23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Security Finance Corporation which is a charge off for {$1700.00} account opened XX/XX/2021 ... I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Product: Debt or credit management

I notice this inquiry on my credit I notified the agency several times and was switch around several times until I got disconnected. I made numerous call and was unable to talk to anyone. I never applied with this company nor know who this company is. In a effect to speak to someone I have been unsuccessful talk to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late on XX/XX/XXXXXXXX XXXX XXXX 60 days in XX/XX/XXXX, XXXX XXXX 30 days in XX/XX/XXXX, and XX/XX/XXXX.
Product: Checking or savings account

I had 2 brokeage account with Fifth Third Securiteis and cancelled one of the accounts on XXXX. 
During the phone conversation for cancellation, the agent told me that {$120000.00} or somewhere around that amount is transferred to the savings account and did not mention about portfolio service fee/managed account fee of {$330.00}, however, {$330.00} was subtracted without any explanation or information. 
Payment schedule for the management fee occurs every 3 months ( end of XXXX, end of XXXX, end of XXXX, end of XXXX every year ) ( I dont see any reason to be charged a service fee nor managed account fee in XXXX, I was told there was no fee to liquidate when I contacted Fifth Third about this account and I paid upfront fee when I opened my account. I would like to request a refund of {$330.00}. 

I sent an email with the above information to my advisor ( XXXX XXXX XXXX, he works at XXXX XXXX branch in XXXX Ky XXXX in XX/XX/year>. He never replied, completely ignored my email/phone calls. I complained via SEC, but nothing happened. He has been my investment advisor for over 10 years, I have been paying management for over 10 years, I just can not accept the fact that he has been ignoring me and just receive management fee for doing nothing. He needs to explain the reason for the last service fee and I need to receive a refund of {$330.00} as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

WERE DISPUTED WITH EQUIFAX ON XX/XX/2018. I DID NOT RECEIVED ANY REPORT BACK FROM EQUIFAX.
Product: Prepaid card

I have purchased 2x XXXX giftcards on XX/XX/year> with the amount of {$500.00} on each. I tried to use it at a store ( XX/XX/year> ) but it was declined and I reached out to Incomm. The CSR said a replacement is needed ( XX/XX/year> ). I provided my address and CSR confirmed it. 

I was given a timeline of when the replacement card should expect to arrive. I never received the card and reached out again. Another replacement was issued for both of these cards. After nearly a month of waiting for replacements, the cards arrived ( XX/XX/year> ) only to have nearly no balance left on them. The cards were used without my permission ( likely from the 1st replacement cards ). I filed a dispute with Incomm and they did not approve of my case.

Of the two {$500.00} cards, only {$31.00} and {$18.00} are left on the cards.The cards were used very suspiciously as the transactions occurred at XXXX during outside of business hours ( XXXX and XXXX ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern Im writing to formally dispute incorrect information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, I have the right to accurate reporting, and your failure to ensure this has negatively affected me. 

The Issue Here are the details of the inaccurate information Ive identified : Creditor Name ( XXXX ) : XXXX, Experian, XXXX Whats Wrong : All Three Bureaus are reporting the following damages to my credit score : " You have too many delinquent or derogatory accounts '' -- I have XXXX Hard inquiries, XXXX late payments reported, XXXX collections, XXXX Derogatory accounts. 

I have XXXX open line of credit that has never been late. 

" Too many installment accounts with a delinquent or derogatory payment status '' -- I have XXXX installment accounts with XXXX derogatory payment status " Lack of sufficient relevant real estate account information '' " The date you opened your oldest bankcard or credit card account is too recent '' - Account was opened 6 years and 4 months ago. 


This incorrect information has caused me harm, including damage to my credit score and my ability to access financial opportunities. I have been denied housing! I have been denied lines of credit, while not having any negative credit marks. 

What Im Requesting Under 15 U.S.C. 1681i, youre required to investigate disputes like this and ensure all information on my credit report is accurate. Heres what Im asking you to do : Investigate this error thoroughly. 
Correct or remove the inaccurate information. 
Confirm in writing that the changes have been made. 

Why This Matters Your failure to ensure the accuracy of the information on my credit report constitutes negligence, as defined by 15 U.S.C. 1681o. This negligence has led to measurable harm, including : Damage to my creditworthiness.

Higher interest rates.

Emotional distress caused by credit denials and financial difficulties.

If this issue isnt resolved quickly, I may be forced to pursue legal action to recover damages and attorney fees, as allowed by the FCRA. 

Supporting Documents To help with your investigation, Ive included : A copy of my credit report with the disputed items highlighted. 

Next Steps Please confirm that youve received this letter within 5 days and let me know the outcome of your investigation within the 30-day timeframe required by law. I expect this matter to be fully resolved by XX/XX/year>. 

Thank you for your prompt attention to this. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I requested a wire transfer for {$7800.00} from my savings account at XXXX to Bank of America XXXX XXXX, XXXX XXXX, NY. For some reason the wire transfer was rejected by BoA and reason was an error on the receiving account number. But instead of returning back the full amount, they deducted {$45.00} and send back {$7800.00}. I thought its not right to charge {$45.00} on a rejected transfer, it is an exagration. I would like BoA to refund my money.
Product: Credit reporting or other personal consumer reports

I disputed an account with XXXXXXXX XXXX with the credit bureau. This account is not validated. The credit bureau is still reporting the account on my credit report although the company did not provide any documentation to validate the account. I has been 44 days since my dispute, which is past the required 30 days to respond.
Product: Checking or savings account

Wells Fargo bank opened XXXX add-on products without my consent also Wells Fargo bank closed my bank account rendering my ability to make purchases at critical times of need XXXX XXXX required online purchases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and rendering my ability to gain credit when filling out credit application the application ask if I have a bank account checking or savings also I would like to file a lawsuit against Wells Fargo bank for discrimination based on race XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX  Account # XXXX I requested an overall re-investigation on XXXX XXXX through certified mail to all 3 bureaus for my credit report after applying for a mortgage loan in XX/XX/XXXX and being denied. I requested that all dates, account info, balances, payment history along with the original copy of proof verifying if any of the accounts were mine. Ive had to dispute many things because of my name in general gets mistaken for other XXXX XXXX. Im a XXXX generation XXXX. 

*Section 607 ( b ) of FCRA I also have asked that all personal info be corrected on my credit report/history and still there has been no changes. 

* On the CFPB bulletin for XX/XX/XXXX, that theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were five things listed as requirements that has not been upheld regarding my credit safety as a consumer. 
In comparison of my credit report from XXXX XXXX and XXXX XXXX, youll see that the same errors remain. All 3 bureaus report different things. And let alone, I never got any verification or feedback from anyone regarding whats accurate or not. Since the last dispute, it has been more than 30 days, and me, my wife and kids no longer have housing since I had issues getting approved because of all the chaos on my credit report.

I highly believe its willful violation against me at this point, because ive disputed regular mail and certified mail several times now. I will put the tracking numbers below of the most recent one. 

There are over 8 violations Ive found on the XX/XX/XXXX credit report. A many being the different balances reported, month/term, high credit, payment status, last reported dates and payment history are all contradicting each other or just plainly showing differently for all 3 bureaus. Just an example, How can it say Last reported for XX/XX/XXXX, but for Date Last Active is shows XX/XX/XXXX?? 

Im now requesting monetary relief for the damages it has caused me and my family and per violation. Im also requesting deletion.

*15 USC code 1681n ( a ) ( 1 ) ( A ) *Consumer reporting agencies must Correct and Delete any inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 
Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian )
Product: Credit reporting or other personal consumer reports

I am submitting proof that this account XXXX credit does not belong on my report. please remove immeditely. I have suffered paying ridiculous fees due to this problem on my account that should not have been on my account.
Product: Debt collection

Please see the attached Formal Complaint Against XXXX XXXX XXXX XXXX  ( dba ) XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX  ( dba ) in Virginia as XXXXXXXX XXXX XXXX XXXX  dated XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I want to connect my PNC bank to transfer my funds from XXXX  into
Product: Mortgage

On XX/XX/XXXX, I spent XXXX hours on the phone with XXXX different employees @ Selene Finance. The last person I dealt with there worked in the ESCROW department. After I explained the situation, after she kept trying to repeat the company BS, she acknowledged that I was right and she allegedly was requesting that the funds held by Selene - both in ESCROW and in the Suspense account be properly applied toward my account. It's been XXXX weeks and Selene has failed to bring my account up to date. 

