23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hunter Warfield is a debt collection agency for XXXX XXXX XXXX apartments where I used to live in XXXX. I made an agreement with XXXX XXXX to pay off the debt, but I lost my job after I made the commitment and was unable to pay the balance due. I was unable to receive unemployment, so I had no income coming in and in the process I lost my mother whom I was taking care of. I finally got a full time job in XX/XX/XXXX and I started making payments towards Hunter Warfield in XX/XX/XXXX when I finally able to speak with them. XX/XX/XXXX {$120.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX - {$75.00} and XX/XX/XXXX - {$75.00}. The last two checks had to send a sigh receipt because they are holding on to the checks and stating that they are receiving them late. It only takes three business days from Maryland to Florida. The check for XX/XX/XXXX has not been cash but they received it and when I spoke with them today, they stated I was referred to an Attorney office because I didn't send the checks on time. I filed a compliant with XXXX  of Florida but no results and no resolution. It was just left alone. Why am I going to court when I am making consistent payments to the collection agency and we never discuss a particular date that it had to be in there office. It's like they are bullying people to get what they want, know what it takes to get it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I reached out to all 3 credit bureaus asking them to validate accounts on my credit report that were inaccurate. 

XXXX I sent a letter to XXXX  asking for an account to be removed that is not mine and received no response. 

XXXX I asked all 3 bureaus ( XXXX  , XXXX  , and Transunion ) to remove accounts that are inaccurately reporting on my credit report, and received no response. 

I need this investigated as soon as possible. I am reaching out to the bureaus with no response and no action being taken on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX account # 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
Product: Mortgage

ISSUE ONE : I applied to Mutual of Omaha Mortgage for a mortgage loan. The loan disclosures I received stated that Mutual of Omaha Mortgage intended to service the loan. This was a feature that I relied on to use this particular company over others that said they would not be servicing the loan. The last disclosure I received with this representation was XX/XX/XXXXXXXX. In our closing package was a letter dated XX/XX/XXXXXXXX, from XXXX XXXX XXXX stating that the servicing of our loan had been transferred. I find it suspect that all of the mortgage loan disclosures leading up to closing said XXXX XXXX XXXXXXXX intended to service the loan but suddenly at closing there is a notice of servicing transfer just 7 days later. 
ISSUE TWO : In the closing package the notice of servicing transfer is dated XX/XX/XXXX XXXX. The letter states that the current servicer would stop accepting payments on XX/XX/XXXX2024 just XXXX days after the date of the notice of transfer. Thereby not allowing payments to the prior servicer for up to XXXX days. 
ISSUE THREE : By notice dated XX/XX/XXXX I received another Notice of Servicing Transfer. This notice stated that servicing was being transferred yet again and that the current servicer would not accept payments after XX/XX/XXXX. Again, XXXX days and thereby not allowing payments to the prior servicer for up to XXXX  days. 
ISSUE FOUR : The Notice of Transfer dated XX/XX/XXXX did not include a Goodbye Letter from the servicer or a Welcome Letter from the new servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my Credit and I notice Inquiries That I did Not Authorize
Product: Credit card

I have a XXXX Visa Card serviced though XXXX Bank. I always payment my statements as soon as they come due. One day, I noticed that the account number on my statement was not right a few days later another statement came. It ends up there are two seperate accounts open in my name. I have made payments on both account in the past by mistake. I have called the bank and tried to explain the situation and was treated very rudely. I have had my attorney contact them and notify them that we dispute the second account and that it must have been opened fraudently. The amount due is fairly trivial, I just want the account closed before whoever opened it tries to use it again. XXXX has been very uncooperative with both me and my attorney. They have sent my attorney a packet of statements, with crudely scribbled notes on them, which actually indicated 3 accounts were open, when questioned, they said it was an error and only two accounts were open, but still they have not closed the fraudulently opened account. We are elderly and I feel that I am being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This may not be the proper way to address this, and I apologize if it is not. I was looking for work around the time I was XXXX XXXX XXXX XXXX in XXXX of XXXX. In XXXX, the pandemic happened. All my finances were fine, but my job search was incredibly difficult and lengthy. I kept up with all my bills for as long as I could but by the time XXXX hit, I couldn't keep up anymore. The best I could do for work at the time was to XXXX XXXX XXXX XXXX I only made $ XXXX {$1500.00} a month doing this. I worked with all my creditors throughout the pandemic however eventually, I just couldn't keep up. Fortunately, I landed a wonderful job in XX/XX/XXXX and since then have been able to meet all my obligations with ease. The purpose of this is that, to this day, my report still shows all these late payments. I tried negotiating with the credit card companies to have these removed, but they were unwilling to remove these and said the fair credit reporting act prevented them from doing so. This was Capital One that said this. I'm not sure if there is anything that can be done other than just keep making my payments on time. Prior to the pandemic, for years my credit was spot on. Since at least XXXX. I worked hard to rebuild myself after the XXXX crash in which I lost my job and my home. Which is why I was going back to school to get XXXX XXXX XXXX XXXX and eventually a XXXX XXXX XXXX. I had to reinvent myself. Thank you for your time in reading this.
Product: Debt collection

