23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Report XXXX from Security Credit Service stating I owe a {$410.00} balance. I do not owe this amount and have never done any business with the original creditor shown as XXXX or Security Credit Service. 

I also have never received any correspondence from Security Credit Service or XXXX concerning this matter. The first time I have ever heard of Security Credit Service was the alert that a collection account was reported on my credit profile on Equifax. 

I am a XXXX year old disabled woman with very limited means and pay the very few bills that I do have.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

EQUIFAX Account Name : 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 XXXXXX/XX/XXXX Balance : {$46000.00} These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Checking or savings account

I opened a checking account on XX/XX/year> at XXXX. Shortly after while I was trying to set up and verify my contact methods at XXXX asking to verify my email address. I was then locked out of my account after making a transfer from my XXXX XXXX Debit card ending in XXXX for the amount of XXXX to my checking account ending in XXXX. This as well as my savings account I set up simultaneously ending in XXXX for the amount of XXXX. I was told that my account had been flagged for fraud but it was never explained what type of fraud or why.
Product: Checking or savings account

My account was closed in 2020 with the amount of XXXX in side this account before closing I have been reaching out to the company about where the funds are they first told me that the funds are sent to my states unclaimed department I called GA and theres nothing there for me. Then this company told me that they send these funds to South Dakota somewhere that I have never lived a day in my life I have never visited I have no family there or anything I called South Dakota looking for these funds and they couldnt find anything thats attached to my name XXXX XXXX they are asking for an account number Ive been reaching out to chime as they stated I can call them if I have any concerns to get the account number I have stated I dont remember the Email thats associated with this account I dont remember my old phone number thats associated with this account or even the address that I used for this account they hang up on me every time I reach out to them and this is very frustrating to me and putting me in a bad state I dont wish to ever do business with them or even recommend to anyone because of the way that Im treated to get my funds back from whoever they sent them to. Im not receiving the right information to receive these funds. If I can get the right information on regards to where these funds are and my account information as such as account number and routing number I have with chime and also the information that I would need to give to the state of South Dakota that I would appreciate that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Experian Business Cred XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX XXXX Mack Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax twice informing them about this situation and they keep responding by mailing me stall letter templates stating that I must identify myself even though with the letter I mailed to them, I included a copy of my State Driver License which has my current address and my Government issue Social Security XXXX. 

NO PERMISSIBLE PURPOSE AND DATA BREACH OR DATA LEAK XXXX XXXX and XXXX XXXX for XXXX XXXX and XXXX XXXX users such as your XXXX XXXX XXXX states that credit reporting by XXXX XXXX XXXX should be done based on accuracy, consumer access, correction, XXXX security and privacy. 

This request is to confirm current reporting of the hard inquiries were obtained using permissible purpose guidelines, in addition to being accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations. 

None of the inquiries listed below were provided Permissible Purpose for accessing my credit reports as The FCRA lists a number of permissible purposes for accessing consumer reports, as noted in Section 604 ( a ) ( 3 ) A-G. 

Accessing an individuals consumer report can only be done in accordance with the laws requirements. To access and use a consumer report for other purposes is illegal and subject to criminal penalties. 

Please remove the following inquiries from my report because they were not obtained using Permissible Purpose XXXX XXXX - XXXX Inquiry-Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XXXX Inquiry-Was Not XXXX XXXX XXXX Purpose XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX  XX/XX/XXXX Remove XXXX XXXX Not Obtained Using Permissible Purpose XXXX XXXX XXXX  XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXXXXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose In addition, your company, is a CRA ( Credit Reporting Agency ) that is mandated by : The Gramm Leach Bliley Act The main law mandating that CRAs ensure the security and confidentiality of personal information is the Gramm Leach Bliley Act ( GLBA ) enacted in 1999. As a Financial Institution under GLBA, credit bureaus are subject to significant regulation relating to data security through Section 501 ( b ), which requires the Federal Trade Commission ( FTC ) to promulgate rules to require financial institutions to have measures in place to keep customer information secure. 

