23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am not liable for the debt from the third company hunters warfield inc. the original contract was never received. They have been unsung communication tactics and threaten to take legal action against me. I never received proper written notice from the original creditor therefore I am not liable for the debt owned from someone else to this company. I do not own this debt to hunter warfield inc. they are a third party collection violating my rights to not furnish any accounts without my consent. 


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 : # 8769128, 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My XXXX yr old Mother signed for a Reverse Loan on a Home that was paid off. XX/XX/XXXX She made payments on this Reverse Mortgage. after filing Bankruptcy XX/XX/XXXX an she was told by XXXX XXXX XXXX She was to continue her payments. Our trustee XXXX XXXX XXXX discovered we wasnt to pay. Reverse Mortgage did nothing. My Mother passed XX/XX/XXXX. Reverse Mortgage filed a Automatic Lift an Stay. XX/XX/XXXX. We hadn't filed her Will. Judge Rule we simply Talk. They would not receive our Calls. 
From XX/XX/XXXX to XX/XX/XXXX.Mother had paid XXXX we told the judge were willing to sell the house but we want the XXXX applied to the balance I wrote emailed an faxed several letters XX/XX/XXXX an  XX/XX/XXXX to RMS asking was they going to apply the money? their Attorney 's do not rec calls or talk to any one I was told. I rec a letter in XX/XX/XXXX an XX/XX/XXXX saying the was doing an Inquiry in to the situation. I never heard anything. I then rec a letter XX/XX/XXXX stating we would be foreclosed on XX/XX/XXXX. we then heard from XXXX XXXX 3 days later thru our Probate Attorney. I was told they couldn't foreclose because we was in Probate. an heirs are allowed 6 mos. 
1 ) Reverse Mortage Solutions received payments they haven't acknowledged an attempted to Illegal Foreclose.

2 ) RMS stated in Court before the Judge XX/XX/XXXX. I could refinance the Loan. Not true. you can not refinance a Reverse Mortgage 3 ) RMS also stated they applied the XXXX ( while in Bankruptcy XX/XX/XXXX ) the money was applied to fees an interest. Not true. 
4 ) RMS didn't honor my Mother ( XXXX XXXX XXXX ) wasn't to make payments heirs suppose to make payments. 

I rec monthly statements from RMS an alledging XXXX dollar loan. The balance is now XXXX. The balance clearly hasn't decreased with payments from XXXX. 
Im attempting to sell her home of 50 yrs. Im aware I must seek an Attorney. RMS is unethical, illegal. I personally have witness 5 people in our neighborhood that Reverse Mortage illegally took their homes. 
I would like for you all to inform them that what they've done Illegal. 
I would like a pay off statement with all payments attached Including RMS adding Insurance after they was informed WE had insurance I have Bank Statements etc. 
Please stop RMS from treating the Elderly an their families this way. 
Please contact me for forms receipts Bank statement whatever you need to confirm my accusations. 
XXXX XXXX excutator of Estate then Daughter. 
Email : XXXX Cell : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Collections Bureau is attempting to sue me on a debt that is my father 's debt. I called the original creditor and they confirmed this. When they went to file suit they did not provide any documentation that the debt was mine. Only the legal assignment to the courts. I am infuriated. XXXX, the account rep, was very rude when I figured out that I may not owe this. She told me that there is nothing that can be done until they hear it from the original creditor. Credit Collections Bureau is not a nice place to do collections. They are very rude when you try to settle or tell them they need to wait while I figure something out. I am looking into an attorney because the way they are treating me is not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off XXXX XXXX XXXX thur a collection company. I had a XXXX balance and now im showing a balance of XXXX on a credit card with XXXX limit. does not make sense. XXXX  XXXX is a rip off.
Product: Credit card or prepaid card

Dear CCB/CHLDPLCE ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2022 30-days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Mortgage

Chase just reaged an account on my credit report and it dropped my credit score. They are currently listing me as 180 days late as you can see on the payment status. Then they are listing the late payments incorrectly across all three credit bureaus. This is a violation of the Fair Credit Reporting Act, Section 623 Furnishes of Information. The last reported date is incorrect on all three credit bureaus as well.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Collection Account and Request for Permanent Deletion Dear Sir/Madam, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] ), which is appearing on my credit reports with Experian, Equifax, and TransUnion. This account does not belong to me, and I have no knowledge of the debt associated with it. 

Upon investigation, I found that XXXX XXXX XXXX XXXXXXXX is not listed as a licensed collection agency in the National Mortgage Licensing System ( NMLS ), which raises serious concerns about the legitimacy of this debt and the authority of the collection agency to report it on my credit file. As a result, I am disputing this account in its entirety. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I request that you investigate this matter and provide proof of the validity of this debt. Due to the lack of proper licensing, I also demand that this account be permanently removed from my c

redit report, as it is not only inaccurate but also illegally reported. Under 15 U.S.C. 1692e ( 5 ), I am entitled to dispute any collection activity that is based on fraudulent or erroneous information. Furthermore, as stated in the FCRA, the credit reporting agencies have an obligation to ensure that only accurate and verifiable information is included on consumer credit reports. 

Therefore, I am formally requesting that : The account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX be permanently deleted from my credit reports with Experian, Equifax, and TransUnion.

Provide documentation showing that this collection agency is properly licensed, if applicable. 

Cease any further reporting of this fraudulent account. 
Please be advised that I expect your response and resolution of this matter within the statutory 30-day period, as required by the FCRA. Failure to resolve this issue promptly may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit card

I just got the final result for complaint XXXX XXXX This company is very good at what they do. I was told ( as I have multiple cards ) that when they verify my ID they will unblock both cards. Well her I am over XXXX months into this and they want me to send them the same exact copy of what I just sent them and they used to verify my before they unblock my other card. I asked them why they couldnt just use the copy they already have ( a company with some intelligence would have just unblocked all cards upon verification ) I could barely understand her response. Just that I had to send it again!!! Is there a law against this absolute stupidity like harassment or something? Just for the record the limit on both cards combined is {$1000.00} so its not like Im trying to ruin them, and the activity on the other one that was suspicious was that it was paid off. I hope something can be done about this kind of treatment to customers. These XXXX cards are destiny cards! I have a total of XXXX cards through XXXX credit but only the destinys are a problem. I really hope these complaints are a bad thing for the company. Im also going to report them to the XXXX  and any other agency I can think of!! Im screwed either way, if I dont send the id theyll close my acct. and its bad on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX, XXXX ( living, sentient, breathing, natural man ) bring forth this claim against EQUIFAX for knowingly and willfully violating my Federally Protected Consumer Rights under the Fair Credit Reporting Act " FCRA '', 15 U.S.C 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C 5531 and 5536. 

On XXXX XXXX, 2024, I sent a dispute notice to Equifax, disputing inaccurate information on my credit report, said corporation is required to maintain " maximum accuracy ' as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). EQUIFA failed to address my dispute and sent me a generated stalling letter requesting information that was already provide to them in the initial dispute notice. Furthermore, Equifax engaged in unfair acts and practices by using their ineffective system and flawed process to send me a computer generated letter that wasn't examine by a human because my dispute were deferred to the furnisher instead of Equifax conducting the investigation as it is obligated to. CFPA 12 U.S.C 5531 ( c ). As a result of this error and coding error, Equifax defamed my character, it provided in accurate credit score and information to lenders which is a violation of the FCRA section 607 ( b ). I requested said corporation to provide me with the names of who they spoke with to verify the information, addresses and what methods were used to verify, but that information was never provided. The accounts being disputed are ( XXXX, ACC # XXXX ) and ( XX/XX/XXXX XXXX XXXX XXXX, ACC # XXXX ). These accounts lacks validation and sufficient evidence to support its accuracy. Without possession of the original promissory note or equivalent internal accounting ledger to validate these accounts. This also violate the Federal Rules of Evidence " FRE '' 1002, Which mandates the production of the original documentation to prove its contents. this unverifiable reporting also violates I5 U.S.C 168e ( b ) and the Consumer Financial Protection Act { CFFA ) 12 tJ.S C 5531 ( c } ''. I have made several attempts to reach out to Equifax via phone to dispute these items, but I was told by Equifax 's agents on record line that " we are following our company 's policy, the FCRA does not apply to us ''. With no regards how this is affecting the lives of the consumers being impacted while also providing false, misleading and deceptive information. These recordings can be send to the CFPB for further investigations and will be played for a federal judge or grand jury if the corporation refuses to honor its obligations under the FCRA to its consumer. the CFPB just fined Equifax in a recent case # ( 2025-CFPB-0002 ), for the above mentioned acts, practices and failure to maintain compliance standards and reasonable procedures dealing with consumer reports. Equifax has failed to conduct a reasonable investigation and delete the unverifiable information as required by 15 U.S.C. 1681i ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Name ] performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA.

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX that would justify this inquiry.

This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages.

Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately.

Thank you for your attention to this matter, and I look forward to your timely response. 

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

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Mortgage

I have received several letters from Wells Fargo in the last 30 days, starting on XX/XX/year> and the most recent letter on XX/XX/XXXX, and there were at least 2 other letters and they are stating different and confusing statements concerning ( flood insurance, hazard insurance and escrow accounts, that state there were escrow accounts and insurance policies purchased or sent up for me for my mortgage account on my manufactured home.I have had and I have maintained home owners insurance on my home for the entire length of my loan with Wells Fargo and the insurance company sends a notification every year to Wells Fargo that I have an active insurance policy and that this policy has flood and hazard coverage.Wells Fargo continues to purchase policies and escrow accounts without my authorization and then after I call to question why they have done this, they apologize and tell me not to worry, then a few days later I receive another letter saying something different, so at this point I don't know exactly what is going on with my account! I am supposed to have an escrow account to pay my county and school taxes and I pay my home owners insurance myself, so I don't know what other escrow accounts Wells Fargo is setting up or why?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly correct the following items as soon as possible : 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 XXXXXX/XX/XXXX
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 XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 vears.

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. I demand these fraudulent items off to be removed from my credit report!
Product: Credit reporting or other personal consumer reports

Happy Day, I have been trying to get my information removed from Early warning as I have called and spoken with XXXX multiple times over the years as well as stopped by several branches since XX/XX/. I have spoken with the risk department, customer service, management, and collections via phone. I do not have any outstanding accounts with this company. I do not owe any money to this company. I was not able to get any documents from early warning or any other reporting agency verifying what is owed or any account information. XXXX has also stated on their recorded line they do not have my social, name, email, phone or address linked to any account. I love XXXX, however this is affecting my ability to use and maintain my actual bank as well as open other accounts. I have managed by other means as this matter has taken a back seat until recently. I was unaware I can not use my XXXX XXXX  benefits or open additional accounts as needed. All my accounts are restricted. I am only filing a complaint because I would love to get this resolved. I am only asking to be removed from early warning as I have been trying to figure out what account needs to be addressed and this has not been provided in the last 2 years which far exceeds the 30 day limit for a response, so I am bringing it here. I am led to believe this was simply a technical error, which is fine as long as it gets corrected. I need to maintain my financial health in order to maintain the health of my home. The company itself is awesome but I am kind of stuck due to this misunderstanding. My partner has recently become paralyzed due to a horrible accident, my financial situation has changed and I really need this resolved so I can support my household during this difficult time. Thank you for any assistance in this matter.
Product: Checking or savings account

A check was deposited into my checking acct at BofA. The BANK cleared the check that was then sent to a merchant who cashed the check at XXXX XXXX. XXXX XXXX reported that the check was fraudulent and charged my acct at BofA for the amount of {$1900.00} on XX/XX/year>. 
Bank of America denied coverage of what they reported to me as check fraud, in spite of the fact that they cleared the check and approved the XXXX transfer. XXXX XXXX was alerted by BoA who reportedly denied fault. 
Bank of America made several transfers from my other accounts to reduce the debt without my permission
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I have an unresolved collection balance with them for {$9900.00}. I am attaching a copy of the settlement I arranged with them back in XX/XX/2018, and also a copy of the wire-transfer that shows I funded the arrangement. Despite the fact that this debt has been resolved for 6 months now, XXXX XXXX will not report it as such on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act Reliant Cap my rights has been violated. The name XXXX XXXX is reporting on my consumer falsely. 15 U.S.C 1681e Section ( b ). States wherever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals about who the report relates.
Product: Debt collection

I am a customer of Ally Financial. I keep getting phone calls from different numbers that come up on the caller ID as scam likely. When I ask them who are they and how did they get my number? They argue and refuse to give the information. But they insist I pay them my car payment. They are people with XXXX accents and they call all day.
Product: Debt collection

The ORIGINAL debtor is listed as XXXX They DO NOT have MY consent nor signature for that ORIGINAL account or contract in question. That same {$340.00} balance has been placed and removed from my credit file twice by different collection agencies and has now been placed on my file AGAIN yesterday YET AGAIN dropping my score OVER 100 points across the board. Southwest credit systems is in violation and Im seeking the fullest punishment possible. XXXX is the account they placed on my file which IS NOT mine. LASTLY, I have spoken with XXXX ( WHO I CURRENTLY HAVE SERVICE WITH ) and they verified that its no way I can have an account in collections with them & have a current account.