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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX  XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$81.00} Charged off XXXX XXXX XXXX  Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$80.00} Charged off XXXX XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$630.00} Charged off XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$1500.00} {$0.00} Late/Closed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number XXXX Balance : {$1500.00} Collection XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$410.00} Collection XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection Inquiries in Dispute : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

I called Flagstar bank informing them that they were modifying my escrow in violation of 1024.17 ( c ) ( 1 ) ( ii ). None of my escrow debts have increased and yet they are forecasting that I will be below my {$350.00} minimum cushion and therefore I must pay an additional {$310.00} to stay at or above the 1/6th estimate of my escrow account. I called them and attempted to inform them that the my Escrow should have {$1400.00} annually as my insurance is paid straight from my checking and they maintained that they pay it - yet could not provide me with accurate insurance information.

The representative then told me It's my fault and I needed to rectify the situation and then would not listen to my explanation of the fix. And instead kept reading that they could not allow my account to go BELOW 1/6th of the estimated annual payment.
Product: Debt collection

I am disputing a letter that I received from a collection agency for a debt that I never had.I have been victim of ID fraud and I am disputing this collection as fraud ID theft. Please close the account and remove the entries from my credit report from all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act. 
The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

15U.S.C 1681 section 602 A. States i have the right to privacy.

15 .U.S.C 1781 64 A section 2 : it also state consumer reporting Agency cannkt Funish a account withiut written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) section 2 States : No consumer reporting agency may make any consumer report containing any of the following items of information qnynother adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
15U.S.C 1681s-2 ( a ) ( 1 ) a person shall not funish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I was never late on this account. I have made all my payments on time. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX. 
I never had a contract with this debt collector for any debt. 
XXXX account with account # XXXX opened on XX/XX/XXXX. 
This account is incorrectly being reported as a charged off account with a balance due. 
XXXX  account with account # XXXX opened on XX/XX/XXXX. 
XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. The current payment status of 90 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX I am writing to dispute the following information that appears on my Transunion report XXXX XX/XX/XXXX : XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 60 Delinq is incorrect because the balance due on this account is {$0.00}. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
Collection account from XXXX XXXX with account # XXXX. 


XXXX XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX. 
XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX Collection account from XXXX, XXXX with account # XXXX.
Product: Checking or savings account

XXXX XXXX : I mailed by Federal tax return check to " IRS XXXX for {$25000.00} XXXX XXXX : " XXXX '' withdrew the check of {$25000.00} from my account. JP Morgan Chase Bank let her withdraw the money although it being clear wash check. did NOT inform me and send incorrect communication XX/XX/XXXX : i got aware of the check fraud which JP Morgan Chase Bank enabled and did not prevent/support. I opened a check fraud case- and submitted a case at JP Morgan XXXX Local Police and XXXX XXXX XXXX XXXX 
XX/XX/XXXX : I put stop on all my checks- as JP Morgan is prevelant with fraud. 
Multiple times : Every time I called for an update or to fill a form, I am being told to XXXX JP Morgan Chase bank office. This requires to take time off from my work and put my work at risk ( at current time of high layoffs ). 
XX/XX/XXXX : I was told i will not get my money back till XXXX or XX/XX/2023 ( or later ) XX/XX/XXXX : I still have > {$9000.00} in my checking account. Tried to withdraw {$2000.00} from my account. JP Morgan Chase did NOT let me withdraw the money XXXX of above issue. I had to escalate and call my banker. Even for future withdrawals, I was told i will reviewed and it will not be an simple transaction. 

For someone who has defrauded of {$25000.00} and is a victim ( as confirmed by Local police and XXXX XXXX XXXX XXXX ), JP Morgan Chase bank is treating me like I frauded them.
Product: Credit reporting or other personal consumer reports

experience all credit companies I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit
Product: Debt collection

At the beginning of XX/XX/XXXX, I went to purchase a vehicle and found out during the process that Choice Recovery reported an alleged outstanding debt of {$190.00} owed to XXXX XXXX XXXX   at XXXX XXXX XXXX, XXXX, FL XXXX for services rendered back in XX/XX/XXXX. 

I reached out to XXXX XXXX, who referred me over to their third party billing company. When speaking with that billing company they repeatedly tried taking the payment and never stated that this account was in collections or even read the FDCPA collection language. 

I then contacted Choice Recovery, who stated they sent multiple letters and made multiple phone calls. The address & phone number they had on file were obsolete as I had moved and had a new cell phone provider with a new number. They refused to remove the item from collections, but proceed to try and collect the alleged amount owed. They stated they verified the debt. However, I never received the chance to dispute this alleged debt before it was reported to the credit companies.Which is another FDCPA violation. 

