23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Since 2023 I have been writing and calling National Credit System to demand validation of this alleged debt pursuant 1692g, by requesting the original purchase agreement bearing my signature and the signatures of the party they claim to represent. I also asked them to provide proof of ownership of the debt and proof that they have a license to collect debt in INDIANA & the 1099-C that was used by their alleged client to Discharge this alleged debt that I am owed by law. I also requested proof of any letters I would have written to National Credit System bearing my wet signature giving my express written consent to them to report this alleged debt to my consumer reports pursuant 15 USC 1681b ( a ) ( 2 ).

National Credit System ignored ALL of my request and just auto verified this alleged account as validated and accurate without providing any proof of claim. This has caused great unwanted mental stress. The client they claim to represent Dismissed this case in court due to lack of jurisdiction and possible tax fraud, yet National Credit System continues to collect of an alleged debt. National Credit System also denied my request for complete accounting per 9-210 & a Securitization audit from their clients pursuant 2-609.

So as of today pursuant the Fair Credit Reporting Act, 15 USC 6802 & 16 CFR 313.7 ( f ) I called National credit System on a recorded line to Express my rights as a Federally Protected Consumer to OPT-OUT of all authorization I may have given them written, unwritten, verbal or non-verbal to sharing my " Non-Public Personal Information & my Non-public Financial Information '' to any non third parties or non affiliates immediately. I informed them the phone call was recorded and that they had 72hrs to remove this alleged information from all consumer reporting agencies, secondary consumer reporting agencies and whom ever they reported this alleged negative information to. National Credit System will not be doing anything and totally ignore my rights to OPT-OUT and they would keep reporting it. 

Please help investigate this15 USC 1681b ( a ) ( 2 ) violation and their willful non compliance and disregard for the Fair Credit Reporting Act. I will upload phone call and all laws as proof of their willful non compliance and my rights as a federally Protected Consumer pursuant the Fair Credit Reporting Act, Fair Debt Practices Act, 15 USC 6802 & 16 CFR 313.7 ( f ). I will be seeking compensation if this is not handled by the CFPB. They are fully aware that this case was dismissed and the information they are reporting is inaccurate but continue to report it, which is a violation of 15 USC 1681s-2.

National Credit System is reporting transactional history on my consumer reports which is strictly prohibited by congress and 15 USC 1681a 2Ai. Please help as these clear violations have caused me grave harm financially & mentally, I feel as if my identity belongs to National Credit System now.
Product: Debt collection

On XX/XX/2017, this debt for XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Mortgage

Ditech allows mortgage consumers to make biweekly. I have for 7 months been making biweekly payments and they are NEVER applied correctly. The extra funds are not being applied to the principal as indicated on the biweekly application. Every month I get notices that I am behind because my payments are held in suspense. This month XXXX XXXX I get a call that my payment is 27 days past due. WHY? because once again the payment has been posted incorrectly. I have spoken to manager after manage and they cant get it right. I have been told that their system can not handle biweekly payments, SO WHY OFFER THEM THEN? I have been attached late fees almost every month. No one at the company can get it right. Enough is Enough. This company is a scam and incompetent. Every person that you speak to has no idea of ANYTHING!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported a {$1200.00} debt that my insurer XXXX XXXX XXXX XXXX ( XXXX ) had rejected back in XXXX. I did not receive any notification about this debt until it was on my credit report in XX/XX/XXXX. Once it was on my credit report, I reached out to my doctors office who fixed the codes that needed to be resubmitted to my insurer on XX/XX/XXXX. I followed up again numerous times between XX/XX/XXXX and XX/XX/XXXX because XXXX  never received the claim. My doctor ( XXXX XXXX ) put me directly in contact with the XXXX representative XXXX XXXX who assured me that XXXX resubmitted this claim with the corrected codes. Again, I called XXXX numerous times between XX/XX/XXXX to XX/XX/XXXX and still no claim was submitted by XXXX. XXXX XXXX called me directly on XX/XX/XXXX and promised he had followed up and that the claim has been submitted. This is obviously lies because no one at XXXX has received anything. Meanwhile this report has tanked my credit. I disputed this claim with Experian and they refuse to take it off my credit report. I have no power to get these people to resubmit this claim to XXXX and I refuse to pay for it out of pocket based on their negligent handling of this matter. I have no other derogatory marks on credit report except this one and it is keeping me from buying a home. These people are in violation of the FCRA and should be fined for their abusive tactics. I shouldnt have to call XXXX every week for them to do their job. They filed the derogatory remark but are doing nothing to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inquiries with EQUIFAX XX/XX/2023 they replied within 24 hours that In this situation : l We request that the reporting company verify the accuracy of the information you disputed ; l We provide them with any relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation ; and l We request that they send Equifax a response to your dispute and update their records and systems, as necessary. 
If your dispute involves a public record item, Equifax contacts a third party vendor to obtain the most recent status of the public record. 

