23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against NATLCRSYS for Violating My Rights Under 15 USC 1681-s 2 ( 7 ) ( A ) Dear Sir/Madam, I am writing to file a formal complaint against NATLCRSYS for violating my rights under 15 USC 1681-s 2 ( 7 ) ( A ) by reporting inaccurate information on my consumer report. As a consumer, I am deeply concerned about the impact of this inaccurate reporting on my financial well-being and reputation. 

On XX/XX/2024, I obtained a copy of my consumer report from the CRA and discovered that there were several inaccuracies in the information reported. Specifically, the date this account was opened, and date last active, all three bureaus are showing different dates. 

These inaccuracies have had a detrimental effect on my credit score and have made it difficult for me to access credit or financial services.

This has caused me undue stress and financial hardship, as I have been unfairly penalized for information that is not a true reflection of my credit history.

I believe that NATLCRSYS 's actions are in direct violation of my rights under 15 USC 1681-s 2 ( 7 ) ( A ), which requires consumer reporting agencies to maintain accurate and up-to-date information on consumer reports. By failing to do so, NATLCRSYS has not only harmed my financial standing but has also undermined my trust in the consumer reporting system.

Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), debt collectors are required to provide consumers with written notification of their rights. I have not received any such notification from NATLCRSYS, which is a clear violation of this regulation.

I am seeking your assistance in investigating this matter and ensuring that NATLCRSYS complies with the relevant laws and regulations governing consumer reporting.

I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Received my Economic Impact Payment card on XX/XX/21. Following the instructions, I tried to call the number : XXXX. My intent was to activate the card. However, when I tried the number several times on XX/XX/21 and XX/XX/21 their automated phone message told me my phone number was not recognized. All other routes to contact them still lead back to the 8100 number. There is no " on-line '' activation that I am aware of. Their recorded message suggests I call them using a different telephone. I have only the one telephone. So, they have no computer activation or any computer contact procedure, the only phone I use is " not recognized '', there is no resolution procedure available other than to call their 8100 -- which, of course, does not work. What is the resolution to this problem? No contact information at IRS except to call the 8100 number. One can not help but wonder who is profiting off the interest in all the accounts in the same state as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, TRANSUNION is obligated to report accurate accounting, I have advised All the negative information reported is fraud. The companies involved had 4 days according to LAW to remove this information from my consumer report. An FTC fraud report was filed on my behave. I am now requesting TRANSUNION to provide the documentation and prove that the information is indeed accurate. TRANSUNION has 15 days to provide me with the name of the person ( s ) spoken to, documentation used, a signed application, GAAP accounting report, I am not asking for an e-Oscar report. If TRANSUNION does not have documentation to shows that the companies involve follow the SEC rules and credited my accounts, then it must be removed ASAP. The companies involved is liable under the SEC to follow certain rules. I will be filing FORM 211 treasury omb forms to audit my consumer accounts. TRANSUNION is securitizing data and refuses to provide me with a copy of my CONSUMER FILE not my CONSUMER REPORT. 

XXXX XXXX XXXX XXXX- has refused to credit my account with the dividends from the security they hold. 
XXXX XXXX - Was discharge with a negotiable instrument XXXX XXXX - has been discharge with an negotiable instrument XXXX XXXX XXXX - creditor failed to credit my account for the dividends they received from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX XXXX XXXX - creditor failed to credit my account for the dividends they received from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX - creditor failed to credit my account for the dividends they received from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX - creditor failed to credit my account for the dividends they received from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX XXXX Car - creditor failed to credit my account for the dividends they received from the security I gave them, XXXX XXXX XXXX.
Product: Credit card

Credit Bureau Dispute Resolution Wells Fargo XXXX XXXX XXXX XXXX, MN XXXX Dear sir, Thank you for your letter regarding my closed account of Wells Fargo . Since this account and attached credit card were meant for my small business, registered as the XXXX XXXX in New Jersey, I do not have sufficient information to satisfy your interest ; however, I will try to write down whatever I remember. The account was closed just after my admission to XXXX XXXX XXXX with the intention to move to XXXX, NY which had the right program at XXXX for my child. Since Wells Fargo did not have the branch in XXXX area, I determined to close the account for the preparation of next step after the Pandemic. However, with some reason, our path had changed and staying still in XXXX XXXX, NJ. As your record must have shown, I must have closed the account around the beginning of XXXX with decision to re-start XXXX XXXX after a few years of employment in XXXX area. I remember I conversed with the teller at the branch in XXXX XXXX, NJ. 
The information requested as below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Unfortunately, I do not remember the account numbers of both checking account and credit card made for the XXXX  XXXX. 
XXXX XX/XX/XXXX of XXXX Regarding Wells Fargo, I remember there is no mention just the names of soft inquires. Most likely, the accounts were made for my business, the XXXX XXXX, therefore, it might not be included into my, XXXX XXXX, credit report. In this point, it is not clear due to the shortage of knowledge on American system. 
I enclose the Identity Theft Report. 
If you need more information, please let me know. Due to the malfunction of my computer, possibly because of the hacking from several sources, the visionary effect is not perfect to create the satisfactory results. I apologize it. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. D15961 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A : It also states a consumer reporting agency can not furnish an 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, credit repair services, or other personal consumer reports

I bought this house on XXXX XXXX in XXXX Mississippi in XXXX. XXXX shows a purchase date of XXXX. This is taking away 10 years of my credit history as I'm trying to buy a new home. XXXX says that I have to locate my paperwork from XXXX to prove that was when I bought the house. I bought it in XXXX and not in XXXX
Product: Mortgage

In XXXX of 2016 DiTech financial informed us they did not have proof of our last property tax installment. We faxed the receipt to them and heard nothing more. In XXXX, we attempted to pay our first installment of property taxes and were refused. We were told that DiTech paid them. We called DiTech and asked why they paid the taxes and they said that they started a escrow acct. We were not informed nor did we request a escrow acct. We asked DiTech why this happened and we were forwarded to the Property Tax division where we eventually were passed to a supervisor in the XXXX office name XXXX. XXXX investigated and admitted that DiTech made a mistake and that we should not have had the escrow acct. That it was XXXX and right after the holidays within a week he would contact us and let us know that the issue was resolved, that the taxes were now back in our responsibility. The contact never came, my wife and I personally called XXXX and left numerous messages but no returns ever came. A letter came XXXX XXXX stating that our account had changed and it was now under escrow, no viable information as to why was offered. We made our normal mortgage payment ( without the addtional escrow fee ) in XXXX, DiTech accepted it without issue. 
Since we determined that the only way we were going to get out of the escrow account was to search for a refinance option. We found an option with better terms and shorter duration and no escrow. We accepted the offer and closed on XXXX XXXX. We attempted to pay our XXXX payment to DiTech and they refused the payment unless we paid an additional XXXX for the escrow. We stated we were not paying the escrow that we never agreed to the escrow and we had found other financing because they forced us to. DiTech responded with the threat that we either pay the full amount they stated or they would turn us over to the credit agencies. 

On XXXX we received a letter from DiTech stating we are now late and have added $ XXXX to our account as late penalty. 
This threat, even if it does not come true, is completely a bully tactic and left us with no choice but to look for your help. We will also be filing with the Oregon State Attorney General 's office so that DiTech can be told that they do not have the right to bully and do as they wish with my home or credit.
Product: Credit reporting or other personal consumer reports

I sent all XXXX of the bureaus a request to validate the negative accounts listed on my credit report back on XX/XX/2023 and no one ever sent me what I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called CITI Best Buy card to inquire about my ongoing payments on an account I had with them. I have had the account over 2 years. I would use the account for no-interest purchases but I always had {$100.00} a month taken out as an autodraft. This was been done for 2 years. In fact, I know each month when it will be taken out and I can see it on my statement. 

We move from XXXX to XXXX in XX/XX/2019. XXXX XXXX has been my bank account for 10 years. There is not a XXXX XXXX  here, but I placed enough funds to run the rest of the bills through and then call to change accounts. When I called CITI-Best Buy I was told that my account was past due and that I was being reported on my credit. 

They said the XXXX payment was returned NSF and that I had not paid the XX/XX/XXXX payment because of this. I said I never knew it was returned and asked how they had contacted me over this. I showed on my account where it was paid and the account is now closed so I can not view it. 

When I questioned they said even though I get electronic messages, that none had been sent out in regards to this because their system doesn't allow that type of message. I asked about calls. He said he saw once in 60 days a call had been placed to my phone number but it showed " No Contact '' was made. I very much question the truthfulness of that. Then I asked how about mail? I have all of my mail forwarded from my XXXX XXXX XXXX . He said the system shows that it went into my account and " Updated '' my address with a new address that I did NOT authorize and it was INCORRECT. So their computer updated an incorrect address and I was not recieving any physical mail from them either. 

So they could not email me, due to their error not mail me, nor had to contacted me via the same phone number they have had on file for 2 years. But yet I am supposed to know the payment was returned and make a new one from my new bank account. This is absolutely the dumbest thing I have ever heard. 

I told him I wanted the account paid in full and closed on the spot. I told the rep I was reporting them to the CFPB and he chuckled. He said it was their decision to report or not and that the CFPB couldn't reverse anything. I am furious for this action on CITI Best Buy and I believe they should be held fully accountable. 

