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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XXXX, XXXX XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX This is my only number XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY :
Product: Debt collection

A debt that was destroyed in XX/XX/2007, was reopened by XXXX XXXX for purposes of getting a garnishment order last month. I had no idea this was happening. They wiped out my entire savings account of {$1000.00}. They tried to get and additional {$700.00} from my checking account, but Im XXXX and get SSI so they werent able to.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting

I 'm a victim of identity thef some took my info and opened up accounts in my name and I call the credit bureau so they can investigat which they did, but for some reason Equifax credit bureau is not removing that collection off my report. The name of the company is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We attempted to resolve this with the creditor a couple months ago. We did not receive any correspondence in the 30 days of the dispute that shows the creditor has the right to continue to report negatively
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries aren't warranted, XXXX    XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX / XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of inquiries which do not belong to me or were opened without my permission. 
XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to remove inaccurate information and the credit bureau still has not removed this information nor have they sent any proof to verify that this information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several fair an honest attempts to get Equifax to erase these unathorized inquires and update my personal address info to no avail. I have always included copies of my utility bills, drivers license, passport, and or other pertinent info that CLEARLY identifies me. 

Equifax continues to respond to my complaints by saying that inquiries are factual matters. There have been NO investigations into the accuracy of these inquiries. Neither have Equifax updated my correct address info to remove an apartment number that is not mine. 

I have stated that there is no apartment number, but they continue to report this. 

I have stated that the listed inquiries were not authorized in anyway by me, and they are saying inquires are factual data. They do not list how they verified this to be accurate and have not offered a resolution. 

I am attaching my THIRD letter to them that i wrote today and have mailed out for further help.
Product: Credit card or prepaid card

Citi XXXX yes or no did you have Relation with XXXXXXXX XXXX XXXX? Regarding the account listed above? They said you did and you said you did! See file For Additional information in your own words But they were unable to send me documentation to prove to me that had became owners of the accounts I want to also make your Institution fully aware since you were the original creditor you have violated the FDCPA by such actions as notify the credit bureaus! Failure to do so does and perhaps meet the criteria for deletion and I quote respectfully! The law is very clear. I will also need a copy of your contract between you and XXXX also a purchase agreement with a canceled check from XXXX as to How much the debt went for. Also all information that you forward to XXXX Regarding this account Citi I give you 24hrs from the time you receive and finish reading this complaint I asked that you delete this account from my credit file. If you try to go back and add the information that was required of you you will suffer the consequences and I guarantee you the law is very clear in your bank has been around for many many years and you know the rules the loss that you must follow! Respectfully there will be no more
Product: Checking or savings account

Under the Fair Credit Reporting Act, as a victim of identity theft, I have certain rights that I would like to exercise. These rights include obtaining documentation related to fraudulent transactions or accounts opened using my personal information. I request copies of the application used to open the account and any other relevant business records. Additionally, I have the right to receive information from debt collectors regarding the debts in question. 
I am disputing the following accounts, late payments, collection accounts, student loan accounts, and public records items as they are inaccurate and do not belong to me. I demand that these items be deleted and removed from my credit report promptly :
Product: Credit reporting

i have disputed an item on experian for over a year, experian keeps on responding verified, updated etc. in fact they are reporting an item named XXXX XXXX which they report as transferred and sold to a comply called XXXX XXXX XXXX which i was unable to locate and is not registered with any agency as a valid legal collection or debt buyer, 1 ) XXXX never verified this account, to Experian, Experian is using old and outdated info on this item. 
2 ) i also sent a request to XXXX where they failed to validate this item. 
3 ) Experian refused to re-investigate the item which is a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

There is multiple loans showing up on my account with many different balances as well showing that there is a lot of different creditors which is also duplicate charges that should not be showing on my account also they did take taxes which they stated that the payment was submitted to the department of education
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several inaccuracies. I sent a letter to XXXX in XXXX to dispute these items. However, it has been more than XXXX  days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within XXXX  days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX  days of receiving the notice of dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : trust bank account starting with 656000 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am filing a complaint against Experian due to willful negligence. Experian continues to provide false and misleading information regarding the unverified CCU collection account that remains on my credit profile. Per Experian 's website CCU is a collection account but per my fico Experian is referring to it as a charge off which is in violation of my consumer rights as maximum possible information is not being reported accurately. I have submitted many disputes as it pertains to the unverified collections account that remains ONLY on my Experian report. Experian refuses to reinvestigate and continues to provide me with the same generic response month after month which is against the law and violates my consumer rights as the credit report should have maximum correct information. Experian continues to state the collections account has been updated, but it remains unchanged. If this matter is not properly investigated, I will be forced to start the litigation process. Please properly reinvestigate and remove this erroneous information immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, 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
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and noticed that I have some Inquiries on my report that I did not authorize. I filed a FTC report and will include it in my dispute. I also contacted all 3 Bureau 's about this problem as well.

The Inquiries that I am requesting to be deleted are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan on XX/XX/XXXX2017. Interest rate is 786 % I have paid 7 payments of {$220.00} biweekly. The finance charge is {$1800.00} on {$750.00} loan. Total amount I will pay for this loan is {$2600.00}. I feel this is too much interest. I still have 5 more payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Acct XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX Bankruptucy Acct # XXXX Account Name : XXXX XXXX XXXX XXXX. Act # XXXX Account Name : XXXXt Acct # XXXX Account Name : XXXX Acct # XXXX Account Name : XXXX XXXX of XXXX Acct # XXXX Account Name : XXXX XXXX XXXX XXXX Acct XXXX XXXX Account XXXX : XXXX XXXX XXXX Acct # XXXX Account XXXX : XXXX. Acct # XXXX Account XXXX : XXXX. Acct # XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is an accurate.
Product: Mortgage

I Logged in to make my XX/XX/2021 payment and saw a negative escrow balance of {$2600.00}, this is reflected in a statement from XX/XX/2021. That amount came down to {$2100.00} after that payment got posted, I assume this was due to the escrow amount we pay in our monthly payment. This is reflected in the statements. 



