23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I get repeated ( 3x/week for a year or more ) RECORDED phone calls from " Hunter Warfield '' asking for a person that does not live here and has never lived here, stating they are collecting on a debt. They give an option to hang up if you are not that person, but even though I hang up, the calls continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX ( in XXXX, CA ) on XXXX XXXX, 2023. I was explicitly assured multiple times that the information I was giving was to solely be used for a soft pull. Each time I gave information, I asked And this is just for a soft pull, right? to which I was told yes each time, which was at least thrice. I have now been notified by my financial institutions that the dealership has added a hard inquiry to my report.
Product: Credit reporting

I just gotten a investigation completed as of XXXX XXXX from trans union, I have noticed reinserted a previous deleted account from XXXX and also notice several other negative during any accounts, especially the XXXX first premier accounts, who always report negative information or incorrect and wok with the bureaus in the disputes by basically automatically verifying information with out really during any true reporting, So again I these accounts do not belong there and is not my duty to provide things to them but for them to verify there inaccuracies, and sometimes consumers dont keep records that old or have other documents to send to them if the accounts were never reporting right at all.Also as the previous dispute, the report contains a outrageous amount of inquiries that I have no way to dispute as I should by law. I ask that investigate this entire list of inquiries, cause there is at least XXXX to XXXX fraudulent or unauthorized use of my report being sold or view by companies that dont have record of the inquiries, or Transunion is selling or providing them reports in error or directly to make money.
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 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX All Banks XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$19000.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

My XXXX year old daughter is getting phone calls daily during school hours threating her when she has answered the phone stating she is not the person they are trying to contact and messages left daily on her phone. They call her daily and continuously, I have called and asked them to take her off their call list on multiple occasions, left messages and to no avail. I do not believe my XXXX year old should be harassed when clearly she is NOT the person that owns this debt. Harassing a minor can not possible be condoned for the collection of a debt. Causing undue stress to a young XXXX girl should be considered bullying!
Product: Debt collection

I used to have s secured credit card with Wells Fargo and this account was send to a collection agency without my knowledge and report as credit loss by the institution. So I request this account to be removed from all my credits bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have absolutely NO MERIT and I have been the victim of fraud, the result of this fraud is these unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Experian to cease and desist all reporting of these fraudulent accounts and FURNISH A BLOCK under the 605 ( b ) FCRA 2009. I have also been in contact with the Attorney Generals Office of California XXXX  XXXX  who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The accounts are XXXX  XXXX XXXX {$25000.00}, {$4000.00} deposit related accounts. I have never opened any of these. XXXX  has already ceased all reporting of these fraudulent accounts, I am asking Experian follow federal law and do the same. 


Failure to furnish a block and cease and desist all reporting of these accounts is a violation of my federal rights. I am in talks with the Attorney General of California - XXXX  XXXX  in this matter, and have filed a FTC Theft Report and a XXXX XXXX County Police Report. 

These accounts are the result of fraud. 
- XXXX XXXX XXXX {$25000.00} - XXXX  XXXX XXXX {$4000.00} This is a letter to cease and desist all reporting activities listed under the FCRA 2009 ( 605 ) ( b ). 
Also ; I have NEVER APPLIED for ANY PRODUCT from these creditors, please delete these inquiries as I have never applied. The inquiries are ; Inquirer name : XXXX  : inquiry date : XX/XX/XXXX. 
XXXX/XXXX  XXXX OF : XX/XX/XXXX. 
XXXX  : XX/XX/XXXX. 
XXXX XXXX XXXX : XX/XX/XXXX. 
XXXX  XXXX XXXX  : XX/XX/XXXX. 
XXXX  XXXX XXXX  : XX/XX/XXXX.
Product: Debt collection

Company has refused to comply with validation of debt requests. XXXX states they dontr have to obtain physical proof based on there on protocol in violation and non compliant with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) demand sent on XX/XX/. These non-validated debts are still being reported erroneously on my credit report. Deliberately causing me undue harm. Out right refusing to comply with above laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and an unauthorized account has appeared on my credit report. I am requesting that the following account be blocked and deleted immediately in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Unauthorized Account Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

You are reporting inaccuracies on my credit report, first of all I've written to you before regarding this matter. You refuse to delete names on my credit report that does not match my name. Below is a picture of my ID showing my exact name, this is the only name and formant that I have ever had and that must be used. Every other name on this consumer report does not match, and it does not belong to me, delete these names immediately. Furthermore, you are furnishing outdated and irrelevant addresses on the premise that the credit report is supposed to be accurate. 15 USC 1681b speaks about relevancy of the information on the consumer report and the obligation you have to report accurate information. You are reporting inaccurate information and outdated information, you have single handedly caused damage to my reputation, my character, my mode of living. This information needs to be deleted ASAP. 