No consumer should use this company or be subjected to their ways. This is an example of taking total advantage of a customer, lowering their credit score and forcing them to pay higher than normal interest due to their maleficence.
Product: Money transfer, virtual currency, or money service

Hello I was told that my account was a negative XXXX and I didnt take it out. They locked me out my account. Im trying to see if I can get my account back and my XXXX that was taken out. They accepted a check and it wasnt in my account.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely researched. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on as quickly as time permits. I sympathetically demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting and u verified collection on credit report by XXXX XXXX XXXX in the amount of XXXX. Both experian and XXXX XXXX are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 

They are required to provide the original contract agreeing to pay this amount bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance
Product: Vehicle loan or lease

I was sold a vehicle with a warranty in XX/XX/2022. I contacted the warranty company to request cancelation of the warranty. They said the dealer would have to request it. I contacted the dealer and was given several different excuses on why they couldn't cancel the warranty mostly referring to not sure where the form was or wasn't familiar with the process or the person wasn't in that knew how. I have since paid off the loan and I went to the dealer again to request the cancelation and they got on the phone with the lender and lender stated they can't cancel it now that the loan has been paid off.
Product: Credit reporting or other personal consumer reports

There are credit inquiries in my credit report from XXXX XXXX  til the present that I did not authorized. I only authorized one person inquiry which was in XXXX XXXX with XXXX XXXX XXXXXXXX I have not applied for any credit since then and any inquires after XXXX XXXX  are not authorized by me and should not be on my report
Product: Credit reporting or other personal consumer reports

Realized that I was a victim of identity theft on XX/XX/2022. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter.
Product: Credit reporting or other personal consumer reports

Balance update XX/XX/XXXX - Opened XX/XX/XXXX Company - Capital One Balance XXXX I requested a copy of the original credit card agreement with my signature. 
I requested the debt to be verified and sent to me. XX/XX/XXXX Never got a response XX/XX/XXXX I also sent another letter to all XXXX  credit bureaus still didn't get any response just got a new update date on my account making the debt look new which it wasn't. 

Capital One Balance XXXX XX/XX/XXXX Date Opened Credit Limit XXXX I requested a copy of the original credit card agreement with my signature. 
I requested the debt to be verified and sent to me. XX/XX/XXXX Never got a response XX/XX/XXXX I also sent another letter to all XXXX credit bureaus still didn't get any response just got a new update date on my account making the debt look new which it wasn't.
Product: Credit reporting

XXXX XXXX Ph. XXXX I called the company that bought out my loan from another company who originally had it. I agreed on an amount with them and my account would be considered paid in full. I paid it on XXXX of 2015 and they still have no reported it, so that it shows on my credit report. Every time I call them they say to call the original owners of the loan. which I did and they keep tell me that its not their responsibility.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, ( XXXX ) XXXX ) referred me to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) in XX/XX/XXXX over a {$600.00} medical bill. This bill is supposedly for services rendered in XX/XX/XXXX. 

However, I never received a bill from anyone not on the date of service, and certainly not over the last year. I am XXXX XXXX military, and obviously move routinely. It appears XXXX may have been sending all my personal information to an old address that someone else now has. Neither company can explain to me what the bill is for. 

Thank you, CFPB, for the great work you do.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

a woman out of XXXX, Texas broke into the drop box of what was XXXX XXXX XXXX which has gone bankrupt and sold the property. mine of XXXX other apartments rent and utility money orders were stolen from the drop box. apartment was notified by police this was happening in the area and did n't take precaution to prevent this from happening. after that a month later I moved out. the money that was stolen from the apartment has been in collections going on 5 years. ProCollect out of XXXX, TX is the collector ph # XXXX.i explained to them that I paid my bills but the money was stolen from there drop box. which is n't my responsibility to pay again due to their failure and notification from police this was going on before it happened. They asked for proof of the robbery of the building and I went down to the police station and got copies of the report that my money that I put in there drop box was stolen out of there office and sent a letter from the chief of XXXX, Tx, Police Department saying and proving that my money was stolen. He also lived there during the occurrence. The collector keeps calling and saying I owe money that I paid 5 years ago and I owe the stolen money the apartment failed to secure. me and my fianc have both asked for proof of debt and for the original debtors information which is the owners of XXXX XXXX XXXX which they will not give. ProCollect told us to google the information on a bankrupt business denying us the ability to contact the original debtor to dispute the false debt. I have contacted a lawyer and I will be writing a cease and desist letter sending the police report and letter from XXXX again a to PRoCollect and also sending it to all XXXX credit bureau 's to continue to dispute. after that if it is not removed from our credit report I will have no other choice but to file a lawsuit.
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things incomplete and not accurate. 
According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer 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 the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer.

Also according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C 1681B ( 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.