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

These inquiries are unauthorized and they are not related to any transactions by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Affidavit of Truth and an Invoice to XXXX XXXX XXXX, here is the tracking # XXXX. I also sent an Affidavit and an Invoice to McCarthy Burgess & Wolf , Inc tracking number $ XXXX and XXXX XXXX XXXX XXXX XXXX, tracking number # XXXX They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 

Theses companies have reserves multiple invoices under the same tracking numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. On XX/XX/XXXX, I received a letter from them stating that they had verify the account, see attach, but they did not provide me with the requested information that was used to verify the accuracy of account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit reporting or other personal consumer reports

Good Afternoon. I only have one credit card with XXXX XXXX, a personal loan for {$2900.00} and a Mortgage payment with CMG Mortgage as a ACH monthly payment from my bank and this is all. I decided to call XXXX Credit Company so they could explain to me why my credit beacon dropped XXXX points Since XXXXXXXX XXXX in thirty days from a score of about XXXX by XXXX XXXX wise credit for when i updated my current income and my credit allowed from {$2500.00} to {$5500.00} was increased in or around XXXX. So, according to XXXX at XXXX Credit the CMG Mortgage company decided to sell the portfolio to a XXXX XXXX XXXX on XX/XX/2025 after two years of making direct ACH payments on time to them. XXXX, just told me that because CMG Mortgage Company sold the portfolio to another Mortgage Company called XXXXXXXX XXXX that because the account was closed and portfolio sold to another Mortgage company even though I did not close the account directly or indirectly this would affect my credit beacon XXXX points or close to it. they are reporting incorrect credit fico of XXXX points or close to this and that affects my credit as to opening any credit account or barrowing money and having to pay a higher interest rate on something I have no control which is XXXX. My income is almost {$100000.00} a year and I do not need credit. But this is highway robbery making me look like I do not make my payments on time or i am a dead beat. This credit issue reporting credit errors which are not true and correct need to be stopped and I want some one from the federal government to call them and have my credit score changed back to back to XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to investigate the following account : XXXX XXXX XXXX  Account : XXXX I was never late on the paid off account listed. I have late payment reporting in XX/XX/2023 and Im not sure how that is because I have always paid on time. Please show me documentation showing proof of the transaction showing I was ever late to support your inaccurate reporting on my credit report. I have encouraged family members and friends to join you all to reap the benefits of this great company. These late payments have affected me tremendously dropping my credit over XXXX point I have become XXXX  as I seem to never be going to be able to purchase a home. No one in my family owns a home and I want to break the generational curses. This is an INVALID late payment and I ask that those late payments be updated in the payment history to paid as agreed never late ( PAANL ). As the FCRA allow 30-days for this issue to be rectified This is also a violation of 15 USC 1681b ( a ) ( 2 ) ( Ai ) as I the consumer did not provide written instructions to release any information, and doesnt include any information solely as to transactions or experiences between the consumer and the person making the payment. This is also a violation of U.S. Code 6802 ( b ) Obligations with respect to disclosures of personal information meaning that a financial institution may not disclose to a third party unless the financial institution has provided the consumer a notice in which I have not received. Nor was I giving the option to op-out it was only the option to op-in I also understand that according to federal law 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Thanks, XXXX XXXX
Product: Debt collection

Hello, i was called and told that medicare covered all of my services except anesthesia for my teeth being pulled. I was told o would absolutely need the anesthesia because i had an abscess so i went to a different doctor ( not this company involved ) and lied to them and told them that i never had an abscess but they said in their records that i had one so couldnt go wothout anesthesia even tho medicare said that it wasnt in their records so i didnt need anesthesia. So i never got anesthesia or any teeth pulled. So i dont know why im getting charged if this company was in contact with my providers and said everything else was covered except for what i didnt get so everything was covered. Yesterday i found out about this debt and i call medicade today and they said it was paid for and they dont know why i have this debt and this is the only way to deal with this now that its with a debt collector. On top of this i had NO information or any notice of this bill at anytime except for yeaterday when i paid off a debt i owed.Sorry for these issues. I dont know why medicare keeps not paying my medical bills even when they say that it will be covered and have been covered already. Where is their money going if they have sent it through and i still owe? I think that should be looked into.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX and XXXX has failed to resolve the investigation, I have requested debt validation and they have not provided yet they responded to the compliant I placed in this portal as unable to resolve so since they are usable to resolve or investigate, I demand that they remove their information from my credit file as this doesn't to belong to me!!

information on the loan statements shows a name that is not my name it shows ( XXXX XXXX ) please remove immediately!!! from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/2016 I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$570000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 and again on XX/XX/2016 to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( 06-30-00 ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my 20 different letters copy of my signature required service via UPS and evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance within the allowed 30 days. 

" I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As  you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, this creditor has violated my rights. under 15 U.S Code 1681 Section 602 states I have the right to privacy.

15 U.S Code 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish my account without my written consent and instruction.

15 U.S Code 1666 B. A Creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.
Product: Money transfer, virtual currency, or money service

I was scammed. I was given a fraudulent check by people I didnt know. My bank Wells Fargos ATM ( XX/XX/2020 ) accepted the fraudulent check and the amount was available in my teen checking account within 24 hours of me depositing it into my account. So, I took the full amount out the next day ( XX/XX/2020 ). The day after that ( XX/XX/2020 ) the check bounced and now I am negative that amount. As soon as I realized I was scammed I went to the bank and they said that because I used my account I was responsible for paying back that money. That check I deposited was for {$5500.00}. I do not have that money nor do I have the means to pay that back. The people who had given me the fraudulent check took the money I deposited. I work part-time at a XXXX XXXX I dont have that money. Please help.
Product: Mortgage

We recently got notice for XXXX XXXX that our property taxes were not paid. We received a notice that our house was going to be put up for tax sale because of the unpaid taxes. 

