23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reached out to National Credit Systems on XX/XX/2021, and requested that they remove the account on my consumer report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove this account. The reasons I was given is their need to contact the " original creditor '' in order to validate the inquiry. I informed the last representative that NCS was in violation of a United States Code and was told that I needed to contact the original creditor to request removal. 

NCS is in violation of the following United States Codes ( as well as others ) : Title 15 USC 1681b - Permissible purpose of consumer reports Title 15 USC 1692b Acquisition of Location Information
Product: Credit reporting or other personal consumer reports

a fraudulently charge was made on my XXXX XXXX i notified them the sent a questionnaire to be filled out and they reversed the charges as well as the late fee but it is being reported on my credit as if I missed a payment.
Product: Mortgage

I submitted complaint # XXXX. I received an email on XX/XX/XXXX at XXXX stating that PNC responded and needed additional time. A second email came in at XXXX stating that a response had been received and the case was closed. No response from PNC was received only a copy of my complaint. 

Due to this error I am submitting another complaint for the same reason as the above case number. 

In a recent review of my account through Account History documents obtained during a Rule 120 hearing to foreclose on my home, I discovered that PNC have not been posting my payment to my account since XXXX. I had originally thought there was an issue with my escrow account, but then discovered there was an issue with my entire accountmortgage payments and escrow. Some of these payments were not posted, transferred to the suspense account and withdrawn from the suspense account as if they were never received. These payments were never posted to my account at any later date. Other payments were applied to the account, but they also were transferred to the suspense account and withdrawn as if they were never received. This transferring to the suspense account also happened to credits. Other credits ( i.e. overpayments ) were kept and never placed in the suspense account or applied to my principal since the beginning of the loan in XXXX. These transfers to the suspense account is not recorded on the monthly statement in the transaction activity section or in the Yearly Month to Date. If one was to review the monthly statement, I would never show any money was not being applied to my account. I have also been charge late fees, when my account was current, even paid month or two in advance. If all of these STOLEN monthly payments were applied to my account, I would not owe another payment until XXXX. My escrow has been deficient by PNCs doing. In XX/XX/XXXX, after all of the modification payments had been applied to my account, PNC then withdrew {$830.00} from my escrow account with any explanation. Then on XX/XX/XXXX, PNC advanced themselves {$770.00}, stating there was an escrow shortage. They then refunded back to themselves each month until it was paid. At the same time I inquired regarding the shortage. I then received a letter from PNC dated XX/XX/XXXX, that another {$660.00} was being spread over 60 months for the same shortage that the {$770.00} was taken. Every year, sometime 2-3 times, this cycle of taking the lump sum each moth AND taking the shortage of the entire escrow account not the taxes and fees ( nothing is being put into the escrow as everything dime is taken out each month ) is spread over an amount of time. Both of these deficiency repayments are taking place at the same time as the mortgage payments. ALL of these issues were brought up in the court hearing with PNC attorney, but since it was outside of the scope of the Rule 120 and the Judge authorized sale on my home for XX/XX/XXXX. This has now been changed to XX/XX/XXXX. Also, in the hearing held on XX/XX/XXXX and XXXX, PNC representative stated that she did not know what happened to my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the subject of this complaint : 1. Equifax was notifed and provided all supporting legal documentation in support of my name change. My name is not XXXX XXXX XXXX, however Equifax continues to report this incorrect name 2. The correct spelling of my name is XXXX XXXX XXXX. 3. There is a hyphen between my two middle names. 4.  There is an upper tier underscored XXXX  followed by a capital XXXX in XXXX. 5. Equifax is erroneously reporting XXXX XXXX as late. This car payment has never been late. 6. Equifax is reporting an XXXX XXXX past due balance of {$20000.00}, when the payment is not past due. 7. Equifax and XXXX XXXX are over reporting the current loan balance of {$17000.00}. 8. Equifax is reporting unauthorized hard credit inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I did not authorize any hard inquiries from these institution, but I was contacted by each regarding pre-authorized card offers which [ they each ] promised would not impact my credit score. 9. Equifax is improperly reporting XXXX XXXX, XXXX XXXX and XXXX as my employer when none of the aforementioned are my employer.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Owed : {$17000.00} Late/Closed XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$210.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Collection XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$97.00} Collection Inquiries in Dispute XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible! 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! Base on, 15 U.S. Code 1666 ( a ) Written notice
by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get XXXX Experion and XXXX to take fraudulent addresses off my credit report. I just received a copy of my Experion credit report in the mail and it still shows 4 fraudulent addresses and my sons address. I have never lived in XXXX Tx., XXXX Tx , XXXX Tx . Or XXXX XXXX Tx. My sons address is XXXX XXXX XXXX, XXXX Tx. And I never lived there. These false addresses have been used by South Texas XXXX XXXX and I never received a bill from them and they never billed my XXXX insurance in 2016. The insurance company only pays out 1 year from date of service so they werent paid. I had no knowledge of this until I saw it on report. I also have 2 credit cards that have been paid off almost a month ago and they have not shown this on my report yet. Please help me get this fixed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an identity theft block to XXXX XXXX and Trans Union. I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All three credit reporting bureaus have refused to block it
Product: Mortgage