Since this is my 3rd request, please do act quickly in removing the inquiries and once complete, mail me an updated copy of my credit report via USPS Mail showing the results and please do not mail me another stall letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX,XXXX  XXXX XXXX, VA XXXX (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX  
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
XXXX XXXX XXXX  #XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, VA XXXX  (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX 
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
These items were put on  my credit report an they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a few investigations in negative credit reportin g of ninety da ys late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until  XXXX   XXXX ,  2017  ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until  XXXX  because I had no clue that I was in repayment until  XXXX . The statements were being sent to the  XXXX  University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all  XXXX  credit bureaus.     I could not have put my account on e-statements because I just created an account with fedloanservicing. org in  XXXX . The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.
Product: Mortgage

In short, XXXX XXXX failed to disclose essential information regarding loans he procured for XXXX of my rental properties, directly resulting in {$18000.00} in additional expense to me and {$6400.00} in additional compensation for him. 

In XXXX 2016 I purchased XXXX rental properties with loans procured by XXXX. At the beginning of the financing process XXXX provided me with disclosures indicating that the rates on the loans would be XXXX with XXXX points payable for his commission. I never received any other disclosures. Partway through the financing process XXXX informed me that he was not confident that he would be able to finance me in-house through Axiom Financial due to my income, and encouraged me to switch to a different lender. I reminded XXXX that if he included my wife 's income I would easily qualify for financing with Axiom, but XXXX told me that would not be necessary and insisted that switching lenders was the right choice. XXXX never disclosed to me that the original rates and terms he disclosed would not apply to the new loans. My attorney later informed me that this was a direct violation of Utah law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

When I arrived at closing I learned that the rates on the loans XXXX procured would not be 4.625 % as disclosed, but 6.375 % and 5.875 % instead. Additionally, the commission owed for XXXX 's services would be XXXX points instead of the XXXX points disclosed ; a difference of {$6400.00}. Also, a pre-payment penalty of {$5700.00} would apply if I refinanced. If I did not close using the loans XXXX procured, I would lose {$7000.00} in earnest money and roughly {$30000.00} due to XXXX exchange restrictions. XXXX was on vacation in Hawaii at the time and was not present at the closing to comment on the matter. 

I closed using the loans XXXX procured for me and immediately sought refinancing. The first lender I contacted was able to easily refinance me at 4.25 % on both loans ( it was not necessary to include my wife 's income ). I have now incurred {$18000.00} in unnecessary expense due to XXXX 's unethical behavior : {$6400.00} in paid for XXXX 's compensation above what was promised, {$5700.00} in pre-payment penalties, {$1400.00} in additional loan interest due to the rates being higher than the 4.625 % XXXX disclosed, and {$4900.00} in closing costs for the new loans. When I contacted XXXX about the matter he blamed the lender for failing to disclose and refused to refund the additional amount paid for his commission as he is required to do by law. ( My attorney later informed me that XXXX had full responsibility to disclose, regardless of the lender 's actions. ) Since my experience with XXXX I have learned that several of my personal acquaintances have also had negative experiences with him professionally ; at least XXXX of whom is a former client of his.
Product: Money transfer, virtual currency, or money service

I want to add a bank to withdraw my money, but I can't increase the bank, and I can't get in touch with paypal Theres a problem with your account. Please go to the resolution center so we can help you resolve this quickly. 