To date, they have failed to provide me with the opportunity to start this process over and provide the required notices per the FDCPA. 

I am happy to discuss this matter futher.
Product: Debt collection

RASH CURTIS & ASSOCIATES - I have requested verification this XXXX debt belongs to me and debt collector fail to response. After deft collector receives dispute they increase balance by {$1.00} to avoid providing verification. I have not received any notices from debt collector.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized and fraudulent account that appears on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following account on my credit report that I did not authorize or provide written consent for and have no knowledge of : Accounts : XXXX XXXX : XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX Inquiries : XXXX
Product: Debt collection

I received a letter from Credit Collection Services dated XX/XX/XXXX advising of a debt. I contacted Credit Collection Services that stated I only had till XX/XX/XXXX to pay said debt. This is clearly a violation of the Fair Debt Collection Practices Act section 1692G. 

I have notified the agency of my intent to file suit under both the FDCPA as well as under the Kansas Consumer Protection Act. 

I have attached said evidence to support these claims.
Product: Debt collection

This company is reporting to all three credit bureaus ( XXXX  and XXXX ) on my consumer credit report multiple conflicting and inaccurate information, including various account types, dates, credit limits, and payment history. The mentioned credit bureaus are also reporting these inaccuracies. I have requested proof with a signed contractual agreement from the company and disputed these inaccuracies with the credit bureaus but received vague verified responses with no proof and continued attempts to collect. It is my right as a consumer to dispute any and all inaccuracies and request appropriate validation of any accounts. These inaccuracies are in violation of the following laws : FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre ; US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan ; FCRA Section 623 ; CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 ; and FCRA Section 611 Part ( A ) ( 1 ).
Product: Credit card or prepaid card

Capital One Card. I get my statements by email, have for years. I get a notice that my statement is prepared and I go online and set it up to pay before the due date through my bank. Then I get a notice a few days before due date. Have done this for years. In XXXX I did not get a bill or any notice. I had a large refund on there I knew from an insurance policy so I knew it would be a while to draw down the credit. Did not get the first or second notice. Also didn't get notice of my XXXX statement. Went on line in XXXX and saw that they prepared a statement in XXXX and never sent it to me. They hit me with no payment fee of {$25.00} and interest. Also my XXXX statement was on there from a week earlier. I keep all my emails and went back thru them and I did not receive any emails from them in XXXX or XXXX. I checked by name and by the dates of their statements going before and after a week on each. No notice. I quickly paid XXXX and called them today XX/XX/19. I spoke to a person named XXXX who said that they are having problems with their computer system and it has had a good bit of downtime. Seems odd that I missed two notices for XXXX and one for XXXX. Said he can't due anything about the interest and a supervisor said the same thing. They can't explain why I didn't get billed and aren't concerned that it is still happening.
Product: Credit card

Consistently, I've made sure payments on this account are always on time, never allowing them to fall behind. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I filed chapter XXXX  bankruptcy. This is an outright lie. I have never filed chapter XXXX. The attached letter was sent to my mortgage company as proof.
Product: Debt collection

XXXX sent a false loan verification over to XXXX XXXX in XXXX stating that I took out a loan in the amount of {$420.00}. In fact the loan was canceled in XXXX and I have proof of it, while providing that proof to the bank they have refused to send the money back that was taken. They have also retaliated by submitting false information to the credit bureau stating that this account was late and defaulted by reporting rolling XXXX lates to all three agencies. I have since disputed asking for the note that was signed for this loan amount of which they have not been able to provide.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX  I recall that my XXXX went XXXX  and shut it off when I turned it on a XXXX  XXXX  hover over it and I took it to a repair shop here in florida the repair person told me my phone was hacked and he stated that nothing happend XXXX  of you to turn off the phone, XXXX took me five hours to recover all my information as XXXX  XXXX  showed also after that incident I did not pay any mind to it my girl firend and I are engaged and trying to buy a house it is XXXXXXXX XXXX when the real estate agent ran my credit two XXXX  accounts showed up as mine nothing of that I dont have a XXXX  card I called XXXX and they told me nothing we can do pay up or we will send collections notification never got any I bessech you helped me and let me get a striaght answer to this neglect
Product: Checking or savings account

On XX/XX/XXXX I went to website to manage my account and this message came up I went to the website to review my account the I received the following error. 

Hmm, something's not quite right. 
Access seems to be down at the moment. Thank you for your patience - things will be up and running soon. 
XXXX TD Bank, N.A. All Rights Reserved Please investigate this website ensure that it working and operating according to United States Federal Regulation and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations Now this supposed be online bank made easy this is not easy when you are not allowed to access you bank account or make transfer to any account. I called customer services regarding this and they said that they unable access my account and make transfer to my checking I would have go into the branch for access is this legal to offer services and the bank and the customer services is not able to assist and please investigate this store or bank ensure that it working according to United States Federal Regulation and all misconduct and mismangement found all individuals involved be convited according to United States Federal Regulations
Product: Credit reporting or other personal consumer reports

Hard inquiries Not authorized and demand removal from the three CRAs : XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year>XXXX XXXX Inquired on XX/XX/year> XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consumer XXXX XXXX and I'm reporting EQUIFAX who has continuously reported my private nonpublic information without written my consent and did not have PERMISSIBLE PURPOSES to so so. My private information was and still is compromised in the 2017 EQUIFAX DATA BREACH. EQUIFAX has caused the consumer grave harm and financial hardship. EQUIFAX has committed identity theft by reporting, selling, and furnishing my private information without my written consent. Harm has been caused before my information was in the data breach and the consumer will forever be harmed knowing my private information has been breached do to the noncompliant and willful negligence by EQUIFAX. EQUIFAX has violated my privacy, has violated my consumer rights pursuant to the Fair Credit Reporting Act. EQUIFAX has a fiduciary duty to protect my private information if they had my consent in which they did not. EQUIFAX did not have my consent and they failed to protect my private information. EQUIFAX also violated the Gramm Leach Bhilely Act 15 U.S.C. 6809. Consumer is sick and stressed out every day do to worrying about my privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Involved in my consumer report I notified the credit bureaus due to these inaccurate accounts on my consumer report to be removed, Due to these accounts I was not able to get a rental property because of that accounts on my consumer report that is not accurate, I request for those to be deleted I never received any information in the past due to their in reinvestigation they have not provided completed documentation information stated how did they validate accurate information and no one from any agency did not speak to me myself during the investigation as well. And also due to the data breach, my information has been stolen and sold to XXXX knows who I feel unsafe with these companies. Entrusted my information with I was not notified
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am filing a complaint against : Equifax Credit Bureau, XXXX. XXXX XXXX, XXXX, Ga XXXX, for inaccurate information and not following the law, FDCPA section 807 ( 8 ) and  FCRA section 623 ( a ) ( 3 ). I have attached multiply registered letter to both Equifax and XXXX XXXX, XXXX As well as the only papers I have ever received from XXXX XXXX, XXXX. 
What am I looking for you might ask? Information such as a copy of the original contract that they say I physically signed, supposedly agreeing to their payment terms when I opened this account. 

Not only have they ( XXXX XXXX, XXXX. ) failed to furnish me with a signed contract of monies they say I own, they ( XXXX XXXX , XXXX. ) continue to put remarks on my credit file via Equifax Credit Bureau. I have sent several certified registered letters to them asking for signed contract of debt. They have only sent me information generated invoice from their company. 

Verified : The collection agency may provide you with what they call proof, such as an itemized printout of what they claim is your account or billing statement. The FTC has issued an article on this subject, and concludes that an itemized printout does not represent verification. 
Unverifiable - you may want proof that a debt collector has the right to collect from you, and you find out that they dont have your original hand- signed contract on file anymore - paperwork gets lost. No proof of contract means no authority to report or collect from you. 

I also sent Equifax Credit Bureau information about the company in question. Equifax has not been so forth coming, saying that they have spoken with and validated the information to be true. Yet I still have not received any evidence to prove that fact. 

I would appreciate any help in this matter would be great. This matter has been going on for over a year now. 

Thank you Reference to : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Inaccurate Information under USC 15 1681i Dear, Equifax, I am writing to dispute the accuracy of information on my credit report as allowed under USC 15 1681I of the Fair Credit Reporting Act. i have reviewed my credit report and found inaccurate and other incomplete information that needs to be corrected or removed immediatiely. 

XXXX. XXXX XXXX XXXX. 

This account has been deleted by other bureas, as inaccurate. 
I request a thorough investigation in this matter and prompt correction or removal of the disputed items. Please note that I have enclosed copie of the following documents for your review. 

Additionally I request that you provide me with a written confirmation of the resolution of this dispute and an updated copy of my credit report reflecting the corrected information. 

Please complete your investigation within the time period specified by law. Should you require any further information, feel free to contact me using the information provided above. 

Thank you for your prompt attention to this matter. 

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

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Sofi Banking decided they would lock my account for months on end if I didn't confirm with them my ID when I already confirmed with my Social Security to create the Account. They locked my account and I need my funds back these people are holding it back from me paying my bills and are in my way of life, Please help me with their horrible Banking System
Product: Money transfer, virtual currency, or money service

I am writting to formally express my concerns regarding ZELLE handing of disputes.