23daVinci/CFPB_Complaints huggingface dataset:
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. 

OFFICE OF THE ATTY GEN LATE PAYMENT {$380.00}, i have no late payments -- -- -- -has violated my rights. 

XXXX XXXXXXXX XXXX  LATE PAYMENT -- -- - has violated my rights. 
XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE XX/XX/2022 -- -- - has violated my rights. 


XXXX XXXX XXXX LATE PAYMENT XX/XX/2022 -- -- - has violated my rights. 

XXXX XXXX XX/XX/2022 -- -- - has violated my rights. 

Inquiries XXXX XXXX numerous times this company ran my credit i did not give them permission to do so -- -- - has violated my rights. 

XXXX XXXX XXXX XXXX -- -numerous times this company ran my credit i did not give them permission to do so -- -- - has violated my rights. 

ive never lived here XXXX XXXX XXXX  XXXX, TX 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.

( i did not give you 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

they say not information about me.when I am disputing an item and notorizing it and send it to then to its me send it.they wait 30 days and send a delay letter after another delay letter.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} XXXX XXXX  XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance : {$28.00} ; XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

On XXXXXXXX XXXX  we changed insurance and canceled the insurance on XXXXXXXX XXXX  now bsi has not changed my insurance information to back to XXXX XXXXXXXX XXXX they still have travel insurance that we dont have
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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: Mortgage

I had a mortgage with Amerihome and it was sold to XXXX XXXX on XX/XX/XXXX. After confirming the amount of my escrow transfer with XXXX XXXX, I noticed a discrepancy. After reviewing the Annual Escrow Account Disclosure Statement from Amerihome, I noticed that Amerihome took FHA MIP, which is {$190.00} a month, twice in XX/XX/XXXX. I have called Amerihome at least 5 times regarding getting {$190.00} refunded to me and I am told it is not possible or that I need to call XXXX XXXX to ask for the refund. This FHA MIP was taken out by Amerihome ( before the loan was sold ) so it is their responsibility. Also, each time I call, I ask to speak to a supervisor, and I am told that a supervisor will call me in 3-5 business days and I do not receive any call backs. I need help getting this money refunded back to me. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following personal information is incorrect I have no knowledge of these account. I would like these account remove from my credit report. I have contacted all three credit bureau XXXX, Experian and XXXX. I have not received any response not a letter or anything. I have asked them to do a investigation and they have not. Its has been past 30 days and I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete a reinvestigation within 30 days of the letter and has not. 



2. The following personal information is incorrect Current Address es : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Previous Address es : XXXX XXXX XXXX XXXX XXXX, IL XXXX The following personal information is incorrect Employers : XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX PREMIUM Date of inquiry : XX/XX/XXXX Employers : XXXX The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Employers : XXXX XXXX Account Number : XXXX Employers : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Employers : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Employers : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Mortgage

XXXX transferred servicing to Greentree but did not notify me properly of the transferring. XXXX previously notified me that they were transferring the servicing and subsequently sent me a letter notifying of the cancellation and disregard the letter. I paid XXXX through XXXX until I received a return of payment. I contacted Green Tree who stated they had received transferred payments from XXXX and my servicing had transferred since XXXX 2015. Green Tree requested I pay the XXXX payment although the payment had been made to XXXX thus I have made XXXX payments in XXXX month. As of today the payment has not been transferred and I was required to make a payment. This property is on an active Chp XXXX BK but when speaking to the Green Tree representatives, all of them today due to transferring back and forth XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX ) she stated that the property showed the stay had been lifted. On further investigation she advised the stay was associated to another property. Therefore second inaccuracy is being reported erroneously on my credit and not paid as agreed and I am receiving collection calls in violation of the Chapter XXXX BK. I contacted XXXX and spoke with XXXX XXXX XXXX who confirmed my XXXX payment and all prior payments had been transferred to GreenTree. He is investigating. He could not confirm the supposedly relief of stay that Greentree indicated XXXX had provided but transferred me XXXX XXXX who after my explanation asked to place me on whole and the call was disonnected. I recalled and spoke with XXXX XXXX who stated their records show no motion of relief.
Product: Debt collection