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 XXXXXXXX Any and Every bit of information pertaining to me needs to be deleted ASAP. And is against the LAW.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The LVNV accounts were withdrawn and settled In Court. These accounts are still showing inaccurately on my credit file. XXXX has been contacted multiple times and there has been no update provided on the status of this report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance Owed : {$0.00} XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 1

5 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 I did not give anybody written instructions UNDER WHAT WOULD BE FAIR Delete Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have emailed I have written and Ive sent letters disputing all information listed on my report. My report is listing 42 inquiries that are fraudulent. Those were not initiated by me nor approved. I keep trying to dispute those and All the disputes keep getting ignored. there shouldnt be a bankruptcy on my report because I went through bankruptcy process. I should not have any late payments reporting because those accounts are closed and late payments do not factor into the credit score. When the accounts are closed this tries to trick people to further damage their credit by requesting all items on my credit report be disputed
Product: Credit card or prepaid card

I OPTED OUT OF SHARING MY INFORMATION AND TELEPHONE NUMBER, I'VE BEEN WITH DISCOVER CARD FOR A FEW YEARS NOW AND THEY BROKE MY PRIVACY POLICY, I CALLED DISCOVER SEVERAL TIMES AND THEN CALLED THEM AGAIN ON XX/XX/2019, THE CUSTOMER REP EXPLAINED TO ME THAT SOME CALLED IN AND REQUESTED THAT MY TELEPHONE NUMBER BE SENT TO OTHER COMPANIES. I REPLIED BY EXPLAINING TO HER THAT I NEVER EVER AUTHORIZED ANYONE TO CALL YOU AND REQUEST MY NUMBER BE DISBURSED TO THESE COMPANIES. THEN I CALLED DISCOVER CORPORATE AND FILED A COMPLAINT WITH THEM REGARDING MY TELEPHONE NUMBER AND PERSONAL INFORMATION BEING GIVEN TO THIS INDIVIDUAL THEY SAID CALL IN AND REQUESTED ALL THIS INFORMATION. I NEVER EVER CONSENTED OR AUTHORIZED ANYONE TO CALL DISCOVER AND SOLICIT MY PERSONAL INFORMATION. THESE ARE THE NUMBERS THAT ARE CALLING ME 24/7 DAYS A WEEK : CLAIMING THEY ARE DISCOVER THEMSELVES AND I'M IN GOOD STANDING WITH DISCOVER : 1 ) XXXX THEY DISCONNECTED AFTER I CALLED. 2 ) XXXX 3 ) XXXX 4 ) XXXX XXXX ALL NUMBERS CLAIMING DISCOVER GAVE THEM MY INFORMATION.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act 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 XXXXXXXX Thas violated my rights. 
15 U.S.C 1681 section 602A. States 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: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting this company about several inaccuracies on my credit report but unfortunately I keep on being ignored, this time I must seek help from CFPB for others to learn of my experience,!
Product: Debt collection

Company/Creditor Maury Cobb attorney at law, XXXX, AL XXXX sent first letter XXXX XXXX, says respond by XX/XX/2023 ; however, on XX/XX/2023, they had reported a negative derogatory mark on my credit file, didn't give me the opportunity to respond, tarnishing my credit report. 

The name on my credit file is XXXX XXXX, out of XXXX, AL XXXX XX/XX/XXXX, I sent certified letters to both agencies creditor disputing this information, also I was requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to that creditor. 

I waited 30 days as per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and they sent some computer printout copies of the itemized statement. 

They failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Also the company is using two names one to correspond via mail, and the other to mark on my credit file. 