I dont know how all companies were able to provide contracts in less tan 24 hour with this i can only conclude that EQUIFAX XXXX NOT ACTUALLY PERFORM a dispute. i need to have these inquires removed.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts youre trying to collect I dont agree with them at all, and I think the amounts youre saying I owe are wrong. Dont bother sending me any proof I'm not interested. I know what's what and showing me proof wont change a thing. If you need to reach me, do it by email only between XXXX XXXX  and XXXX XXXX  EST. Dont send any XXXX, XXXX, XXXX  or courier mail and no phone calls and voicemails because it is just a hassle and inconvenience. Just setting the record straight. ACCOUNT # XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, # XXXX, for the balance of {$1100.00}, 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 an account without my written instructions I have absolutely no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe -- These accounts are being reported on my credit report unlawfully : CARTER-YOUNG INC ( AccountXXXX ) collection opened XX/XX/XXXX XXXX  XXXX  ( XXXX ) collection opened XX/XX/XXXX XXXX  XXXX  XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) account opened XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

Last month I spoke to a representative from the ( Speedy Cash ) company and was told that I missed a payment and that it needed to be paid and so not only did I do that I also explain to the representative that I wanted to opt for automatic payments so she set everything up for me the call was pleasant and we hung up, not once in that conversation was I told about any behind payments nor was I informed about my car being on a repo list my car is paid for theres no way I would ever have someone take my car from me for XXXX XXXX dollars or XXXX XXXX dollars its my only means of transportation for me and my family and as of this morning my car was taking I called the police because I thought it was stolen from me without notice of any kind it was repoed.I spoke to a lady in theyre recovery department to try and resolve the issues and she tells me that all these fees need to be paid before retrieving my car and this is where the problem lies, I am willing to pay obviously what I owe but I dont feel that I should be responsible to pay other fees that are associated with theyre laws if I didnt know the status of my car theyre saying they attempted three times by mail I dont have one correspondence from them out of three attempts I at least should have gotten one of  them an or a email or something and I didnt the last email I got was from a successful payment on XXXX/XXXX/2017 they could of called me anything but nothing. No one ever reached out to retrieve the initial payments because I could have resolved it and I feel like this is and attempted to get monies from people without purpose but I just dont have it to give please help me out. Sincerely Angry Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the account ( s ) below have violated my rights XXXX XXXX - Account XXXX XXXX XXXX  - Account XXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate 15 USC 1681 ( i ) section ( 2-a ), A procedure in case of disputed accuracy - ( 5 ) ( a ) ) treatment of inaccurate or unverifiable information ; if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate OR incomplete OR can not be verified the reporting agency shall ( i ) promptly delete that item of information from the file of the consumer OR modify that item of information, as appropriate, based on results of the reinvestigation and ( ii ) notify the furnisher of that information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( e ) after receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( 1 ) conduct an investigation with respect to the disputed information, ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of period under section 1681 ( a ) ( 1 ) of this title within a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section and ; ( iv ) if the investigation finds that the information was reported inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. 

XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9900.00} XXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024
Product: Debt collection

I receive numerous calls from several numbers with all different area codes 4 to 5 times a day. I have called the numbers back and they all lead back to the same company. They call my cell phone, my work phone, my grandmother 's phone. Today I received an inbox on XXXX, from my ex sister in law from 8 years ago, that someone reached out to my ex brother in law looking for me. I called the number back and it is again the same company. I have never even used him as a reference, the only thing I can think of is that they linked our uncommon last names and asked if he knows me.
Product: Debt collection

I have a XXXX debt with a hospital in NY state. Due to several other XXXX debts incurred at the same date and time, I was unable to enter into a payment agreement at an amount the hospital requested. They accepted lower monthly payments but stated since they could not create a payment plan for that amount they sent the debt to a collector. Is that allowed even though I have been making payments on the debt to the hospital? 
Also, now that I am able to pay and would like to start a formal payment plan, the hospital staff said they could not since they had sent the debt to a collector, even though they can accept payments on the debt and record it in their billing system. 
The collector has placed a collection record on my credit report, though they do not contact me since in my XXXX contact with them I stated that I was making payments directly to the creditor. Are they allowed to do so? If I pay the debt in full to the creditor, can I have the collection record removed from the credit report since they were never involved with the debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is both XXXX and Navient are reporting the status of an account with two different account numbers XXXX # XXXX and Navient # XXXX respectively, different dates, different balances? to all nationwide consumer reporting agencies. Additionally XXXX continues to contact we and not my attorney who is currently handing my account via POA.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. 

The account listed XXXX XXXX Account # XXXX. 

Last Verified : XX/XX/2020 -- -- Date of Last Activity : XX/XX/2020 XX/XX/2020 XX/XX/2020 Date Reported : XX/XX/2020 XX/XX/2020 XX/XX/2020 Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Closed Date : XX/XX/2020 -- -- Account Rating : Transferred Closed Transferred Creditor Remarks : Purchased by another lender Purchased by another lender Account transferred or sold Real Estate Mortgage Account Type : FHA real estate mortgage FHA real estate mortgage Real estate mortgage 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the U.S. Bankruptcy Court, which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX  verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from my credit report. 

Experian is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the US BKPT SC XXXX which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). Experian is falsely stating this on my credit report and have yet to remove it from my credit report. 

XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher court as Federal which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX  verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from my credit report.
Product: Checking or savings account

Back in 2019 I had a Wells Fargo account and there were instances where Id make a deposit at an atm and they wouldnt disburse the funds. Ive contacted claims since then and got the issue resolved. After that they was a simple conflict where I made a mobile deposit as well as cash deposit inside with a teller and they claimed my deposit was fraudulent because i instantly XXXX the money out. I again contact claims. They made an investigation, came back and said there was nothing they could do so I escalated it to a higher source provided all my documentation and still nothing resolving it. Then they later charged my account for the same amount I deposited and said it was because I made a fraudulent deposit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent this complaint multiple times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$37000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report, violating 15 USC 1681c-2. These errors are affecting my credit, so please delete them. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and with the balance of {$21000.00} as reported in my Equifax Credit Bureau. Lets correct this immediately. The Equifax Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Checking or savings account

We deposited my moms check in my mobile account XX/XX/XXXX to pay for the remainder of my tuition. A hold was put on the check multiple times. The account t is now closed and the hold which the letter they sent was suppose to be released XX/XX/XXXX. We called today XX/XX/XXXX to find out the status of the check and was told the check was never put into the account because the IRS filed on claim on the check. They could not provide a date this claim was put on the check. We reached out to the IRS whom stated that is untrue no claim is currently on this check. 
My mom then asked the IRS to put a tracker on this check so that we can get this resolved and reissued. This is an XXXX payment that citizens is not giving any information on. We have asked several times for the transaction to be canceled due to the extensive holds put on this payment with no real explanation! At first it was due to needing the check validation which the IRS stated is untrue as well.