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

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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

CITI uses XXXXXXXX XXXX to keep from fixing problems with my home loan. Have gotten changes each month. See the many changes. Each month they come up with a new number. I have then paid escrows each year ahead. I do not know why these companies seem to be such a problem. I make certified fund payments each money with certified mail to make sure they are always on time. But then they keep doing this. Someone please look into and help the consumer.
Product: Credit reporting or other personal consumer reports

I acknowledge your attention to rectifying the erroneous entries in my record following an alleged incident of identity theft. Despite your efforts to address certain fraudulent items in my file, there remain unresolved matters that require removal. This marks my second communication as a victim of identity theft, wherein I seek to contest specific entries resulting from the aforementioned criminal act. The items subject to dispute are unrelated to any transactions wherein I obtained goods, services, or authorized financial transactions. Kindly expunge from my credit file any entries stemming from the alleged identity theft, as outlined below for each bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1700.00} XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$1700.00} XXXX XXXX  XX/XX/2023 XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$120.00}. I have also enclosed my new FTC report # XXXX for your reference.
Product: Credit reporting or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion credit report and noticed some thing is incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I had a XXXX XXXX on XXXX XX/XX/XXXX. I got the injury treated by XXXX XXXX XXXX XXXX XXXX. When the bill came in for {$93.00} in XX/XX/XXXX I paid it right away. Since XX/XX/XXXX though, this company called Credit System International has been reporting this debt as delinquent. They never sent an initial letter saying that I owed a debt or received any communication from them whatsoever. I 'm trying to buy a house so I hope this does n't affect the credit decision. If it does, as this is the 3rd time I attempt to get this removed, I will sue them for breach of the Texas Debt Collection Act for lack of disclosure and initial letter, and under the Deceptive Trade Practices Act for deceptive practices for actual damages.
Product: Debt collection

Credit Management LP is a fraudulent company operating in TX that attempts to collect on non-existent XXXX XXXX XXXX payments. I complained about this to the XXXX and Credit Management responded that they would cease all collection activity and request that all XXXX major credit bureaus remove any mentioned of their fraudulent claims. However, Credit Management LP has failed to follow up and each credit bureau report still displays a negative unpaid account balance. This continues to hurt my credit score. Frankly, I should not have to spend time reaching out to each credit bureau to correct this. Lastly, I have a {$0.00} balance with XXXX XXXX XXXX and have had a {$0.00} balance since I ended service with them over two years ago.
Product: Debt collection

The original debt was to XXXX in the amount of {$380.00}. The debt was sold to an investor, Trident Asset Management, XXXX. XXXX XXXX, XXXX GA XXXX Phone : XXXX who placed it on my credit report. In an attempt to clear the obligation, I telephoned the debtor and offered payment arrangements. They told me to go on their website, input the debtor 's name and the last 4 digits of my social security number and input my payment amount. I tried to do this twice and received an error message saying my debt could not be located on the payment website. I am filing this complaint as a result of this activity.
Product: Debt collection

This is not my account neither did I authorize any one to open account I was XXXXXXXX  when this was done my XXXX identity was compromise
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy. 

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 USC 6802 A. may not disclose personal information.
Product: Debt collection

I found this account on my credit report. It is hurting my ability to obtain credit. It is my understanding that you will investigate to ensure accuracy. I require all contracts and transactions, along with the original purchase contract of this account, all the licensing and bonding information as well. I also request a copy of the certified return receipt from the USPS with my name, address, and signature. My rights are in violation.
Product: Money transfer, virtual currency, or money service

21 days ago ( XX/XX/XXXX ) I transferred XXXX XXXX from a XXXX XXXX to my Coinbase wallet with XXXX XXXX of fees. On the blockchain it shows that I have received the amount 21 days ago and also XXXX confirmations have gone by. I have contacted the support line multiple times and nothing has gone through. It still shows as " pending '' on the Coinbase side of things
Product: Money transfer, virtual currency, or money service