after 6 calls and told each time they were going to fix problem on their end. i keep getting late payment foreclose notices. i have not missed a payment, my auto pay paid one 2 days earlier due to a XXXX requiring early payment, my payment have bee moved up 3 times, so if a payment falls on a weekend or non working day, its applier earlier month or late. changes make auto pay since they bought my loan, i have change auto pay, after the fact, with it extra late payment, but paid still in grace period.fixing issues is and having them follow through is the main problem. it took 6 month to fix last issue, and i got foreclose notices every week. for months after the corrections.they applied the extra forced escrow payment to the wrong place even after they refused to reapply the extra principal pre paid to escrow. both in wrong account. i over pay my amount by {$75.00} for the last 10 years to cover escrow and other unseen issues. 
i have had to pay XXXX extra escrow due to prior mortgage mistake. my payments went up XXXX $ and still have not returned to normal amount even after i paid mistake amount. i hoping to sell home but need to get them to really fix problem. late fees are removed and re issued on next bill, im told they will address issue but problem goes on.
Product: Debt collection

XXXX has attempted to collect on a delinquent charge for a line of service that was never activated. In XXXX, I ordered XXXX service, however, XXXX failed to deliver the necessary equipment. I called XXXX to discuss the issue. XXXX understood their mistake and closed the account. No equipment was delivered, no line of service activated. XXXX began sending inconsistent billing statements ranging from {$0.00} to {$720.00}, and back to {$0.00}. Each time I called to discuss that this account was closed/never activated. Each call resulted in promises that this problem had been resolved and would demand no further action from me. I made more than six of these calls. Then, I received a delinquent payment strike on my credit reports. I disputed the items with XXXX and XXXX and filed a claim with the FCC. I have been transferred now four times with XXXX trying to contact them about the problem as well, no one will take responsibility or discuss the matter. Please note the dates on the statements below. XXXX is participated in fraudulent business practices.
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 XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, 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 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 card

in XX/XX/year>, I was charged for a {$2700.00} camera from XXXX. I called as soon as I saw it on the bill. I did not receive a phone call from the XXXX Chase inquiring about this expensive charge. ( Most of my XXXX  bills are around $ XXXX {$1500.00} ) I am on a limited budget a senior and on food stamps. ) When I saw charge on CC I called immediately and Chase said, there were 2 other {$4000.00} charges to the same exact company 2 days after this one which Chase did stop payment on. Next month I saw the {$2700.00} charge still on my CC and called again. Chase said they must have made a mistake and would take it off my bill. Next bill it was back on my statement. I again called and disputed it. Chase sent a letter that said, UPS delivered the camera to my address and someone signed my name. I never read an email or got a text from UPS that a delivery was being made on XXXX XXXX UPS. I get a lot of spam emails that say this or that XXXX is charging my XXXX  and to click on a link. So perhaps I deleted it thinking it was one of those because I was not expecting anything to b delivered to me. I have never bought a thing from XXXX ever. I searched my junk mail and deleted email and found no delivery or purchase order from XXXX. I sent a photo of my deleted and junk mail I had to Chase between XXXX XXXX. I sent them an ID. I am re sending a copy of my signature. I repeatedly asked for proof and they supplied none. I also called XXXX and UPS they just tossed me back and forth. In XXXX XXXX did send me the tracking number and purchase order which had my name, address email and phone number. Which not only shocked me but made me scared that someone had all this info and showed up at my house and signed my name. I am still fighting Chase.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  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 those account 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 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 1002 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 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX 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: Money transfer, virtual currency, or money service

