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

The Following accounts were used unauthorized. I am a victim of Identity Theft it affect my credit standing and finances. I need help removing the following accounts from my credit report! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX I noticed this collection agency had an account on my credit report. Therefore, I reached out via email to NATIONAL CREDIT SYSTEMS INC. ( The email that they have in their website ) I sent it to XXXX separate emails in total. 
XXXX I followed up again via email to National Credit Systems INC . Still no response. 
XXXX I followed up again via email requesting information on this debt. 
XXXX I contacted through phone to National Credit Systems . I verified who I was. I spoke to a supervisor for National Credit Systems. I asked him what was National Credit Systems License #. I need to confirm that this is a legit company and its not a scam! XXXX XXXX ( Supervisor at National Credit Systems ) informed me that he doesnt have to give me that information. That I needed to reach out to the Georgia state Secretarys office to obtain that information! They also did not inform me of my right to dispute this debt! I have a recording for evidence!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Ive contacted Transunion numerous of times Ive provided documentation to validate my claims and nothing has been done to remove or validate the accuracy of the information I am a victim of identity theft and Ive mailed in over thirty five letters certified in the last year on top of me putting together this information to finally get this resolved Im attaching additional documents. The Fair Debt Collection Practices Act ( 15 U.S.C. 1692-1692p, as amended by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) prohibits debt collectors from using unfair or deceptive practices to collect overdue bills that a creditor has forwarded for collection.
Product: Credit reporting or other personal consumer reports

Submitting this complaint again to follow up on my previous request for the removal of unauthorized inquiries that appeared in my credit reports in the complaint dated XX/XX/XXXX. I requested the complete removal of the said inquiries. As a reference, I am attaching my FTC report # XXXX. Again, here are the inquiries I want you to expunge per bureau : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX **********EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 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 account without my written instructions.
Product: Mortgage

PHH Mortgage crediting of checks is delayed and received date in their system of record is incorrect.   Mailed    XX/XX/XXXX payment  USPS Priority  tracked mail on   XX/XX/XXXX    . Priority mailed was delivered by   XX/XX/XXXX    .   Check had not cleared by XX/XX/XXXX   . Concerned, I called the customer service line the next day. The rep told me the check would be posted that day,   XX/XX/XXXX    . The rep also told me that PHH Mortgage date of receipt of the check was their processing date, XX/XX/XXXX   .   Fortunately this was within their grace period. I asked the rep to refer my comment to the supervisor -- the date of receipt is the date the mailed check is DELIVERED to PHH Mortgage, not the date PHH Mortgage chooses to process it.   PHH Mortgage 's lag in posting checks is consistent ( a week or more after documented USPS delivery date ), although this was the worst incident , 2 w eeks, perhaps due to   XX/XX/XXXX   holiday. I feel COMPELLED to pay fo r USPS  priority postage and tracking in order to be able to prove that I paid on time, given  PHH ' s track record of slow processing. It is frustrating and should be unnecessary.
Product: Checking or savings account

I ' m filing a complaint against Suntrust Bank For transferring funds and closing business account without my authorization. 
My business account funds were transferred in 2012. 
I was out of work due to a head injury and going through rehabilitation. For sometime I've been looking to locate XXXX XXXX XXXX   account ; A business partner went to Suntrust to transfer funds into a unknown account. 
I was not in agreement to this transaction and I did not sign anything in agreement to this unauthorized transaction. I reached out to Sun trust about this serious matter with no response.Suntrust has a record of the amount of funds transferred ; without my authorization.
Product: Checking or savings account

Eastwesk the bank didn't want to approve my accountWhy did mail to me an invalid debit card and force me to bear the shipping XXXX dollars XXXX I think it's the bank fraud from XXXX You can see how many complaints are made against this XXXX bank ( Eastwesk Bank XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a report recently reguarding a dealership running my credit fraudently and as a reesult I incurred alot of hard inquries. I accidently left out some of these inquries that was left out of that report because I was awaitng for an offical credit report to b mailed out to me, but wasn't aware they included more. I would like to at this time include these inquries to the report I previously submitted. The previous report number is # XXXX. These are the added Inquries below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX ( bank ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$620.00} Account Name : XXXX Account Number : XXXX {$56.00} has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Inaccurate closed account reporting. 

I am disputing the reporting of an old, closed account with XXXX XXXX XXXX. The account information is incorrect due to the following reasons : The account remains on my credit report beyond the reporting period allowed by law ( over 17 years as it was closed in XX/XX/year> ).
Product: Mortgage

Dovenmuehle Mortgage was the servicer of my mortgage until some time in XXXX. They sold my mortgage without notice to me. I went to modify my mortgage payment amount and realized that I could not. I emailed them in XXXX to ask about why I was receiving paper statements and that I needed to adjust my payment amount due to updated escrow ( I pay extra ). They took over a week to respond to my email, and that after I had already called them. I spoke with a lady that tried to walk me through the process and when it didn't work, she had to put me on hold for 1/2 hr to find out that my loan had been sold. I received no information from Dovenmuehle until after my next payment was already due. Since I hadn't received any info from the new place either ; as they would not receive my info until after the payment due date, I was unable to handle my mortgage payment until 1st hearing from the new company. The last payment date to Dovenmuehle was XX/XX/2021. No notices are available online about this sale either. When they finally responded via email, again, there was no info about the fact that my loan had been sold and just a walk through of the process online ; which was disabled because they were no longer servicing my loan. When speaking to the lady on the phone, she told my that my bank account info would transfer over and the payment would process before the due date ; which was not true. None of it transferred over. Good thing I was on top of this process. Had I hoped for it all to efficient and correct, I could've been late on my payment.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( XXXX  REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