I had been investing in crypto and using crypto.com to make all the purchase transactions to the address that I was instructed to send to. Unfortunately the addresses that I was instructed to send to turned out not to be legit and as a result I lost all my funds. I sent complaint letters to crypto.com but unfortunately they refuse to help me with recovering any of the funds that were lost through there service.
Product: Debt collection

I have mailed and emailed a copy of my police report regarding identification thief to XXXX credit reporting agencies on XX/XX/XXXX. I have requested that false inquiries be removed and asked that my account be locked. As of date XX/XX/XXXX false inquiries were not removed, accounts that were paid in full are still reporting as late/negative, and false delinquent accounts are still being reported on my credit reports. I have sent proof of fraud and nothing has been rectified.
Product: Debt collection

in 2020, I filed complaint no. XXXX, regarding this same issue. They are misrepresenting amounts, excessively flagging the debt on my credit report and I do not owe the debt. As I sated before,, this debt is tied into a class action lawsuit. This collection agency harassed me to the point that I had to tell them to stop the excessive calls and robocall voicemails. Recently, they added several additional accounts that were illegally duplicated and I have already addressed this issue with XXXX. I called to speak to someone and the woman was threatening in nature and refused to answer when they sent information about this additional debt in writing. When I told her that I do not owe this debt she told me that I better call the XXXX?? I'm not sure why calling the XXXX was mentioned, but their staff is XXXX and XXXX. This collection agency constantly misrepresents the amounts to confuse debtors and the constant flagging of debts that is not owned. I have contacted my attorney again regarding this issue. I'm uploading case information regarding my active lawsuit regarding one of the debt amounts. I provided proof of payment on another amount to this debt collector on XX/XX/2020. There was another amount that was paid and they are still to collect it again. They misrepresent amounts to try to collect debt more than once and it needs to stop.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding my inability to access my credit report through the major credit reporting agencies, XXXX and Equifax. I have encountered persistent issues with accessing my credit report, which has caused significant inconvenience and financial loss. 

My attempts to access my credit report are as follows : In XXXX, I attempted to access my credit report through XXXX XXXX three-credit report subscription service. To my dismay, I received a notification from XXXX stating that they were unable to access my file. 
Subsequently, on XX/XX/2023, I made another attempt to obtain my credit report through Equifax, and I encountered the same problem. Despite my efforts, I could not access my credit report through their platform. 
In response to these ongoing issues, I contacted Equifax on XX/XX/2023, to inform them of the persistent problem I was facing in accessing my credit report. 
Regrettably, it is now XX/XX/2023, and I am still unable to access my credit report through these credit reporting agencies. This prolonged inability to access my credit report has not only caused me undue stress and inconvenience but has also resulted in a financial loss of {$29.00} for the past XXXX months, during which I paid for a service I have been unable to use. 

I am deeply concerned about the impact these issues may have on my financial well-being, as I rely on timely access to my credit report to monitor my credit history and make informed financial decisions. I kindly request that you investigate this matter and work to ensure that I can promptly access my credit report as required by law.

Your assistance in resolving this matter is greatly appreciated, as it has the potential to affect my financial stability and creditworthiness. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively.
Product: Debt collection

Russel Collection Agency in XXXX MI has reported 4 accounts to my XXXX credit report. These four accounts appear to be from ONE medical bill but have duplicated as 4. They refuse to provide me proof that I in fact owe this debt. I do not recall ever using the services of the XXXX XXXX XXXX that they are collecting for. I have sent multiple requests in writing to them asking for debt verification and proofs to be sent to me. I have not received anything back from them. I had never received a bill or anything from the XXXX XXXX XXXX. My medical insurance would have paid the bill had a bill ever been sent out to me or my insurance. I would also like to point out if someone did have a bill with this medical center it would be ONE account and not FOUR as was reported to my credit report. I have also filed Bankruptcy and since they would not send verification of this debt or remove it from my credit report it was added into my bankruptcy. So the account shows a XXXX balance on my credit report HOWEVER it is still showing up as FOUR collection accounts and as an open file. Since I filed bankruptcy the file would be closed. I do not owe this debt and it is not right for them to continue to report that I do and refuse to provide me with proof and refuse to remove it from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a complaint XXXX requesting to have an investigation completed. As of XX/XX/2022, Equifax has not completed the investigation. Equifax failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
Product: Mortgage

