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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT ACCOUNT NOT MINE Please Remove me as a authorized User THANK YOU 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information CKS PRIME INVESTMENTS, L it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) Opt out ( 1 ) In generalAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 
I am herby requesting all above disclosures required by Federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The XXXX XXXX XXXX XXXX XXXX credit card account : XXXX is lost/stolen, and all of the charges/transactions are fraudulent and unauthorized. The following hard inquiries are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX/ XXXX  account number XXXX which is on my credit report and does not belong to me. I have tried to dispute with the credit bureaus but am not able to dispute online with XXXX due to security reasons. Equifax document upload would not allow me to upload documentation. 
The credit bureaus have made it very difficult to correct errors on my report due to technical difficulties with their websites. 

I need to dispute this account as it does not belong to me. I contacted the collection agency responsible and they sent me a notification this would be corrected and I need to ensure it is corrected immediately.
Product: Debt collection

XXXX had reported 2 identical accounts from Commonwealth Financial Systems XX/XX/18 in the amount of {$1300.00} it shows up twice. This is due to identity theft because I have never lived in XXXX, KY. I would these items removed because I have disputed the info and CFS stated they would show I am disputing the inaccuracies.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. 
Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 


Please remove the following unauthorized hard inquiries from my credit report : XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX BANK - XX/XX/year>
Product: Credit reporting or other personal consumer reports

This account was opened up Fraudulently. My identity was stolen and misused, I've tried to resolve issue, and I have been unsuccessful in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had inaccurate reporting on an  XXXX  charge account for over 6 months now and the credit bureaus still allow the creditor to report the account status as " delinquency  XXXX  '' and it has been dampening my  credit score . I working hard to buy my wife and daughter a new house but the home loan company says my scores are too low and in fact dropped from a  XXXX  as my mid score down to a  XXXX  and the only thing derogatory that changed was   XXXX    report  XXXX  the derogatory remark. I do n't know what else to do we 're suppose to close on   XX/XX/XXXX  a nd these companies have all the power to affect such a large part of our lives. I have made mistake but for this to keep affecting me the way it has seems very unfair. I also had a loan taken out by in my name that the bureaus still have not taken off even after the police and other government site provided me with everything to hand over and I did now i had to pull the account out of dispute status so FHA will approve us but that i can deal with later. Im desperatley trying to get the ccredit bureaus to delete the delquency states and negative remark so my score and report will reflect accuratley. I made some notes on a credit report which I have uploaded. I 've tried disputing the account atleast 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit report from " Premium CB '' in XX/XX/2020. I have not heard of this company and did not authorize an inquiry. I would like this to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

The banks are in violation of 15 U.S. Code 1681n for willful noncompliance of the FCRA. In accordance with the Fair Credit Reporting Act, the banks have violated my rights under 15 U.S. Code 1681 ( a ) ( 4 ) it states that I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 2 ) Credit reporting agencies can not furnish an account without my written instruction, under 15 U.S. Code 1666 ( b ), The banks may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S. Code 1681a, ( 2 ) ( A ) ( i ) my credit report must not include information on my transactions or experiences between me and the banks. 15 U.S. Code 6802 ( b ) Opting out, the banks must clearly and conspicuously disclose to me, in writing or in electronic form or other form permitted by the regulations that such information may be disclosed to Credit reporting agencies and I am given the opportunity, before the time that my information is initially disclosed, to direct that such information not be disclosed to credit reporting agencies ; and I am given an explanation of how I can exercise my nondisclosure option. 
Per 12 U.S. Code 1431, Powers and duties of banks, is to borrow money, issuing bonds and debentures. According to the doctrine of ultra vires the banks claim I owe money is in violation of their corporate charters. A loan is a Deposit of Money by A Customer with Banker ; XXXX XXXX XXXX XXXX. These banks on my credit report are acting in fraudulent violation of doctrine of ultra vires never provided disclosure that when I applied for the loan or credit, that I was actually providing the value in the transaction per Federal Reserve Act, Section 16, number 1 & 2. 
" Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes 'fraud, ' and entitles party deceived to avoid contract or recover damages. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following ITEMS which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently received a copy of my ( Equifax ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.
Product: Checking or savings account

