down. Comenity actually placed a hold on my express store card back in XXXX that was supposed to be lifted 15 days after I paid it off that is still on the account so I havent had access to my credit for almost four months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report and saw many discrepancies with many creditors I do not recognize. These account are not mine
Product: Checking or savings account

Hello. I would like to file a complaint because Bank of America has entered into my checking account at The XXXX XXXX and withdrew money without my authorization. The withdrawals took place on XX/XX/XXXX, and XX/XX/XXXX both for the amount of {$160.00}. I have not been a member of Bank of America for years, and I no longer associate with this company on any level. All past accounts has been closed for years. I have contacted The XXXX and they explained to me that the amount of {$160.00} has been taken from my account on those two days, and that it seems to be funded into a 401K account under Bank of America. I have contacted Bank of America and explained that they do not see a reason for money to be coming out of my account as all of my accounts with them had been closed. They claimed that they could not see the amount coming from my account, so they gave me over to Merrill Lynch which operated the 401K plans for a company I no longer work for. Merrill Lynch replied that they had no record of funds being withdrew from my account at The XXXX XXXX. 
I have no where else to turn. Bank of America is withdrawing {$160.00} from my personal checking every year without my authorization.
Product: Credit reporting

This case was never closed and it is currently showing the status in progress. This has been going on since XXXX. Do you think this is just a little past the XXXX time-frame? I demand that the items posted in the XXXX be deleted from my credit report forthwith. Equifax is in direct violation of the FCRA guidelines and conditions. The CFPB is supposed to be on our side and protect the consumer. I do not see any protection or enforcement here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I am in need of removing the following fraudulent accounts and information from my Credit File as soon as possible : 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 XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. Also, you have been failing to verify to me the accuracy of the disputed accounts and yet you have been claiming the these items have been verified. You have failed to meet your responsibilities.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These unauthorized and fraudulent inquiries are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtedness, which means it is income. Income can not be reported to your credit report, it must be removed from my credit report. 

The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections.