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

I am writing to dispute a hard inquiry that appeared on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize.
Product: Mortgage

Hi, my name is XXXX XXXX, My Complaint ID is XXXX I have made a complaint to Commission on Human Rights as well and now i am reaching out to you all for help. I am failing this complaint against Busey Bank they have bullied me and also housing discrimination. They have made a fake settlement agreement and release that I refuse to sing these papers. Busey bank and i came to a agreement that Busey bank would do a loan modification and I will be showing proof of all documents. Busey bank has valuated the Loan modification agreement. I will be uploading all documents at the bottom. I would like to add that from the time i sing the Modification back in XX/XX/2017 Busey bank sent me a statement in XXXX on the XXXX for XXXX this is when it all started, and they started saying i was late and was not paying at all when I was. They are still saying i am behind and owe 10,000.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Re : 30 days late removal I contacted all credit bureaus with regards of removing an error thats on my credit report from Here is the email stating they informed you guys to remove the 30 days late even though the account is closed and says paid in full, it is showing 30 days in my report and it is harming me. Please I have exhausted every effort with Experian and XXXX, and XXXX. They refuse to remove the 30 days late because they are saying the account is closed, but it still shows derogatory info that is not correct. Please remove the 30 days late from XXXX star XXXX XXXX mortgage. XXXX. 


XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you for reaching out. I apologize for the frustration this has caused. 

Once XXXX XXXX submits the credit correction request, it is up to the credit bureau to complete the request. You should be receiving updates from the credit bureau, but you may also contact them directly for an update. 

Please let me know if you have any other questions. 

Respectfully,
Product: Mortgage

Dear Sir/Madam, Since Seterus, Inc took over my loan from XXXX XXXX XXXX in XXXX 2013, I have been experiencing multiple problems. I was told that some payments were missing. I sent proof in the form of cancel checks and bank statements. It seems that Seterus, Inc will always come up with something new after submitting proof of evidence. This has been going on for about two years. 
Therefore I asked XXXX for help.We spoke to a Vice President by the name of XXXX XXXX XXXX who mentioned that my XXXX 2013 payment was missing and that I should send proof to the Michigan office and all will be settled. 
A XXXX XXXX asked me to send copies of XXXX check and bank statement which I did. 
Recently, a XXXX. XXXX wrote me advising me that my loan was delinquent and all payments were applied to the loan without explaining to me how and when the delinquent took place. 
For about two years now, XXXX person will say XXXX thing and another person says something different. 
This has caused my credit to be poor. 
I need some help and thanks in advance. 
Sincerely, XXXX XXXX.
Product: Debt collection

This past weekend I found a " collections '' item in the amount of {$27.00} on my XXXX credit report, dropping my near perfect score by XXXX points! I have NEVER had a collections account! It was from Financial Data Systems, which I found to be a collections company in XXXX, NC. There was a note that it was related to " XXXX XXXX '' and dated XX/XX/2021, nearly 6 months ago. 

I have never received any bill or communication of any kind from either XXXX XXXX ( their correct name ) or Financial Data Systems. I spoke with both XXXX XXXX XXXX XXXX  ( XXXX XXXX 's billing service ) and FDS this morning. 

XXXX explained that the amount owed was related to a medical procedure I had last year. That procedure generated many bills, some from providers I had never heard of. I paid every single bill that was sent to me by all providers. However, XXXX stated that they sent XXXX bills to an address that is more than XXXX XXXX XXXX. XXXX stated they got the address from XXXX XXXX, and because none of the bills were returned as undeliverable, they followed proper procedure in sending it to a collections company. I have no idea how XXXX XXXX got that old address, but it seems irrelevant as I provided my current address on all forms I filled out related to the procedure. I know this is true because all the other providers used that current address to send me bills! 

In speaking with Financial Data Systems, they said the same thing, they got the address and phone number ( also incorrect ) from XXXX, they sent notices to that address and called that phone number, and because nothing was returned as undeliverable, they followed procedure and reported it to XXXX. 