After doing some research I have notice that the {$2600.00} is something I can not account for in any closing documents or statements, other than the one from XX/XX/2021, that shows the negative balance in the first place. 



Applied Date Type Description Amount XX/XX/2021 Escrow Escrow Advance {$2900.00} XX/XX/2021 Insurance Paid Homeowners Insurance Disbursement - {$2900.00} XX/XX/2021 Escrow Escrow Advance {$2600.00} XX/XX/2021 Taxes Paid Tax Disbursement - {$3800.00} Looking at these numbers, we had enough in our escrow from the old loan to cover the property taxes for next year on this new loan. I am not entirely sure where that escrow advance came from on XX/XX/XXXX. There is no indication that we were shy on this account. I can only figure that we should have had a {$0.00} balance when the property taxes got paid. This holds true because Caliber sent us a refund check for the difference in property taxes year over year ( {$4700.00} for last years taxes ). The only source of insufficient funds were for the home insurance, since the premium had not been known, for the next year, at the time of closing. That explains the $ XXXX and we recognized that we owe that. Its the advance I need answers for. What is it, how did it come to be, what was it applied to, why werent we notified? 



To that account, our closing documents say that we made a {$1200.00} payment to cushion the escrow account at closing. I do not see that value in our escrow activity on the new loan, either. This is under Additional Information About This Loan on our Closing Disclosure document. Factor that in and we should really only have a negative balance for the difference in the cost of the home insurance policy from last year to this year. 



Something was either miscommunicated to us in regards to our escrow and closing costs or something was entered incorrectly. I need to know how we rectify it and what this is going to do to my payments going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I discovered an incorrect item on my Experian credit report saying I had a credit card balance with XXXX XXXX of {$7100.00}. I called XXXX XXXX and spoke to people from at least three different departments who all confirmed I had no such balance. I filed a dispute with Experian and explained in the dispute I had already confirmed with XXXX XXXX they didnt report this information to Experian. On XX/XX/2023 I received notice from Experian that the dispute was closed and XXXX XXXX confirmed the balance was accurate, which is a lie and obviously nobody did anything to actually investigate the dispute.
Product: Checking or savings account

I am submitting a revised complaint because the previous XXXX complaints I submitted contained incorrect information. I would like to provide the accurate details and request fair resolution for my case. 

On XXXX individual asked me to deposit a {$990.00} check into my Chase account on their behalf because they were unable to deposit it themselves. 

Trusting that the check was legitimate, I deposited the check into my account. 
However, despite the check not having cleared, Chase allowed me to withdraw {$990.00} in cash from my account and hand it over to the individual. 

Later, I was informed by Chase that the check was fraudulent, and as a result, the {$990.00} was deducted from my account. I had already withdrawn and handed over the {$990.00} to the individual, believing it to be a legitimate transaction. 

The problem here is that Chase released the funds without properly verifying the check 's authenticity, which allowed me to withdraw the money before the check had cleared. The bank 's premature release of funds directly led to my financial loss. 

Had the bank conducted more thorough verification or placed a proper hold on the check, this loss could have been avoided. 
In my previous complaints, I failed to clearly explain that the bank allowed me to withdraw money that was never actually available. 

The bank 's actions in releasing the funds before they had verified the check led to me handing over the {$990.00} in good faith, believing it was legitimate. I was unaware that the check was fake, and the bank 's premature release of the funds directly contributed to my financial loss.
Product: Debt collection

Today, XX/XX/XXXX, I did call, I C Systems Collections, phone number : XXXX in order to clarify a place for collection. I spoke to XXXX, ID # XXXX in order to find out about a placed collection for {$150.00} which through the original creditor XXXX ( Cable/Cellular ), I C Systems Collections stated that they have sent me a notice, which I have never received. Then, I asked them to send me any information they have related to this collection and they denied to send it over via e-mail because of their policies. I did call once again and I spoke to XXXX ID # XXXX, I explained my situation, XXXX transfer me to her supervisor, supervisor 's name XXXX, ID # XXXX which I repeated once again my concern in receiving all this documentation via e-mail and mail. He misinterpreted my communication trying to play around with the wording. I asked for more than three times to send via mail a re-validation notice, month of the debt, and any valid information related to this collection. 
I have also requested a copy of their policies, no proper answers being responded. 

Please help me to understand my rights under the Federal Trade Commission. 

What is my next step, I need to clear this matter from my credit report. 

Is it e-mail a legal way of communicating? 
Why I C Systems Collections can not send me all information on their files related to this matter? 

I need to dispute this matter on a civil and polite way in order to be protected under Federal Fair Correction Act. 

This matter is causing that my student loan to be held which is nu-acceptable. 

Sincerely,
Product: Checking or savings account

On XX/XX/XXXX a check was deposited into my account for the amount of XXXX dollars. I called the bank to inform them of the fraudulent activity. I also informed them that my debit card was recently stolen. The bank explained that the check was deposited in another state via atm. They also stated they have surveillance with the image of the individual who committed the crime. I informed the bank that in 8 years Ive never deposited a check via atm not do I have any ties to anyone in Texas which is the state the crime was committed. Despite frequent calls and clear evidence that the check is fraudulent the bank has decided to hold me accountable for the fraudulent check. That is extremely alarming considering the evidence they have in direct opposition of their decision. Please beware of USAA