Midland credit has been calling me several times a week for about a year now. I tell them all the time to stop calling me. I paid off some my debt and cant afford to pay anymore at this time. They are still constantly calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a fraudulent account, XXXX XXXX XXXX XXXX that has inaccurately appeared on my credit report. This inclusion is causing significant stress and negatively impacting my financial standing.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX The Date Last Active for this account on Transunion XXXX XXXX Date Last Active for this account on XXXX is XX/XX/XXXX. The Date Last Active for this account on XXXX is XX/XX/XXXX. This account isn't reporting at all on Transunion. This account is reporting in collections since XX/XX/XXXX on XXXX. This account is also reporting good payment history from XX/XX/XXXX to XX/XX/XXXX on XXXX. Then XXXX months XXXX past due on XXXX, XXXX XXXX XXXX. Then good payment XXXX XXXX XXXX followed by XXXX past due for XXXX months on XXXX again XXXX This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. Transunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised the credit agencies that my personal information should be reviewed & corrected. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Debt collection

I have tried many times to contact XXXX at the XXXX XXXX ( apartment company in XXXX, Texas ) in regards to an outstanding debt ( {$270.00} ) however they are very unresponsive. This debt of {$270.00} is from XX/XX/2022 and it pertains to my last month staying at the apartment. I was invoiced on XX/XX/2022 and tried to pay however because I was no longer a resident I did not have an option to pay via the portal. I repeatedly tried to call the front office so that I could ask how I could pay, given that I no longer stay in XXXX and the portal was not working, but no response. I then emailed the front office ( via their website ) on XX/XX/2022 asking how I could pay the outstanding charges but again, there was no response. I kept calling but they remain unresponsive. I even tried today ( XX/XX/2022 ) and no one picks up the phone. This was also an issue when I lived there, they are very unresponsive and seem to ignore their customers. 

As a result, {$270.00} was sent to collections and is now being reflected on my credit report. How could I be at fault for this when I have been actively trying to pay and have been ignored for so long? If they were to pick up the phone this would have been resolved a long time ago and all of this could have been prevented. Instead here I am now dealing with nonstop calls from what I assume to be a debt collector ( Hunter Warfield ). Also, I have not received any official notice informing me of this debt, I had to dig into my credit report to even realize this debt existed.
Product: Credit reporting or other personal consumer reports

This is not sent in error, I am so stressed out and frustrated writing this complaint. Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Mortgage

PHH XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX PHH is refusing to acknowledge a Death certificate that has been sent MULTIPLE TIMES since XX/XX/2019. 

PHH refuses to send us to the United States when we reach an overseas rep This is a VIOLATION OF FEDERAL LAW!!!!!!! 

PHH refuses to call us back we have been promised a call-back no less than a dozen times and NEVER RECEIVED A CALL BACK!!! 

PHH IS REFUSING TO SEND DOCUMENTATION TO US THAT THE HOMEOWNER CAN SIGN TO REMOVE LIABILITY FOR PHH TO REMOVE SOMEONE THAT IS DEAD EVEN AFTER BEING PROMISED SEVERAL TIMES NOT ONLY FOR IT TO BE SENT, BUT FOR A CALL-BACK BECAUSE IT HAD NEVER BEEN SENT TO US.

PHH is purposefully LYING and THEREFORE COMMITTING FRAUD against this widowed homeowner. WHY ARE THEY LYING?? -- -- - WHAT ARE THEY TRYING TO HIDE??? -- -- PHH does not care about its clients. PHH does not care about Federal or State Law.

***********THIS NEEDS TO STOP!!!!!!!!!!!!

Mr. XXXX is extremely recently widowed with XXXX small children to care for, and I expect at the very least PHH to  deal with us honestly, and not take advantage of his grief by refusing to acknowledge the passing of his wife. I want the DEAD wife removed as a borrower from the Conditional Approval. I want this short sale moved forward immediately, and worked as I was told it would be on XX/XX/XXXX. I wasnt an updated Conditional Approval immediately. I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, they  clearly have no interest in complying with federal and state law. They dont care about their widowed borrowers, and they dont care about military personnel. 


I also want PHH fined to the maximum extent of the law, and prevented from doing business in the State of California. As evidenced by the MANY lawsuits and fines levied against PHH, ( MOST RECENTLY FOR FORECLOSING ON XXXX XXXX SERVICE MEMBERS ) they clearly have no interest in complying with federal and state law. 

**Please see attachment : Authorization Letter and Death Certificate **Please see attachment : Conditional Approval showing a dead borrowers name on it. 
**Please see attachment : " PHH to pay $ XXXX over military service member foreclosures ''
Product: Debt collection

I have received repeated calls from Diversified Consultants Inc regarding XXXX/XXXX  service that I canceled and owed a balance on due to programming and equipment fees that I have paid and the equipment has been sent back and therefore I have zero obligation to this debt. The programming fee of {$55.00} was drafted from my account on XX/XX/2019 ( See attached PAYMENT.jpg ). The equipment was taken to the XXXX store on XX/XX/2019 as I was instructed ( see attached .pdfs ). From that point it was the responsibility of XXXX to ship the equipment to XXXX/XXXX. .As the attached recording proves I contacted DCI on XX/XX/2019 to inquire if the equipment had been received and while on the call made the payment arrangement for the programming fee. I have since received at least two more calls from DCI stating that I still owed a balance to which I dispute. I instructed the last caller to cease and desist from calling me and that I would be filling this complaint. I will seek legal counsel and file suit for any additional calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Has violated the faith in the public trust and ignores commercial laws. I assert That My status needs to be reported as active with good standing only on any public form. XXXX XXXX  lack of disclosure and false and misleading business practices have been fraudulent and a form of extortion, You simply can not bind any minor into any agreement without showing proof that you have performed on your duties and that their is proof for mutual benefit. XXXX XXXX  as acted not as a securities transfer intermediary but as a debt collector and loan shark and solicited private consumer information. XXXX XXXX  must also provide recession provisions you can not ignore letting the minor or any party know their duties acceptable practices and terms of cancelation. XXXX XXXX has taking Estate credits and issued them to the beneficiary did not give the full value of the credit, sold or transferred the note and private information and extorts the beneficiary to make him seem as the trustee and further defraud ESTATE Property. Beneficiaries are due reconciliation for damages payable immediately and un demand. XXXX XXXX  has neither provided proof verified by 3rd party or AFFIDAVIT of truth on any points beneficiary has made sticking to the principles and starting with showing that they have the promissory note in its original wet signature form, and that the funds credited were from XXXX XXXX  prior assets ; date and time of the Board meeting with share holders that provided XXXX XXXX  to lend from these assets, the beneficiary is also a shareholder of XXXX XXXX  and was not notified of this meeting nor approved of this extortion. The trust relation ship is expressed as given notice publicly recorded within county court. all family members and accounts were carried out in this manner and an immediate investigation of Tax evasion should be warranted Immediate return of all property is demanded. They have claimed charged off funds with the internal revenue service and never issued a 1099-C to the beneficiary, then sent XXXX XXXX my personal information to continue to extort funds from the beneficiary. CO- conspirators known as credit bureaus ( Transunion XXXX XXXX , shall be subject to the same fines of fraud yet not limited to any violations they are guilty of. XXXX XXXX  is also continuing to garnish wages from labor and report this being paid as agreed with negative collection statuses continuously renewing and continuously lowering " credit scores publicly damaging to the Benefiacry ''
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : Private XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, XXXX, and XXXX, credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, another credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, another auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.