In speaking with them, they promised that the collections item would be removed from my credit report when paid. I asked for that statement in writing before paying, and they refused. They said that I could pay an additional {$10.00} and they will send me a " deletion letter '' tomorrow after the payment posts. I paid both the {$27.00} and the {$10.00} " deletion letter '' fee, despite the fact that I feel I should not have to pay a fee to get an error on my credit report corrected. That is like mugging me twice! 

I have no documents to provide as I never received anything from these 3 companies. 

I am making this complaint against all three companies who created this situation : 1 ) XXXX XXXX XXXX of XXXX, NC, 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC, and 3 ) Financial Data Systems XXXX XXXX, NC.
Product: Mortgage

My loan was transferred to another servicer between closing and my first payment. I contacted the original mortgage servicer and attempted to pay my first month ( as instructed by my loan XXXX ). The customer service representative said I did not owe any money for that month ( XXXX ). I contacted my loan XXXX who said my loan must've got caught up in the transfer process. I elected to pay XXXX mortgage with my new servicer as I was told the money I would have paid the original servicer would be forwarded to them anyway. I made another payment in XXXX. Now the original servicer is attempting to collect both XXXX and XXXX mortgage payments and have sent a statement for XXXX. This is well after I received all the mail confirming the transfer. I have reached out to the original servicer who said they are researching the issue ; however, they are still attempting to collect this debt I do not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX/XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$130.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$25000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

Debt collector has became incredibly hard to reach. Hasn't provided Debt Validation in a timely manner but yet has opened a court case trying to get a uncontested garnishment. .Attached is the amount of times I've tried to contact this debt collector along with my personal court response.
Product: Debt collection

I have made payments to Cb1 on my account for a total of {$340.00}. I asked for an accounting of my payments and they sent me a statement saying I have only paid {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXXXXXX XXXX  has reported incorrect account on my credit report. XXXX XXXX Account was removed but XXXX   unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX   refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX  XXXX was on my credit report. I tried to contact them but was unsuccessful. I would like this account to be removed as I have no knowledge of this that is owed.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of the payment history being reported for my accounts. Specifically : XXXX. XXXX XXXX The report incorrectly states that I have 8 missed payments. My payments have been on time, and these missed payments should not be reported. 


XXXX. XXXX  XXXX ( Account XXXX ) The report incorrectly states that I have 7 missed payments. This is inaccurate, as my payments have been on time. 


XXXX. XXXX XXXX This account is marked as " Currently Late, '' but it is actually closed and should not be reported as late. Additionally, the XXXX missed payments are inaccurate. 


XXXX. XXXX  XXXX ( Account XXXX ) This account is marked as " Currently Late, '' but it is actually closed and should not be reported as late. The 6 missed payments listed are also incorrect. 


XXXX. XXXX This account is closed and settled. It should not be showing missed payments or an active status. 


XXXX. XXXX XXXX This account is marked as " Currently Late, '' but it is actually closed and should not be reported as late. The 3 missed payments listed are inaccurate. 


XXXX. XXXX XXXX  The report states I have 2 missed payments, but this account is currently on-time, and no late payments should be reported. 



Please correct these inaccuracies immediately to reflect the correct status of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed inaccurate date reported to my credit profile with Creditor XXXX XXXX. Ive disputed this account with all 3 creditors. XXXX  noticed the inaccuracies and deleted this account off my credit. I am asking of the CFBP to demand that both bureaus ( Experian and XXXX ) do the same and acknowledge these inaccuracies as XXXX did and delete this account off of my Profile.
Product: Debt collection

Settled debt with XXXX. npas is still trying to charge the difference in the settlement. of which we do not owe. 
bill : XXXX settle pay with XXXX : XXXX npas is trying to say we owe the XXXX difference. 

attached is the XXXX paper we received for settlement. on it, i wrote date and Authorization code for when it was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The amount is {$700.00}. I disputed this and The account was deleted and then sold to other company and no it has reappeared on my credit. I was not notified about this. Please delete. It was put on my credit on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need investigation : 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 or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX XXXXoyota Motors Credit I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in XXXX concrete fcu v. kauano, XXXX Haw XXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : XXXX. The original contract or agreement. XXXX. A detailed accounting of the debt, including all charges and payment made. XXXX verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXX XXXX if you fail to comply with this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Dates Of CO ( Charge off ) are not matching card numbers and the CO is for XX/XX/XXXX and not XX/XX/XXXX ( Printscreen sent of Experian ) and also account closer of 1099-c provided screenshot. Please rectify the charge off to XX/XX/XXXX and not XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XX/XX/XXXX
Product: Credit card

on XX/XX/2023 I requested a reconsideration of a denial to t new application that I made for a separate business credit line. While i requested that I made mention that we are a woman owned small business that has generated consistent deposits on my checking account, I have never made any late payments and kept the account limit decent. a few hours later I received an email stating that my credit card account was closed with no explanation. I had opened that account a couple years prior after giving them secured money for the credit card and converting to nonsecure card after meeting all qualifications. i feel that my account was maliciously and with discrimination closed due to mention of being a woman owned small business. I asked for a small business credit line and then suddenly my credit card was conveniently closed hours later. I have a decent credit score, business generates daily substantial deposits, I have never been late in payments, My credit card was also paid in full weeks prior. My personal credit score has not changed much since they approved the credit card years prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm writing to ask about the removal of these address inaccuracies from my report. i live at XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX any other spellings are inaccurate my number is XXXX any other number is inaccurate. 







XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are both inaccurate
Product: Checking or savings account

The funds are not being applied to the account. See attached documents for details.
Product: Debt collection

Bridgecrest has violated my rights under the : 15 USC 1605a, 15 USC 1692b ( 2 ), and 15 USC 1692b ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit ace act number XXXX XXXXXXXX Acct # XXXX Has violated my rights 15 usc 1666 b timing of payments a crefitor may not treat any payment on as late for any purpose please delete immediatly
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act. During a reinvestigation, pursuant to 15 U.S.C. 1681i ( 7 ) of the FCRA, I was supposed to receive a description of the procedure used to determine the accuracy and completeness of the information on my credit file from Equifax no later than 15 days after receiving my request for that description. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my file through CFPB complaint numbers XXXX, XXXX, XXXX and by certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I have not received anything from Equifax regarding this matter. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to Equifaxs blatant disregard for federal law. It is my belief that Equifax feels comfortable committing blatant violations of the FCRA because they know the CFPB wont enforce the laws set forth by congress as shown time and time again. Equifax has caused me sleepless nights, stress, XXXX and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ) If after any reinvestigation any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to you in order to let you know that I do not know why I have this item in my credit report, I do not recognize it. I think somebody stole my personal information and I am a victim of identity theft. I kindly asking you to remove this account as soon as possible.
Product: Credit card

I've had my Macy 's card ( through Citibank ) for several years. They send me a letter stating they need to update my information. I call the number on the letter, they want either my card number or my social. I did not ask for this, Why am I having to give them my PII? Cards rarely used, always paid off, and yet I have to call to update my information? This seems suspicious. How do I know this isn't a third party fraudster trying to steal my information. I finally get to a person, who then ask for my phone number, DOB and last four of my social. WHY should I give this, when They are asking me to call? I'd get if the card was maxed out, asking for updates. I'd understand if there was a code on the letter, or if the letter was saying to download the Macy 's app or perhaps the Citi app to update my information, Or anything other then having to give my PII over the phone from an unsolicited letter that I received in the mail. None of this makes sense, we have other credit cards that do it through the app, they don't send me a letter asking me to call. This is poor customer service, and in today 's world of identity theft, I'm not even 100 % certain that its actually Macy 's as any fraudster can setup a phone line and have incoming calls go to a " call center '' to steal PII.

Also we have another Citibank card- opened more recently, so why would you need me to verify information you already have - likely updated in the last 12-18 months? This makes no sense whatsoever.
Product: Debt collection

First investors offered me a lower rate on my vehicle from {$22000.00} owed to {$10000.00} with a different amount I will owe monthly but failed to commit to they offer
Product: Checking or savings account

Wells Fargo I always checked how much money I had in my account but most of the time it would deny it and then I would get a fee and bam I am now negative in my account it was 2020 then they let some one steal money from me and left my acct negative then closed it on me and steal send me a monthly statement