I received correspondence in the mail from Selene Finance ( attached ) dated XX/XX/XXXX, called an Annual Escrow Account Disclosure Statement that says, my new monthly payment starting XX/XX/XXXX, is {$3000.00} ( a difference of {$560.00} ). Retroactively reducing my payments per their new escrow determination. 
On XX/XX/XXXX, XXXX received a tax refund on my account for {$3700.00} and put it into XXXX. 
As of XX/XX/XXXX, XXXX has my account past due from XX/XX/XXXX ; holding {$9500.00} in XXXX and with {$580.00} in a SUSPENSE account for a total of {$10000.00} technically in my name. 
$ XXXX $ XXXX meaning 3 months of FULL MORTGAGE PAYMENTS TOTAL PLUS an extra {$920.00} This means that my next full mortgage payment would not be due until XX/XX/XXXX with a balance of {$740.00} ( see letter to Selene XX/XX/XXXX ) XXXX 

Selene Finance violates the XXXX Consumer Financial Protection ACT by manipulating the date the payment is received to artificially create constant late payments by applying part of the payment to something other than principal and interest creating a partial late payment or deficiency by way of erroneous fees. They practice creative and deceptive account management and have consistently been reporting my payments as late to the credit agencies since they took over servicing my mortgage.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX -Balance {$1800.00} -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX -Balance {$15000.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$520.00} XXXX Opened XX/XX/XXXX Account Name : XXXX  # XXXX -Balance {$560.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$980.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Balance {$770.00} -Date Opened XX/XX/XXXX Unauthorized Inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 items 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 items 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$97.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$620.00} Medical XXXX Balance : {$130.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX ( Original Creditor : SXXXX XXXX XXXX XXXX ) XXXX XXXX : {$940.00} 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: Debt collection

I hsve just been informed that I have wage garnishments now. I was not informed or properly served about the lawsuit even though they claim they served me. Anytime I have tried to talk to them about this all they will say is that they noted it in my account. I will have to be the one to fix it with a lawyer. This does not sound lefal. They are called wakefield and associates
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number # XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602. States I have the right to privacy. 15 U.S.C 1681 Section 605 A Section 2 : it also states a consumer reporting agency can not furnished a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME XXXX XXXXXXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX Ive attached copies of my consumer report showing these inaccuracies along with my ID, SSN and bank statement, I have also attached a photos of the certified stamps proving I sent these formal disputes Sincerely, XXXX XXXX
Product: Debt collection

Credit Collection Services is a known debt buyer and are subject to the FDCPA. 
They have shown great negligence by reporting false and misleading information about me to the CRAs. I have never requested them to create an " account '' in their system for me and yet they have done so without my consent. They have contacted me repeatedly without my consent and they are currently furnishing inaccurate information. Pursuant to 15 USC 1692b they can not allege that I owe a debt however have been reporting so to the CRAs for months with not only one allege accounts but XXXX since XXXX & XXXX. 
These inaccuracies have caused immense damage to my reputation and my mental health.
Product: Checking or savings account

Wellsfargo never reimbursed me for the over draft fees and bank issues
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  is inaccurately reporting on my credit with Equifax. They are inaccurately reporting an account I have with XXXX XXXX XXXX  ending XXXX, with XXXX XXXX XXXX XXXX  account ending # XXXX. The account is the same property. period of times and dates. 

I contacted them as well as Equifax previously indicating they had incorrect delinquent information ; they said they removed it. Although, in the summary, the account says it was paid as agreed, yet it appears on account # XXXX I was 60 days late in XX/XX/year>. This is false. 

I have copies of my XXXX XXXX  statements which show XXXX XXXX XXXX XXXX  electronically deducted the payments from my checking account for that month and the XXXX months prior, so the account is not past due. 

Also, XXXX XXXX XXXX XXXXXXXX XXXX  records for account # XXXX, which is the same loan and the same period, the Bank reports my payment was paid as agree and the historic payment history provided on this account do not report any my payment being delinquent in the payment history they provide during the same time.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$440.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$580.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} Late Payment 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX