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

XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 

XXXX XXXX XXXX XXXX CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. HOW DID THE CLOSED DATE CHANGE? 
THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK XXXX XXXX XXXX DID THIS ON PURPOSE OUT OF SPITE TO DAMAGE MY CREDIT FILE I HAVE PROOF ON DOCUMENT!!! VIOLATIONS!!! 
XXXX & EXPERIAN ARE FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ITS REPORTING INCOMPLETE & INACCURATELY )!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 


EXPERIAN VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) XXXX. EXPERIAN THERE IS NO CLOSED DATE 2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. CHANGED CLOSED DATE : TO XX/XX/XXXX ( HOW DID CLOSED DATE CHANGE? THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK XXXX XXXX XXXX  DID THIS ON PURPOSE MAJOR VIOLATION DELETE IMMEDIATELY ( XXXX XXXX XXXX XXXX CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 
XX/XX/XXXX CREDIT REPORT XXXX MAJOR VIOLATION DELETE IMMEDIATELY XX/XX/XXXX CREDIT REPORT XXXX ( XXXX XXXX XXXX XXXX  CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 



2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) 6. PAYMENT FREQUENCY : MONTHLY ( EVERY MONTH ) ( SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX XXXXXXXX, and XXXX This has caused me great XXXX stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

This inquiry is unauthorized according to15 USC 1681B2. This inquiry is listed as follows on my credit report as XXXX XXXX XXXXXXXX dated XXXX, XXXX XXXX, XXXX XXXX dated XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  dated XXXX, XXXX XXXX XXXX dated XXXX, XXXX XXXX XXXX dated XXXX, and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I purchased a replacement battery for my computer on XXXX using my credit card. The battery did not work. I requested a refund or return from XXXX, but XXXX refused. I disputed the charge on my card, but Citi said I had to pay for the defective product anyways. I refuse to be taken advantage of by Citi for this. This is outright fraud and theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from the Bureaus. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own 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, AMERICOLLECT INC XXXX XXXX XXXX XXXX XXXX XXXX have 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 also states, '' a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A.states i have the to privacy.

15 u.s.c 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$680.00} Terms - On record until XXXX XXXX Account info Account name XXXXXXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$170.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$590.00} Terms - On record until XX/XX/XXXX Account info Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$140.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$380.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$440.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$6200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Mortgage

Wells Fargo, my Mortgage Company is forcing me to have an Escrow Account on my existing mortgage that I took out in 2004. I have n't had an escrow account since I took out the mortgage, now they say I have to have one and I have no choice. 

Now I have had a couple late payments in the past 12 months and I did pay my property taxes late, but my mortgage is current and so are my property taxes and insurance. I got less than 30 days notice that I had to have an escrow account. I called and said " no way, I do n't want one ''. They submitted my request and I got back a decline on my request due to my payment history and that my FICO score has gone down since I closed the mortgage ( in 2004 ). I personally do n't believe that either of these two reasons are justification to open an escrow account against my will. I do n't remember anything in the closing papers saying they had the right to open one against my will and force me to pay it. 

My mortgage balance is only about 30 % of the market value of the home. Then to top that off, the escrow account almost doubled my monthly payment. I think this is how they plan to steal my house since I have over $ 200K in equity. 

What are my options? I ca n't pay my mortgage with their estimated escrow amount ( which is more than double what it should be ). 
Can they force me to have an escrow account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX and Experian removed bankruptcy from credit report and then placed it back on credit report. I have requested numerous times to have it permanently removed. By law, the 5 day rule would apply to advise PRIOR to reinstating information previously removed from credit report. Additionally, the listing exceeds 7 years, which is the maximum amount of time allowed to report on credit report.
Product: Debt collection

Received this in the mail i do not know what this debt is for.
Product: Money transfer, virtual currency, or money service

MONEYGRAM MUST FURNISH ALL DOMESTIC AND INTERNATIONAL WRE TRANSFERS MADE TO XXXX AND OTHERS.. XX/XX/XXXX-XX/XX/XXXX SEE MONEYGRAM REWARDS NO.XXXX, SEE XXXX XXXX XXXX   RECORDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts with your organization and with the original creditors below. The creditors have failed to respond in the allotted time of 30 days as mandated by the FCRA. Certified letters were sent to the following creditors on the specified dates below : XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX - Failure to respond to dispute ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) XXXX XXXX XXXX XXXX - Disputing all late payments reported on credit report ( Dispute Sent XX/XX/2018 ; Dispute Received XX/XX/2018 ) Copies of dispute letter and certified receipts of the above accounts are included with this complaint.
Product: Bank account or service

On  XXXX   XXXX ,   XXXX   at   XXXX   XXXX   XXXX   XXXX   I arrived at the Chase Branch located at  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX  NY  XXXX  to Withdraw a  XXXX  dollars from my  XXXX  checking account. I proceeded to make my withdraw at  XXXX , and the ATM registered my withdrawal of a {$100.00} dollars plus {$3.00} charge but it did not dispersed my cash. I then went inside and tried one of the atm and I withdrew the {$100.00} at  XXXX . This time the atm dispersed my cash. However now I am missing {$100.00} dollars from my  XXXX  checking account. My  XXXX  statement shows the withdrawal of {$100.00} twice which is not accurate. Please help me with this issue that is very important to me. I am very disappointed with the service that Chase provides to the public. That 's the reason I am filing this complaint. Thanks very much for your assistance.  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

Inquiries appeared on my credit report from companies that I do not recognize, or did not authorize to receive my credit file
Product: Debt collection