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


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

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

Delete the late payments from my consumer reports
Product: Mortgage

My loan was with XXXX XXXX, whom I also filed a complaint against. XXXX applied my mortgage payment somewhere else and it took them almost a year to resolve and figure out what they did. They sent me a letter regarding the misapplied payment. I received notice that my loan was getting transferred to Shell Point Mortgage and BEGGED XXXX to resolve my payment history prior to selling it. ( Even after a year, they were not showing the applied mortgage payment ). They did not. My first payment letter with Shellpoint showed applied/ unapplied mortgage payment. I couldn't even understand what was going on and I '' m in the mortgage business, but could tell that my missing payment wasn't applied correctly. I IMMEDIATELY sent Shellpoint the  information from XXXX and received notification that Shellpoint was reviewing and looking into it. They have been calling me 5 TIMES A DAY, not leaving a message. I called them to talk to someone and got hung up on after holding for 30 minutes. I do NOT want to be harassed by them and get this many calls when they are supposed to be looking into the information that I sent to them.
Product: Credit reporting or other personal consumer reports

I have disputed accounts that were inaccurate as permitted under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, This reporting is inconsistent with the FCRAs provisions, particularly Section 623, which requires furnishers to provide accurate and complete information to credit reporting agencies. 
Under the FCRA, Section 605 ( a ) ( 4 ), negative information like charge-offs must be reported accurately and must not be duplicated or misrepresented. Reporting a charge-off for multiple months as if it were a recurring event is misleading and could be construed as inaccurate reporting. A charge-off is a one-time accounting action and should not be listed repeatedly for the same debt.

Additionally updating accounts open dates to more recent dates shows inaccuracy. The date the account open and close should be accurate and not updated to show false data. 

No changes for the mistakes were made and I was not given verification on where this information was coming from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. 
Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission complaint # XXXX & # XXXX and Identity theft complaint # XXXX Also an affidavit of truth was submitted to the Consumer reporting agencies notarized inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraud accounts that were opened without my knowledge or consent : 1. XXXX  XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX I attach an FTC identity fraud affidavit, please investigate and delete these fraud accounts.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address ongoing issues with XXXX, Experian, and XXXX regarding inaccurate and misleading information on my credit reports. Despite multiple disputes, the errors remain unresolved, which demonstrates noncompliance with federal consumer protection laws. 

Details of the Inaccuracies XXXX. Incorrect account dates that do not match the original creditor 's records. 
XXXX. Inaccurate balance amounts, which are not consistent with actual account statuses. 
XXXX. Payment history errors, such as reporting late payments that never occurred. 
Accounts with Inaccuracies Below is a list of the accounts in question XXXX XXXX XXXX XXXX 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

To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Equifax regarding unauthorized credit inquiries that have appeared on my credit report. After reviewing my recent report, I identified several inquiries that I did not authorize and have no knowledge of. Despite contacting Equifax to resolve this matter, these inquiries remain on my report, causing significant frustration. 

The unauthorized inquiries in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Attached to this complaint is an Identity Theft Report filed with the Federal Trade Commission ( FTC ). This report, along with the corresponding case number, supports my claim regarding the unauthorized credit inquiries on my credit report. I kindly request that the necessary steps be taken to address this issue in accordance with the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention and review of this document as part of the investigation.

I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove these inquiries from my credit report, even after I brought the issue to their attention. The sections of the FCRA that support my claim are : Section 611 ( 15 U.S.C. 1681i ), which outlines my right to dispute inaccurate or incomplete information. I have disputed these inquiries, but Equifax has not conducted a satisfactory investigation.

Section 609 ( 15 U.S.C. 1681g ), which grants me the right to access my file. Upon reviewing this information, I confirmed that I never authorized these inquiries.

Section 604 ( 15 U.S.C. 1681b ), which details the permissible purposes for credit report inquiries. I did not give consent for these inquiries, and Equifax has not provided evidence of a valid reason for them.

Despite my efforts to resolve this directly with Equifax, these unauthorized inquiries continue to negatively impact my credit report. I request that the CFPB intervene to ensure Equifax fulfills its legal obligations under the FCRA by removing the unauthorized inquiries and providing me with an updated credit report.

I appreciate your prompt attention to this matter, and I am happy to provide any additional information needed for your investigation.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX sent {$100.00} payment via Zelle to purchase a car part. Turns out the the seller did not send part and another company wanted an additional {$100.00} to ship said part. Asked to be refunded from seller and they told me no.
Product: Credit reporting, credit repair services, or other personal consumer reports

RADIUSGLOBAL has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, if you can not prove any of the information mentioned in the past credit report data that I contested with, please remove them on my credit history. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/ 2018 there was a hard pull placed on this date they said they would give me a courtesy removal. I recently looked at my XXXX XXXX and this was still here. They said they would remove it from my file. I called up again recently and they told me best to fill it out here and that you guys would be better to fix this.