They are stating they wont take any payment at all unless i pay 10 % of the total debt first. On XX/XX/XXXX XXXX i spoke to someone regarding it and I told them i can afford to pay them XXXX a month but they said they cant do that until the initial XXXX XXXX is paid. They said they would converse to see what they could do and lowered it to XXXX XXXX for the initial split up into 4 months which is still too much for me. I then requested the loan documents from the original lender to be sent because I dont have enough information and Im trying to pay what I can afford and its not being accepted. I understand if thats the debt I owe but Im still trying to pay something and they arent accepting it until they get their percentage.
Product: Credit reporting or other personal consumer reports

Fair Resolution : 1. Immediate Correction of Reported Information : The account with XXXX XXXX ( Account Number : XXXX ) should be updated to accurately reflect the correct balance and status. It is listed as paid off with a balance of {$0.00}, but if there are any inaccuracies regarding the account history or balance, they should be corrected. 
2. Verification of Account Closure : The status of the account indicates it was closed in XX/XX/year>. If this information is accurate, it should be confirmed by both XXXX XXXX and TransUnion. If there are any discrepancies regarding the closure date or account status, these should be corrected. 
3. Removal of Incorrect Marks ( if applicable ) : If any inaccuracies or unverified information regarding the payment history or account status exist, I request that any negative or incorrect marks be removed from my TransUnion Credit Report to ensure it accurately reflects the paid status of the account. 
4. Provide Updated Credit Report : After corrections have been made, I request that TransUnion provide me with an updated credit report showing the correct information for this account, reflecting that it was closed and paid off as agreed.

5. Written Confirmation : I request written confirmation from XXXX XXXX and TransUnion once the corrections have been made, stating that the account information has been verified and updated to reflect the accurate status. 
6. Compensation for Harm ( if applicable ) : If this reporting error has caused any negative impact on my credit score or denied credit, I request compensation for the damages resulting from this inaccurate reporting.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic Fund Transfer Act and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove 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 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 or other personal consumer reports

I am writing to express my deep frustration and disappointment concerning the ongoing issues I have been facing while trying to correct late open accounts, late closed accounts, and charge-offs on my credit report with Credit Bureaus . These inaccuracies have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the late open accounts, late closed accounts, and charge-offs on my credit report and promptly contacted Credit Bureau . I explained the situation and submitted the required documentation, including provide a brief description of the documents submitted. I was assured that the issue would be corrected promptly. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and I should expect a resolution within a specific timeframe. 
The timeframe for resolution passed, and I had yet to receive any communication or see any progress in correcting the late open accounts, late closed accounts, and charge-offs. I contacted Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Credit Bureau 's requests. The presence of these inaccuracies on my credit report is significantly impacting my financial and personal well-being. 