On XX/XX/2020 my account was overdrafted by the end of business day due to a bill submitted by a merchant. The bank claimed that whenever a merchant submit a bill, they don't verify against your checking account and it only gets processed by the end of business day. That act caused my account to be overdrafted without any notification from the bank, so I could cover the charge and avoid being charged an overdraft fee. I have contacted chase and they have refused to overturn the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX ( XXXX creditor : XXXX XXXX XXXX - XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$620.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit card or prepaid card

Direct express is holding my ssdi payments for over two months. First attempt of transfer : my balance reflected the withdrawal for two weeks and they blamed Bank XXXX XXXX, after two weeks my balance was corrected and showed the reversal of transfer a day after the transfer. I literally didnt know where was my $ from XX/XX/XXXX to XX/XX/XXXX. Then they said I wasnt verified, I sent them on XX/XX/XXXX all the info they asked and included the routing number ( my bank doesnt provide on their statement ). They said they would contact me, never did. On XX/XX/XXXX found out they refused to verify me bc of routing number wasnt on the statement. XXXX, manager told me she cant talk to decision making department. I am not in the state & XXXX and my bills havent been paid. They refuse to contact my bank, this will take another several weeks, thank god direct deposit from ssXXXXi went through for this month, apparently same bank information was sufficient for ssXXXXi it is not enough for direct express to release the . Social Security should stop using their services, we have no choice in this not at least for a few months till the direct deposit process gets through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, thanks for taking the time out to consider my issue. 

I am the owner of XXXX XXXX and my name is XXXX XXXX XXXX experian XXXX ID # XXXX CASE NO : XXXX was not resolved therefore I am reaching out to the CFPB for a solution. 

I have Contacted Experian credit monitoring services ie : ( SmallBusiness.experian.com ) ( www.busuinesscreditfacts.com ) on multiple occasions for two reasons! 

1. Experian continues to report my business address incorrectly despite me reaching out to them via XXXX on XX/XX/XXXX. Experian continues to report my business address incorrect after I followed the companies instructions and manually updated my address via www.businesscreditfacts.com. 

When going back to check the website ( www.businesscreditfacts.com ) after updating the address shows an incorrect address for XXXX XXXX which I am able to search in their system. 

XXXX XXXX ( CORRECT ADDRESS ) - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XXXX. There is an account reporting incorrect UTILIZATION information. There is no account that i have that is currently at 100 % utilization. This is incorrect information and needs to be fixed immediately. It seems to be affecting my Experian Commercial business credit score. As of today XX/XX/22 This account shows a balance of XXXX with a utilization of 100 %. I have no business credit acct or vendor that reports anything less than {$1000.00} dollars. 

There isn't enough information available for me to directly contact the company reporting the info before reaching out to Experian Commercial. I checked my experian business credit report and there is no form of contact for this account reporting 100 % utilization. 

I HAVE ATTACHED SCREENSHOTS AND VIDEO PROOF OF EVERYTHING I HAVE ADDRESSED IN THE MESSAGE ABOVE.
Product: Credit reporting or other personal consumer reports

I have had XXXX XXXX XXXX XXXX XXXX I have a lot of inaccuracies on the accounts due to late charges that they have placed onto the account they have had me to pay those amounts many time and my credit report never reflects what happened in the corporate office on their end, I got sick in XX/XX/XXXX, I was food poisoned and I died on the table 3 time and I had to have my hands amputated, I was septic,, I was in a coma for months but my car note was still being paid, they told my daughter they were only moving those couple payments to the back of my loan so the late fees wouldnt be deducted from the payment and they put be in another loan for 5 years so I am stuck with a vehicle I cant even trade in even back into them or refinance they have violated all the law of my consumer rights. This creditor has placed inaccuracies on my credit reports on all bureaus, and that is a violation of my frca consumer rights 15 U.S.C CODE S 1681 AND 15 U.S.C S1681s-2 and 15 U.S.C S 1681a.I needs to be removed
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute owing any and all debts to RADIUS GLOBAL SOLUTIONS LLC. I am requesting debt validation. I am requesting the purchase agreement between RADIUS GLOBAL SOLUTIONS LLC and the original creditor XXXX XXXX ( Cable/Cellular ). I am requesting proof that RADIUS GLOBAL SOLUTIONS LLC Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. 
2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 
4. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of RADIUS GLOBAL SOLUTIONS LLC communicating with me through email/text/calls. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby requesting the deletion and removal of the listed accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported, and their presence on my report constitutes a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted from my consumer report to rectify the violation of these laws. Immediate action is required to ensure compliance with the FDCPA and FCRA. Please remove these accounts and associated information without any delay.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. There are several late payments on the account listed as XXXX  XXXX Account # XXXX this is not accurate and neither consumer agency provided me with the financial records that prove I was indeed late with these payments. They can not provide this information because it would be against my privacy rights for them to have access to my financial information. 

XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments do not match up and the information is reporting differently on each consumer agency.

( 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 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Mortgage

I have been making my payment ( s ) on time for the past 13 months and my mortgage company is reporting to all ( 3 ) credit bureau that my payments have been late. I always submit all my payments on time. Due to the fact, my lender has been sold to another company they do not process my payments on time.
Product: Debt collection

After not being able to get through via telephone during the holiday, I decided to mail my payment to prevent being charged a fee for making the payment via agent, and to apply the additional fee towards my mortgage payment. 

I sent a check for {$22000.00} Priority mail on XX/XX/2019, with an expected delivery date of XX/XX/2019 ( See attached receipt ), very early in the morning to assure delivery in a timely manner. 

On XX/XX/XXXX a received a call from a PHH representative that my payment wasnt received and I needed to pay over {$5000.00} dollars because nothing less would be accepted. 

I informed him that the payment was made and he stated he would research to attempt to locate it. 

On XX/XX/2019 PHH called and when I answered the telephone, the person didnt respond and hung up the telephone. 

I called back and spoke to someone in XXXX, who stated they can not locate my payment. I explained that the payment was made and I dont have access to a fax machine but could email the receipt. He stated the receipt cant be emailed, but could be mailed, then he gave me the mailing address. 

I asked if I could stop payment on the check they lost and make the payment with him now. He stated he could not do that. I was then transferred to the Escalation Department. 

The Escalation Department pretty much told me the same information as the representative. They are requesting I send the front and back copy of a check that they lost. I dont trust PHH mortgage and decided to make my complaint public. 

How are they losing payments? What if I mailed my payment by regular mail and didnt have proof of payment?
Product: Debt collection

Jefferson Capital Systems , LLC has used obscene and belligerent language requesting to collect a debt ; that they have shown no evidentiary documents I have a contract with the said company. Jefferson Capital Systems , LLC are in violation of 15 USC 1692.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request the immediate blocking and deletion of certain accounts from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are the result of unauthorized activity and should not appear on my credit report. 
The following accounts should be blocked and deleted : Accounts : XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXXXXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$25000.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Mn. Is trying to say I still owe on something u filed a Bankruptcy over for XXXX. they have tried to reage the account to XX/XX/XXXX when in fact they 've had it since XX/XX/XXXX. When I filed against XXXX back then it was filed against XXXX XXXX.XXXX IL.XXXX now their trying to stick me with it reaged. The credit bureaus do n't believe me even though I 've offered proof.
Product: Debt collection

The debt was opened on XX/XX/2022. It is not mine, I don't live in Texas or have visited Texas in over ten years. the birthdates don't match on the debt that's trying to be collected. XXXX XXXX XXXX XXXX is the debt collecting agency. there info is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Texas Phone number XXXX. I have tried to call there resolution center and have left multiple messages and no one has gotten back with me.