I received an email showing my credit report had changed so I logged into to XXXX XXXX to review it. My score went down XXXX points and it mentioned an XXXXXXXX XXXX XXXX XXXX. I have never had an XXXX XXXX XXXX account. When I called Sunrise Credit Service collection agency, they gave me information that was NOT mine. The address was in XXXX, TX, the phone number was not mine and the email address was not mine. 
They said this account opened in XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Hard Inquiries XXXX XXXX XXXX  XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX- XX/XX/2022 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 : It also states a consumer reporting agency can not furnish A account without my written instructions XXXX XXXX XXXX- XXXX 2022, XXXX XXXX XXXX XXXX 2022, XXXX- XXXX 2022.
Product: Checking or savings account

I was a loyal customer of HSBC for many years, however, my account was closed without any notification recently. I received their eStatement on XX/XX/2021 and was told that the account was closed on XX/XX/2021 due to no activity. I used their mobile apps occasionally to check my balance. I also have their email confirmation that they have my correct address. 
They just closed my account without any notification and turned over my money to the state abandoned property. Their excuse is that they tried to reach me with different address. However, as I mentioned that I have proof that they have my updated address. I can not believe that a bank treating their customers like this will survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am creating a new complaint as a follow up to complaint ID XXXX that was closed without a resolution. Essentially, Equifax has claimed that my credit file does not exist in their system, despite verifying with all my lenders that they have been sending my credit history to all XXXX credit bureaus, including Equifax, with the correct information. 

I have now contacted Equifax for the XXXX time, previously faxing XXXX pieces of documentation to verify my identity -- A passport, W-2 ( which includes the SSN # ), a utility bill with my current address ( XXXX  internet bill ), as well as a recent bank statement that includes my current address -- and have been turned away saying that this does not match their records. This time they told me to return their response letter with documentation verifying my identity and current address. 

Once again, I am receiving credit reports from XXXX and XXXX with no issues, but not Equifax despite having a significant credit history. 

I have mailed XXXX pieces of documentation as requested ( XX/XX/21 ), my latest paystub with my full name, current address and SSN, as well as a copy of my driver 's license with my full name and current address. I am applying for a home mortgage and this blank credit report from Equifax is preventing me from doing so. This is the last time I intend on sending documentation to get this resolved before I'm forced to take legal action against Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a payday loan three of four times and was paid in full ... after the fourth payday loan the amount and fee was high. I Asked if this will help my credit score because i had payed good four times and they advise they dont report to credit berues agencies so since i was on the forth loan with a high amount or because they traped me to get the loan i asked '' so if i cant payed it they wont report me '' ... cause it is not fair if i pay they will not report it but if i dont pay for it why reported if they dont report when the accounts are payed ... i think is unfair..named is XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ... .. XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX ) XXXX and this is who reported me without authorization from me or not knowing i already payed four paydayloan ... .s and want to report them ...
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX my balance was {$100.00} which was never reported. There was two credits that posted on XXXX/XXXX/XXXX for Late Fee AdjustmenXXXX of {$37.00} and Late Fee Adjustment of {$25.00}. There was a payment made on XXXX/XXXX/XXXX for {$260.00}. Credit report does n't show payment status for XXXX XXXX nor correct balance for XXXX XXXX. Billing statement does not show payment on XXXX/XXXX/XXXX.
Product: Credit card

My husband and I agreed to have our credit run to see the cost of a time share In XX/XX/year> with XXXX at XXXX XXXX XXXX in XXXX XXXX. We specifically told the representative we were not interested in opening an account just to look at the numbers. In XXXX our credit was ran for a mortgage loan application. We received a copy of the credit report in XXXX. On the report it showed a {$15000.00} line of credit through Barclay Bank of Delaware. Neither me or my husband received an information in person, through the mail or through email that an account was opened in our name. I contested the account through XXXX, XXXX and XXXX. Barclay reported to the credit unions the account info was correct. I called Barclay Bank of Delaware, they asked for our account number I explained we didn't have it because we did not agree to open the account. I asked for the account to be closed. They transferred me to another representative in the fraud department. I told that representative that I want the account closed we never authorized for the account to be opened in our name. The rep told us it would be closed. We had our credit pulled again in XXXX. This time it showed that we had an account with Barclay for {$20000.00}. On the XXXX credit report it under Barclay it states it needs Social Security and phone number for borrower. 

We still have not received any documentation of the existence or closure of the alleged account.
Product: Debt collection

These debts are at a XXXX balance and the other medical bills I have on my credit is due to having insurance since XX/XX/2014 that is still on my credit report and I would like these removed I do not owe these Medical bills due to none payment from the insurance company.
Product: Bank account or service

I had theft on my XXXX bank card I filed a claim and Wells Fargo promised to send me the forms to complete this never occured. In visiting the XXXX branch in XXXX on a Saturday, I met with a banker and assistant XXXX they were unable to provide me the forms to sign. They contacted an internal department via phone and we waited on the phone for over an hour with no response. The branch XXXX at this location was suppose to call me and never did. As a result my account has now been charged off internally, and a refund of {$83.00} from an outside vendor ( XXXX ) returned to my to my Well Fargo Visa Debit card has now disappeared because my account. I have spoken with the XXXX numerous times I need help.
Product: Mortgage

Amount deducted from escrow account for property tax payment is different to the amount actually paid to Tax Collector. Lender stated on prior complaint 's response letter that they needed until XX/XX/19 to resolve the issue. Deadline has passed and lender has not resolved the issue. Escrow account still shows incorrect amount of payment made to Tax Collector for property tax and it has not been credited for the difference, {$660.00}.