I have concerns regarding how Zelle is handling disputes, and the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle in the past and reporting discrepancies, my bank and Zelle failed to adequately investigate my claims. I was informed that it was impossible to recover lost/stolen funds and unfeasible to track those transactions. The CFPB 's findings indicate that Zelle has neglected to protect consumers, and allowed repeat offenders to exploit the system leaving customers vulnerable to scams. The lack of accountability is unacceptable and raises many concerns regarding safety.
Product: Debt collection

I was In jail for over 3 years and got out and find out somebody try to get credit and loands under my name as fraud
Product: Debt collection

My personal information was leaked on multiple sites, resulting in more than one major data breach. As a result, of my information being compromised, I am a victim of identity theft.
Product: Checking or savings account

Hello and thank you for helping me with this, I am afraid my money is gone and I do not know what else to do. I changed jobs last year as I am sure many other people have as well. I attempted to close my XXXX account through my previous employer and transfer the balance to my personal XXXX account to avoid fees and restrictions on that balance. I submitted a paper form and followed the instructions on their website. I was told to wait 8 weeks for the balance to transfer as a " trustee to trustee transfer ''. After 8 weeks with seemingly no movement on the account I reached out to them and requested an investigation, the results of that investigation produced guidance for me to again fill out a form and mail it to a different address than originally instructed. This time in 8 weeks the money had left my existing account with my ex-employer and the account was marked closed, but no money had arrived to my new personal XXXX account. I reached out to both the new and old XXXX companies with dismay and they both opened investigations. Unfortunately, the new XXXX company simply had not received anything from the old XXXX company. The old XXXX company has opened an investigation into the transfer issue, but simply closed it in 5 days with no change to my account, no refund of my money, and no correspondence. How can I get my hard earned XXXX money back?
Product: Credit reporting or other personal consumer reports

TransUnion, Please see attached complaint - I was a victim of identity theft and need fraudulent information fix immediately.
Product: Credit reporting or other personal consumer reports

I paid for a subscription on XXXX that should have given me access to all XXXX credit reporting agency ( XXXX, Equifax, and XXXX ) credit reports and my reports and scores have not been updated in years. I also could not obtain an updated credit report on annual credit report.com. There has been several instances of fraud committed by Equifax, XXXX, and XXXX without me being able to access a credit report that is XXXX XXXX accurate across all XXXX credit reporting agencies. There are many inaccuracies that need to be deleted. I should only have XXXX name on my credit report : XXXX XXXX XXXX XXXX. I should only have XXXX address XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX. The account XXXX XXXX XXXX should have a XXXX XXXX utilization and no late payments in the payment history. Update this account to Paid As Agreed Never Late. The Collection accounts XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX are fraudulent and should be deleted. The accounts XXXX  XXXX XXXX, XXXX XXXX, And XXXX  XXXX XXXX  should have a XXXX XXXX utilization and no late payments in the payment history. Update these accounts to Paid as Agreed Never Late. The account XXXX has never been late and should be updated to Paid As Agreed Never Late. My credit report should be XXXX XXXX accurate. Please allow access to the paid subscription with all XXXX credit reports with an updated credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request to review all reports. There are differences between reports issues. I tried 2 or 3 times but they did not review it in accordance to law. Both reports have the account that does not have past and a XXXX balance use. NO info about use, or unknown information. The credit score report in transunion reports " Charged off as bad debt Purchased by another lender '' in XXXX reports " Charged off account ''. Non of them have information about " payment status or past due '' or worst payment status. The reports do not have the same information, XXXX XXXX do not accomplish to verify all before send their determination to my dispute. As a consumer I request to delete the account in accordance to the law.