I sent a second letter to this creditor, and they have not responded to the second letter and it has now been over 30 days as per the coreFair Debt Collection Practices Act and the Fair Credit Reporting Act. and still see an adequacy derogatory mark on my credit file.
Product: Money transfer, virtual currency, or money service

About a month ago, I purchased {$250.00} worth of XXXX, aka XXXX, crypotcurrency via Coinbase. As my skepticism of Cryptocurrency began to grow, I decided to sell all of XXXX for little to no gain. Upon doing so, I learned that I was not able to do to restriction on this crypto in my region. I did not know this when I bought it and it now seems that it was illegally sold to me via Coinbase. I purchased this Crypto in New York and tried sell it in New York. Im not sure why they were even able to sell it to me in the first place if that was not allowed. 

Coinbase is now not allowing me to transact this crypto in any way. I reached out to Coinbase support and they have informed me that they are able to take my account offline so that I can transfer the currency to a different wallet. Im not sure what this all means, but I do not feel comfortable taking their advice. I hope that you can help me recover my funds and/or put a stop to what seems like a very shady business practices. 


Thank you, XXXX
Product: Debt collection

Dear CFPB, this company LEGAL RECOVERY LAW OFFICE, has seized all the money in our bank account total {$2100.00} plus fees total {$2200.00} on XXXX/XXXX/XXXX, leaving us with no money to pay our modified mortgage or utilities or groceries. 
The bank is holding the funds until XXXX/XXXX/XXXX before releasing it. Attached is bank notice to us. 

In XXXX XXXX when the real estate market crashed in XXXX XXXX California , my wife and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were broke. I was XXXX at the time and due to health issues I was not able to continue with that business. I had used my XXXX XXXX credit card during my XXXX for expenses but with the lost of my business, I was not able to make payments. My wife and I started with sales but that took us some time to get back on our feet. Our new jobs could not cover our credit cards payments and eventually, we were default on all credit cards and even mortgage payments. Now we are able to pay our modification mortgage and utility bills. We are just not able to make credit cards payments ; my wife and I are barely making enough to get by in this economy. 
After we became default with my credit cards in XXXX. XXXX XXXX sold the debt to LEGAL RECOVERY LAW OFFICES INC in XXXX of XXXX ; They filed a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from our bank accounts various times leaving us without money to pay my modification mortgage or utility bills or groceries. They have continuously caused us tremendous XXXX. On the XXXX of XXXX XXXX, they have taken {$2200.00} from our account ( this is my mortgage payment ). Now we are devastated. Please help us.
Product: Student loan

Over the years I have repeatedly had problems with the way that Navient ( formally Sallie Mae ) applies my auto-debit loan payments. This issue reemerged this summer unbeknownst to me. I have repeatedly requested that when I make a payment, that the payment is applied to each of my loans. Navient frequently alters the way that the loan is applied. This summer they began taking the same amount of money from my account ( so I did not notice a change ) but began applying that payment only to the lowest interest rate loans. This change resulted in my highest rate loans accruing interest and then accruing interest on interest. I would not have been charged this amount if my payments were applied correctly. 

This issue is an ongoing problem. The reason I am posting this today and reaching out outside the Navient organization is that I had the exact same problem with Navent in the past, and it took a great deal of time and effort to get the issue corrected.
Product: Mortgage

XXXX sold our mortgage to Select Servicing Portfolio and our first payment was to be sent to SPS by XXXX. Our payments were current when we were with XXXX but when the new company took over they stated we were a month behind. We sent the full payment to catch up the mortgage and they are still saying we are behind on our mortgage. We send weekly payments because my husband gets paid weekly. Before the sale our mortgage our payments were to be {$560.00} with XXXX and due XXXX but SPS is stating our payments are to be {$690.00}. They had our XXXX taxes as XXXX which was correct, until we requested a reanalysis, and SPS is claiming our XXXX taxes as {$1100.00} when they are only {$420.00}. New tax bills were submitted to them, at which time we asked for a Escrow Re-Analysis at which time they changed our XXXX tax amount to our winter tax amount but they are still claiming our winter taxes as {$1100.00}, which is over 4 times the amount they actually are. I have called several times and they refuse to get the tax information corrected. Please help us