due to miscalculations of taxes and we were now {$7000.00} short in the escrow. I contacted XXXX XXXX to inquire why we were being penalized for this and basically were told it is what it is and we need to pay the monthly payment. There was no way we could afford this due to other obligations as well. We are now three months in default and fear foreclosure. I contacted XXXX XXXX XXXX XXXX representative and inquired what could be done. She recommended to either refinance with them or ask XXXX XXXX for a modification. I contacted XXXX XXXX and inquired as to a modification and they stated we did not qualify. I then contacted HUD and they referred us to a counselor. I do n't believe our delinquency is due to any fault on our part, as we were making our payments on time. If it were not for the errors of XXXX XXXX miscalculations of taxes at the purchase time of the home, we would not be in this predicament at this time. I believe and feel that XXXX XXXX sold us out upon discovering this and cleaned their hands of any responsibility. I do n't believe we should be responsible for the incompetency of XXXX XXXX and XXXX XXXX coming after us, instead of going after the real culprit ; which is XXXX XXXX.
Product: Credit card

I am writing to formally dispute the accuracy of the information reported by Citi Bank to the credit reporting agencies regarding an alleged charge-off on consumer report. After reviewing my credit report, I discovered that this information is both inaccurate and misleading, constituting a violation of the Fair Credit Reporting Act ( FCRA ). I am attaching my request for an official review and deletion of this deragotory trade line from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed the way Transunion reported on a collections account that I have been paying every month. Therefore the balance is decreasing every month. The balance is currently {$15000.00}. Transunion 's report reflects a decrease in credit score whenever a payment is made and reported on this collection account as if it was a new collection item. The score drops between 20 and 23 points when this happens. 

I will continue to pay on this collection account. My credit report should not reflect a decline in my score whenever I make a payment each month. 

I disputed this situation with Transunion on XX/XX/XXXX and when I made my XX/XX/XXXX payment Transunion reported this on XX/XX/XXXX and dropped my score by 20 points on XX/XX/XXXX. 

This report is about Transunion and the way in which their program is unfairly and inaccurately reporting on payments made on collections accounts. There is nowhere in the FCRA that allows for this kind of Credit Bureau action in response to positive behavior. It is reporting the payment as if a negative action took place. This is a design, programming or other flaw in the system that needs to be addressed. 

The people involved are myself and Transunion. No individual has identified themselves from Transunion in their response or lack of response. They promised a response by XX/XX/XXXX and NOTHING happened. Nothing changed. Their response is still pending. Today is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Strong Home Mortgage run a hard inquiry on my credit report without my consent lowering my credit score which could impact credit rate for a purchase I have planned for the short term. I got reached out via email by two employees asking me for more information to provide a quote, XXXX XXXX, XXXX & XXXX XXXX, XXXX. 
I didn't reply their messages since I was not interested anymore in getting a quota. However, they went ahead and run my credit report creating a hard inquiry without my authorization. 

XXXX XXXX NMLS ID # XXXX Senior Loan Officer Strong Home Mortgage , LLC Branch NMLS ID # XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I received a payment from a user for used audio equipment I was selling on XXXX. I finished testing and preparing the item on XX/XX/XXXX, and went on vacation for the XXXX weekend. I shipped the item on XX/XX/XXXX, and after adding shipping information I was promptly hit with a " paypal dispute '' due to the buyer issuing a chargeback through their credit card. This immediately smelled like fraud, I reached out to the buyer and asked what was happening. They stated that because they hadn't received the item yet, that they charged back. This seemed odd to me since it had been all of XXXX business days, but we agreed to wait until the package arrived to hash things out w/Paypal. The buyer received the package and canceled the chargeback, and contacted Paypal to stop the dispute. 

After the user did this, Paypal issued a " review '' on my account and requested information regarding my transactions. I attempted to provide this info from my mobile phone but the site would not properly load. I tried to load it on my desktop computer, and it said the information was no longer needed and that I needed to wait for review. 

I attempted to contact customer service both by phone and by their chat system, both of which said that there were no customer service representatives and that I should try back during business hours. This seems odd considering it was early in the day on XXXX XXXX time. 

As of the morning of XXXX Paypal has notified me that they are closing my account due to policy violations ( which I have never violated ), and that they will not be releasing my funds ( {$3200.00} in total ). This seems fraudulent on the part of Paypal given that my buyer contacted Paypal to close the mistaken dispute.
Product: Credit reporting or other personal consumer reports

My social security number was compromised in a data breached and utilized to file income tax in a state i have never lived. As a result, the IRS issues me a pin to file my taxes every year. However, this has not stopped my social to be used to open multiple account. I never really watch my credit until recently I've been getting denied for financial things. I didn't understand until I finally checked a few weeks ago. To my surprise there was so much there. I couldn't believe it. I didn't know what to do so I started to search how I can report this and get it corrected, and many financial experts advised I come here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to set up a credit freeze with Equifax on XXXX/XXXX/XXXX. According to the document on their website, as a resident of North Carolina, if I submit a request for a freeze on their website, there should be no charge ( {$3.00} fee for phone or mail requests ). When I entered in all of the information to put the freeze in place, it would no go through until I entered in credit card information so they could charge me {$5.00}. I refuse to do this as this charge violates state law. 

Thank you!
Product: Mortgage

We were notified that that XXXXXXXX XXXX XXXXXXXX XXXX XXXX was filing a foreclosure on us. We do not even know who they are. Our mortgage was with XXXX XXXX. During covid we went on forbarance as XXXX and XXXX both worked in XXXX and XXXX lost her job and XXXX took a pay cut. While on forbarance XXXX XXXX sold our mortgage to XXXX XXXX XXXX  and never told us. We were never contacted. Now we are being threatened on foreclosure from XXXX different mortgage companies. XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX. We do not know either of these companies. We never had a mortgage with either of these companies. When I try to call XXXX XXXX I have spent hours on hold. I have absolutely ZERO contact information for XXXX XXXX XXXX. Who are these companies how can they take our house when we have no clue who they are? This is completely fraudulent and unfair mortgage practices. This is shameful. XXXX XXXX is asking for more then we paid for our house for.
Product: Debt collection

I got a notice in the mail dated XX/XX/XXXX from " The Law Offices '' of Mitchell D. Bluhm & Associates , LLC about allegedly owing {$1300.00}. The letter states that a XXXX XXXX XXXX XXXX XXXX account was acquired by XXXX XXXX XXXX and that this account has been placed in collections. I haven't previously had any statement of a delinquent medical bill by either and if I had, I would have made payment before it went into collections. It says the service date was XX/XX/XXXX, but I never received ANY notice until now nor do I recall receiving ANY sort of service as described around or near said date. This could negatively affect my credit score and I've just started to receive multiple robo calls from spoofed local numbers, clearly a TCPA violation. The letterhead on the notice from XXXX also seems to imply that they are a law firm and attorneys, yet any other information points to scrupulous debt collectors. I would like it stated in writing that this debt isn't valid and that I am declining responsibility of this debt. I never received prior documentation from this XXXX XXXXXXXX XXXX, of whom claims ownership. This company has failed to provide an itemized bill detailing the alleged services / debt. The XXXX Account Number referenced is XXXX. I intend to take whatever action is necessary if this harassment and issue are not properly resolved in a timely manner.