I request the following : Immediate and effective action to correct the late open accounts, late closed accounts, and charge-offs on my credit report. 
Clear communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the correction of these inaccuracies. 
Compensation for any financial losses or damages incurred as a result of these inaccuracies. Please help me correct or remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX  - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX XXXX XXXX - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting or other personal consumer reports

Im 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 XXXX XXXX XXXX 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 is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB-Please see attached files For months I have submitted complaints to Transunion regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet Transunion keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They have been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.
Product: Debt collection

We decided to stop XXXX in XXXX, 2019 after being a loyal customer for 19 years. After speaking with a XXXX agent, she convinced us to suspend our account instead of canceling because we have been a customer for so long. I called back in XXXX, 2019 because I noticed XXXX was continuing to bill us. After speaking with another customer service representative, he said he noticed the problem and canceled the account at that time. He also said we would correct the bill and we would not be charged. In XXXX, 2019 we received a collections notice from XXXX XXXX XXXX for a {$160.00} outstanding bill with XXXX. I attempted 2 phone calls with XXXX and got the same response both times. They said I owed the {$160.00} and they could not remove the charges. They told me I could write a letter, print it and mail it to the XXXX disputes department. They said I could not email them and that there was nobody else I could speak with about this issue. I am completely appalled a company could do this to a long time customer. We have extremely good credit and don't want that taken away because of something like this.
Product: Debt collection

l asked the credit bureau to do a verification of my credit report of identify theft and they stated everything was accurate, but I did my own thorough research myself, and found improper inaccuracies on the credit report even after they did the research. XXXX XXXX XXXX. Complaint ID : XXXX XXXX Midland Credit Management. Complaint ID : XXXX In accordance with the Fair Credit Reporting act XXXX Account, 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
Product: Mortgage

I have been trying to get a loan modification from Seterus and they have done nothing but give me the runaround. There have been outright lies and deception on Seterus ' part and I feel CFPB should be made aware of their deceptive, unfair, abusive and misleading mortgage servicing practices.
Product: Debt collection

Malcolm S Gerald & Assocs. phoned me on multiple occasions most recently on XXXX XXXX, 2017 at XXXX XXXX. I was at work at the time. The person on the phone demanded that I pay XXXX dollars to settle a debt for magazine subscriptions. I told him I had no such debt, and I had not ordered any magazines. I asked him to send me evidence of this debt which he claimed to have already done. I have never received anything on paper of any such debt. This company is harassing me with repeated phone calls regarding this false debt. According to their website, their address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Phone : XXXX
Product: Debt collection

I took out a payday loan with Solo Funds in 2020 for {$120.00}. For some reason my repayment did not go through on the due date. Solo funds reached out to me via email and I responded advising the could repay my account using my debit card on file, and we agreed to a certain date. Maybe there was something lost in translation but the repayment either didnt go through or was never attempted. I randomly got a phone call from a XXXX XXXX XXXX stating that I owed Solofunds over {$1900.00} and that I needed to set up an arrangement to avoid being sued. I was confused as I knew my loan amount was for only {$120.00}. I set up an arrangement with them and reached out to Solofunds to clarify. When I spoke with Solofunds they stated that I could settle with them for {$140.00} and to disregard collection efforts. I paid this account a few days later and solofunds confirm that payment was received. I canceled my card with XXXXXXXX XXXX XXXX. Today I received a call from XXXX XXXXXXXX XXXX. The representative was very aggressive and told me I should not in any way have paid Solofunds because they now owned the debt. I asked for verification of the debt and they sent me a letter with no bill of sale or anything. I immediately said that I would be seeking legal counsel and she ended the phone call by saying I will send this over to the court. I think they are fraudulently collecting debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

please removed this unknown credit inquiries from my report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below were supposed to be removed from credit report. 

OTHER LOANS EDUCATIONAL XXXX Reported : XXXX XXXX, XXXX {$3100.00} Closed EDUCATIONAL XXXX Reported : XXXX XXXX, XXXX Closed This collection account is not mines and i have disputed this with the company as well as disputed with the State Attorney General. 

XXXX XXXX XXXX {$31000.00} Reported : XXXX XXXX, XXXX Hard Inquiries XXXX XXXX-XXXX   XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX XXXX   XXXX 2 Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX, XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX  XXXX, XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX   XXXX  XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX  - INDIRECT Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX, XXXX XXXX : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX  XXXX XXXX   XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

I never applied for credit card to Amazon / CHASE OR any other agency such as XXXX, XXXX XXXX, XXXX XXXX, XXXX etc. Today I got a AMAZON.COM REWARDS CREDIT CARDS FROM CHASE BANK. 
THOSE COMPANY RAN MY CREDIT SCORE.