My mailbox number is XXXX XXXX
Product: Mortgage

My mortgage is an adjustable interest only loan. I have applied for a loan modification with my servicer, Bank of America and been denied earlier this year. I do not believe they are using the correct calculations when reviewing me for assistance. I believe they have a value that is way too high as well as they are not taking into consideration my payment is an adjustable, interest only loan that will increase in the near future. I now have a notice of default and possibly a notice of sale coming in the next week. I have hired an attorney to assist me in submitting my updated paperwork ( submitted XXXX/XXXX/2015 ). I have a new job as of XXXX 2015. I would like to ask Bank of America not to review me for assistance before moving forward with foreclosure by filing a notice of sale. I understand that the servicer may state my application was submitted too late, however I would like to request an exception be made and still review me for assistance.
Product: Debt collection

I never received a bill for the medical service until almost two years later. I contacted XXXX XXXX XXXX XXXX and they said that my insurance company never responded when they sent the bill. I contacted my insurance company and they said they never received any information on the bill. I contacted the medical facility again and they admitted they sent the information to the wrong address. They sent the information to the correct address but my insurance company denied the claim because it had been too long since the date of service. I called the medical facility again and they said they would write off the bill since it was their fault. However, I just received a collection notice from United Collection Bureau , Inc. for this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax to verify some information regarding debt collections showing on my account. 
They have not sent me any information back regarding the verification of this debts it has been over a month I'm asking for these debts to be removed from my Equifax Credit Report as they are hurting my credit worthiness.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
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

Dear Experian, RE : Acct : XXXX Report Number : XXXX This account was under dispute and came back verified in XX/XX/XXXX and XX/XX/XXXX. I recently submitted a dispute asking that you delete the account due to multiple inaccuracies being reported by this account that doesn't even involve whether or not the account had been verified. All you did was update the account and still have failed to report it correctly. A collection account can not have a past due amount for sheer fact that a collection account is already a past due balance, therefore it itself can not have a past due balance. 
- This collection account reports 1 months terms - This collection account has been disputed and I have asked for method of investigation as well as who verified this account and Experian has failed to provide this information at every turn. 

This is not request for another dispute, investigation or re-investigation. 
Either provide the information asked for or remove this account immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a formal request to XXXX, XXXX, and TransUnion to remove unauthorized credit inquiries from my credit report, citing violations of the Fair Credit Reporting Act ( FCRA ) under Section 604.

Despite my request, no substantiating documentation has been provided to verify the permissible purpose of these inquiries, and XXXX along with other major credit bureaus have failed to address or resolve the issue within the XXXX period required by law. 

The inquiries in question include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Referencing CFPB Case No. XXXX, in my follow-up complaint to the CFPB dated XX/XX/XXXX, still no proof of permissible purpose, documentation to substantiate the hard inquires, or corrective action has been provided. The continued reporting of these inquiries without validation constitutes a breach of my rights and an inaccurate representation of my credit file. 

I urgently request the immediate removal of these inquiries and a formal acknowledgment of this complaint to ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Belks account multiple times with XXXX  for inaccurate reporting but XXXX  continues to report it and confirm the erroneous information. As of today, XX/XX/XXXX XXXX  is reporting this account as 30-59 days past due and causing me to have a inaccurate credit score / file even though it is reporting current with creditor.
Product: Credit card or prepaid card

I have had an account with Discover since 2008, and in that time frame I have never missed a payment by more than a few days. Due to unfortunate circumstances ( a school bus hit my townhome ) I found myself the day before closing on a new house and was told I had a 30-day late payment on my credit report. To my surprise they told me it was my Discover card, that I had no idea was late. I am set-up for paperless billing and I had not received a statement, payment due notification, late statement, etc. I reached out to them to explain the circumstance and they claimed I received emails. Additionally the way Discover has set up their online portal if you miss a payment the payment due date doesn't change to " Past Due '' it changes to the next month 's due date, so even after I knew it was late I logged in and had no idea as it was not indicated in my due date. I feel like this is a very deceptive act and is built in a way for Discover to profit on late fees.
Product: Debt collection

I have received legal documentation from an attorney stating that I am not responsible for the account that is currently still on my credit.
Product: Credit reporting or other personal consumer reports

I recently contacted ( Experian, XXXX, XXXX ) to report that my personal information is inaccurate, there is over 15 different addresses, Variations of my Name I've Called over 3 times and even wrote each agency and they continue to report this inaccurate information,
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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


XXXX5 USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports