23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It is both surprising and troubling to receive a letter from National Credit Systems , Inc. claiming that I owe a debt. As your company appears to operate with questionable practices, let me clarify a few points. 

I was a resident at XXXX XXXX and opted not to renew my lease after experiencing multiple issues, including severe mold and XXXX instances where the ceiling collapsed. Upon returning from work travel, I found my living room and kitchen severely damaged by fallen ceiling and waterlogged wood. Given these circumstances, I exercised my right to exit the lease. 

Despite this, your company is attempting to collect a debt that is not yours to begin with. I have already sent a 1099-C to the IRS to offset this process and request the return of any funds. Additionally, under 15 USC 1692g, I demand that you provide verification that this debt is indeed yours and proof of any agreement that I signed contracting with National Credit Systems , Inc . 

I do not consent to the use of my personal or private information, as this could constitute aggravated identity theft. Furthermore, I do not consent to the publication of any information related to this alleged debt on ANY credit bureaus. Should any erroneous information appear on my credit report, I will have no choice but to pursue legal action against your company, which has no legitimate standing on a debt that was never yours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of a XXXX XXXX Card Services account and several inquiries appearing on my credit when I went to co-sign for my niece to purchase a car and I was denied. I looked through my credit report and I didn't recognize any of those inquiries or account. I have never opened an account with that company nor did I ever allow those companies to run my credit ; I do not have any contract or agreement with any of the companies listed on this report. At this time I don't know who opened this account or made these inquiries in my name without my permission but I have already filed a police report and notified the companies. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Texas is being reported on my Experian, XXXX, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I would like some assistance with the disputes I have sent to Equifax. I sent a letter to Equifax on XX/XX/year> letting them know that these collection accounts were being reported inaccurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all of these collection accounts are being reported as open accounts with past due balances. This is not correct. These collection accounts are not open and should not be reporting a past-due balance. I also informed them that this account XXXX XXXX XXXXXXXX is a duplicate account ; this account is being reported as a charge-off with a balance of {$670.00} that was sold to a third party collection company XXXX, who is also reporting it with a balance of {$670.00} and also reporting as a charge off with a XXXX balance with remarks stating it was sold to another lender. So, the account is reporting 3 times. I then sent another dispute to Equifax on XXXX, letting them know that the information in reference was still being reported as inaccurate. I understand that all information must be reported XXXX percent correct. However, here we are almost 4 months later, and the information is still being reported as incorrect. Writing to Equifax about these errors and not getting the issue resolved is frustrating, not to mention it's costing me time and money. Please assist me with getting this issue resolved. I will attach copies of the letters sent to Equifax. I appreciate your help in resolving this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquires listed. They are below as follows : AMEX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Report act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 or other personal consumer reports

XXXX XXXX XX/XX/2024 XXXX  XXXX XXXX XXXX TX XXXX C/O PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Subject : Urgent Request for Removal of Inaccurate Late Payment Reporting Dear PH Mortgage Services, I am writing to formally request the immediate removal of an inaccurate late payment reporting for the month of XXXX on my credit report. I was in a forbearance status during that time, and as confirmed by XXXX from your escalation department, this payment should not have been reported as late. 

As a veteran with a XXXX XXXX, this issue is not only an error but also a violation of my rights. The incorrect reporting has negatively impacted my credit score, which is causing significant harm to my family. Due to this error, I am currently unable to receive additional credit, which is affecting our financial stability. 

I respectfully request that this late payment be removed from my credit report within the next 7 days. Should this not be resolved within the requested timeframe, I will be forced to take further action, including obtaining legal representation and filing a formal complaint with PH Mortgage Services as well as the XXXX XXXX XXXX XXXX XXXX XXXX in the state of Texas. 

I trust you will address this matter promptly and I look forward to your swift resolution. 

I have attached proof of both the email I was sent from PHH and the forbearance letter stating no late payment should be reported for those months. 

Sincerely, [ XXXX XXXX ] [ Account Number : XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were opened or reported without my knowledge or consent, likely due to identity theft stemming from a data breach. As such, I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items removed immediately. 
Accounts to Block and Delete XXXX XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$76.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$1500.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$1300.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$950.00} XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - Date : XXXX - Amount : {$7300.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$520.00} XXXX. XXXX - Account XXXX : XXXX - Date : XXXX - Amount : {$0.00} XXXX. XXXX - Account XXXX : XXXX - Date : XXXX - Amount : {$0.00} XXXX. XXXX - Account XXXX : XXXX - Date : XXXX XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$0.00}
Product: Checking or savings account

I enjoyed opening the account until they strung me along withholding the {$50.00} bonus promised to me upon fulfilling all of the requirements necessary using the code " welcome 50. '' I was emailed upon being direct deposited over 1,000 on XX/XX/2021, I was congratulated and told to be expecting my bonus XXXX dollars because I received a direct deposit over the amount of XXXX dollars within the first 45 days of me entering the code " welcome50. '' However after being told to wait 10 business days to receive the funds and then being told to wait 30 business days to receive the funds in an in-app chat support conversation that disappears way too quickly and then escalating the case and being told to wait 4 business days and then being told to wait 4 more business days : I have received a bonus of {$0.00}. 
Only gaslighting from bots in the chat.
Product: Credit reporting or other personal consumer reports

CC : CONSUMER FINANCIAL PROTECTION BUREAU AND AND FEDERAL TRADE COMMISSION. RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g. CFFB COMPLIANT NUMBER : DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!! I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile byTransUnion for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all accounts listed below ( In Addition to, falsely reported inquires and an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

On XX/XX/2023 Enterprise Rental issued me a {$680.00} credit on my American Express account. As of XX/XX/XXXX, it has not been credited. AmEx continues to charge me interest. They can immediately debit my account upon a charge. 11 days later, they can not even show it pending. This is by definition Unfair and Abusive.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX and all payments were placed on Autopay. 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 XX/XX/year>, 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 21 days before the payment due date. 


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 21 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: Credit card or prepaid card

On XX/XX/22 I received notification there was a new inquiry had been opened on my credit report for Nordstroms. I did not apply for this account/credit card. I contacted the Fraud Dept through XXXX card and they put a fraud alert on my credit reports. On XX/XX/22 I contacted Nordstrom and they closed the account and opened a fraud case on their end. I have been instructed to file a complaint with the FTC or local police department.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and realize that I had damage on my credit report According to the 15 U.S.C 1681G law violation there should not be any damage on my report
Product: Mortgage

We just received ( XX/XX/XXXX ) written notice from Wells Fargo Home Morgage that our escrow account has a XXXX projected shortage of {$450.00}. They are requesting we pay the total amount of {$450.00} no later than XX/XX/XXXX. Wells Fargo is projecting that property tax and homeowners ' insurance will increase in cost. My question : Does Wells Fargo Home Morgage have the authority to raise the escrow fees based on their projections.
Product: Debt collection

ID Data International {$390.00} XX/XX/2018 I have no clue about this debt with IQ Data International and it has damaged my credit tremendously. I have tried to contact them several times about this matter. IQ Data International has committed two violations. 

Under Section 807 of the FDCP False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt Under Section 808 of the FDCP 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Product: Mortgage

In XX/XX/2023 my mortgage payment increased. I called to see why this happened and was told there was an escrow shortage and that once the shortage is paid off it would last no less than to the end of the year. I told them I did not want my payment to go up, I would just pay the shortage. They told me that my payment would still go up even if I paid the shortage because they need a " cushion ''. I didn't like it but what was I to do... They bought my loan, and I can not refinance to go to another company because the interest rate would go up 5 % higher than what I have now. 

Now it is 6 months later, and they are raising my payment again stating cushion and escrow shortage .... So, I was lied to in XXXX. How can my mortgage payment increase twice in 6 months!!!! 

They have nothing but excuses. I asked for an audit of my account, and they refused, I asked for a detailed statement of how it goes up twice in a year they refuse... If I could move companies I would, but I cant!! Something is not on the up and up!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The account below is being reported wrong. Account showing closed with a balance. I have received a XXXX for this account so balance should be XXXX. Not sure why bank continues to report it with Balance. 

The account is not in collection of should be listed as charge off. 


Auto Account : XXXX XXXX XXXX {$31000.00} Closed
Product: Bank account or service

My bank told me that they were n't legally obligated to keep the balance of my account current on their website. Specifically, pending transactions will post only a certain amount of days ( showing the real balance ) until they are dropped, after which the balance no longer reflects the pending transactions ( showing a false balance ). The problem is once they pending debits are dropped from the online statement ( even though they are still pending ), they are removed from the balance, removing those debits. 

I thought I had positive balance when in actuality I had a negative balance because what was on the website was not the real balance. I attached my last withdrawal, when I thought I had enough in my account to do so. I would have taken out less cash if I had known they took the pending debits off my balance. That 's trickery they used. 

I ended up being charged overdraft fees and then extended overdraft fees that added up to around {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXX  ) continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never done me any service, they have never provided me any product and I don't know who they are. After several attempts to contact them they failed to disclose an agreement or reply. 

I wrote to them on XX/XX/XXXX and sent a follow-up correspondence XX/XX/XXXX and another one XX/XX/XXXX and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A.

according to the section my rights of privacy are recognized.

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. XXXX never had any instructions from me.

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report.

I never authorized XXXX to make such reports.

15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXX. 


I NEED THIS ACCOUNT DELETED