We received a corrected tax bill and were also notified that the corrected bill was sent to our mortgage lender as well. They obviously did not pay attention to the bill. We had to call and had to waste our time sending them our documents showing that the bill was unpaid. 

I asked multiple time for notification that the payment had been issued. They did not contact me back. I see on our loan account that the disbursement was sent. However, I don't know if the payment will get there on time and I don't have any information on whether or not they paid the fees for the past due amount. 

We have until the XXXX for the payment to be sent there and I don't see the payment being posted to XXXX XXXX sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  tax liens listed on each of my credit reports, dated  XXXX ,  XXXX ,  XXXX . I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from  XXXX  should be taken off my reports, if not all of them. But they still remain on my reports.     I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $  XXXX  of their products to do so, and have gotten no where in actually contacting a human to fix this error.     Please assist, thank you. I can share a screen shot from a  XXXX  report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has merged my account with that of my sister 's. I asked for and received a free credit report that had my name on it, but my sister 's date of birth and social security number ( which is similar to mine ), and her student loans were mixed in with the loans that belong to me-I believe this is called a " mixed file ''. 
I called Equifax to have this resolved and was told that they could not verify my identity ( I'm assuming due to the file being mixed up ) and that I would need to send a letter explaining the problem to their Dispute Department. I did as I was told and mailed my complaint including copies of documents that clearly showed the mix-up, as well as documents that confirmed my identity ( SSN card and driver 's license ). I received a letter back letting me know that my identity could not be confirmed. 
I called Equifax again and the exact same thing happened-they couldn't confirm my identity and told me that the only step I could take was to send a letter to their Dispute Department again. 
I've attached the pertinent documents below, including a paper from the original report which shows my name but my sister 's date of birth and SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been well over 60 days since i've reported to all three bureau XXXX XXXX and experian about several incorrect and incomplete information being reported to my credit report. This letter is a formal complaint I've attempted to resolve this matter but i am not getting any answer from the bureau as a consummer I am exersing my right. 


federal law requires respond within 30 days, yet the have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated I am maintaining a careful record of my communications on this matter, for the purpose of filing a complaint the bereau has been willful non-compliance.
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. 
XX/XX/5178 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: Mortgage

We have previous complaints regarding this mortgage with PHH. I saw a response from PHH that listed a XXXX as a contact person. We had never been referred to XXXX through this process. Icalled XXXX on XX/XX/2016 and explained our situation. He toild me he was the supervisor in charge of all of PHH 's loan modifications. He said he would look into our issues and get back to me in a few days. I had not heard from XXXX so I called him on @ XXXX PST XX/XX/2016 and he told me that he was working on our loan modification and would have it finalized in a couple of days. He said he would reinstate our loan modifications and that we would have to bring the payments current from XX/XX/2016 to present. I said that would be fine. XXXX is when PHH stopped accepting our payments. XXXX would have been the first regular payment after the trial period. They had accepted two trial payments and the first was accepted by XXXX the previous servicer. XXXX told me that he would get back to us with the paperwork soon to get this resolved. 
Not hearing from him I called on XX/XX/2016 and left him a message asking about our loan. After no response I called XX/XX/2016 @ XXXX PST and left him a message asking about our loan and asked for a call back again. I called XX/XX/2016 again left a message to call me back please. After no response I called again XX/XX/2016 @ XXXX PST and again left a message to please call. With again no response I called this morning XX/XX/2016 and left a message to please call me. We feel we have no choice but to make another complaint. After the encouragement we we received from XXXX from our initial contact with him we are very distressed in the fact that we have not heard from him again for over 3 weeks. 
Phh should have stopped reporting negatively to credit agencies as of XX/XX/2016. They are still reporting negatively to credit agencies and this is negatively affecting our life in many ways other than economic.
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating XXXX U.S.C XXXX XXXX ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5  % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act XXXX XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
Product: Debt collection

I recently filed for verification of a debt to a Company by the name of Hunter Warfield , INC . The Company did not proved valid information that a debt was owed on my behalf. The company sent me copy of a lease with itemized charges, and the Company did not have any validating signatures from the creditor. I do not have any signed contracts or agreements with this company for a debt they claim that I owe. This account is effecting me negatively on all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

This is a Notice to Infrom the following agencies TRUIST ( XXXX XXXX XXXX XXXX  who Inquired/Conspired with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/year> Violation under authority of 18 U.S. Code 894 Collection of extensions of credit by extortionate means ( whoever knowingly participates in anyway, or CONSPIRES to do so, in the use of any extortionate means ) these two Corporations and their underwriters there of have conspired together to damage my consumer report Violating the FCRA Pursuant FCRA Section 605B it is illegal to report information on my credit report without my permission. 
Violating the FCRA Pursuant 15 U.S.C 1681b permissible purposes of consumer reports Pursuant FCRA Section 611 ( 15 U.S.C. 1681i ) unverified inquiries must be removed. 
I challenge these inquiries and it is my right to be compensated for these violation on my consumer report Pursuant 15 U.S.C. 1692k-Civil liability 2 ( A ) in the case any action by an individual, such additional damages as the court may allow, not not exceeding {$1000.00} Pursuant 15 U.S.C. 1691 & 12 CFR 1002 clearly states that I can not be Denied credit due to credit score, credit history, or income. Any adverse actions in consumer credit transactions is illegal.