23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX Dear Sir : This is a comlaint against this HunterWarfield, XXXX XXXX XXXX XXXX, XXXX FL XXXX Fax : XXXX XXXX Phone : XXXX This company has done the following which seems illegal 1 ) Added false information on my credit profile : It has added a claim of about {$800.00} when with reference to my prior house rental lease, when in fact I have already confirmed with my former landlord that no charges remain.
2 ) Broke the law, specifically Fair Credit Reporting Act ( FCRA ) by : Failing to provide the original documentation on which this claim is based on. When I requested to e-mail it to me as I was not receiveing their mailed items, their agent Maning provided misleading information that they can not email as per FCRA. I later checked FCRA and it allows for communciation over e-mail.
Here 's the relevant excerpt from the FCRA > > ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
I have already issued 2 written notices to Hunter Warfield to either provide written documentation or remove this item from my profile. But they are not acting XX/XX/XXXX XX/XX/XXXX Please take the necesssary legal action to get this questionable company 's claims off of my credit profile, and audit the legality of this company 's operations. 

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

When I reached out to transunion, XXXX and XXXX about XXXX XXXX saying a debt they claimed I owed, I requested a debt verification. To my surprise, I received a letter stating that the debt had been verified, but no supporting evidence was provided. I immediately disputed the debt and requested written proof, but it's been three months and I still haven't heard back from them. Every time I try to follow up, I receive a letter confirming the validity of the debt, yet they still fail to provide any proof. The total amount in question is {$900.00}, {$770.00}, and {$340.00}. Despite my repeated attempts to resolve this, it seems transunion and XXXXXXXX XXXX is unwilling to provide the evidence I need to verify this debt. It's frustrating and I'm determined to get to the bottom of this.
Product: Vehicle loan or lease

I have had my auto loan for 5 years now XX/XX/22 will be my last year. I have missed a few payments during covid. I am slowly catching up in 5 years of making payments I have paid XXXX dollars for my car now the payments I have missed and I am still about XXXX behind. with all of that paid, I have only paid off 5 % of my XXXX loan somehow! I have 14 months left and still owe. almost XXXX even tho I have paid XXXX with 14 months left on my loan if I make all my payments that only adds up to XXXX $ I feel so defeated that I have paid almost XXXX of my hard-earned money to see I never made a dent in loan and even after 72 months somehow will still owe! This has to be iilegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit report and score with all 3 credit bureaus. I believe my credit report and score is unfairly scrutinized and calculator. I pay all my bills on time and according to the reporting agencies, my score is updated twice every month. However, that is not the case. I am working on a payment plan with one credit card company and it turned out I had one missed payment. Suddenly, the reporting agency decided to update my score and take away XXXX points! They suddenly did this as soon as they received information about the one late payment, but never gave me credit for always paying my bills on time. That is very discriminating and should not happen to anyone. Now, I do not know what to do to fix this. This mainly applies to THE BANK IS XXXX XXXX XXXX XXXX XXXX. I fear this is tearing down a person who works hard everyday to pay bills on time and do things the right way. Destroying my credit like this is a path to destroying my future endeavors that I am working towards. Please help.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX, after multiple unsuccessful attempts to contact a merchant, I submitted 4 total disputes about charges to my Bank of America credit card, which had been double-billed both to my BofA and XXXX cards. A few days later, I got an alert on XXXX XXXX that my credit score had dropped by about 20 points. I checked my XXXX credit report online and it showed a comment : " Account in dispute -- reported by subscriber ( fcba ). '' That's just not true -- I disputed a few charges, not the whole account. 

After many calls to BofA in which they displayed a total inability to correct a mistake they made, I tried calling XXXX. I didn't want to dispute this account through their online process because the account already is in dispute, and after much XXXX I also wasn't able to find a number to call to file a dispute. XXXX XXXX  online instructions tell you to call the number at the bottom of the credit report they send to you, which you ... have to pay for, apparently? I wasn't able to find any such option available when viewing my credit report online. This is just absolute failure, a chain made entirely out of weak links. BofA doesn't have an option internal to their organization to resolve this error, they point you to XXXX which makes it nigh on impossible to get anything fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrongfuly evicted undermultiple TN codes for " failing to maintain ''. summoned twice. records are showing XXXX cases, all are showing open-unpaid. 

The law says the landlord isnt due money. 
The accounts were PIF. The lawyer refuses to state the client was paid in person XXXXmos ago. 

The company and corporate offices refuse to answer summons by XXXX co ( XXXX ) counrthouse. 
The courthouse refuses to answer appeals and casde information and in fact plays bullshit.I have an active supoenae, unanswered by the courts. 

This has prevented me from gaining lawfully maintained units repeatedly, as has unlawful unrequested file freezes and blocks I previously didnt ask for. My mail was repeatedly stolen and not forwarded. I have filed fraud charges w XXXX pd, XXXX pd, and IDT.gov. companies do not care and report the slander anyways. same goes for my other credit accounts. information provided from companies is not accurate. I was never late and I hired XXXX XXXX on retainer for XXXX, which nobody wants to abide by. 

companies were told to notify XXXX. XXXX was in charge at said time for XXXX months last year.If I have to, ill hire another firm and pay cash for the case to enforce compliance, but my credit will reflect accurately the true nature of my credit- not what people are claiming. 

multiple companies are refusing to comply w fcra law. This is a felony act. I have filed multiple demands for correction over the past 12 mos to no avail.I have hired XXXX XXXX  and other organizations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit investigation two months ago. Well over 45 days have passed, and I have not yet received a response from XXXX or Trans Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove fraud account # XXXX
Product: Debt collection

I was notified by the 3 credit bureaus of a collection account that was placed on my credit report by LVNV Funding. Apparently they bought this account from XXXX XXXX XXXX that was already paid for back in XXXX. Also per Michigan law you have to have a license to collect any form of debt. They do not have one at this time.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX, XXXX. 
{$6500.00} Opened XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$1000.00} Highest balance {$1000.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {>= $1,000,000} Open balance XXXX XXXX   XXXX XXXX Original creditor Opened XX/XX/XXXX ( 3 yrs, 1 mos ) Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$6700.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance {$0.00} 4 collection accountsTotal balance : {$7200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX {$1700.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$170.00} 0 % paid off XXXX XXXX Original creditor : XXXX AT XXXX XXXX XXXX {$5100.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX {$52.00} 0 % paid off XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 1 public record Public records concern legal matters associated with you and are gathered from courts and government agencies. 
US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

has me listed on my credit report as being Late in XX/XX/XXXX. My payment for XX/XX/XXXX, was {$270.00} For my credit card. Which left a {$0.00} balance on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, Equifax, XXXX, and XXXX. Neither XXXX XXXX, Equifax, XXXX, nor XXXX have correcited this on my credit report. I have disputed this 5 times with each, with no correction. XXXX XXXX call me on XX/XX/XXXX, and XX/XX/XXXX and both times apologized, and said it would immediately remove the late payment from my credit reports. They have not, and every time I call, they say they see it noted that it should be deleted. They even sent an email which stated they had a computer error in XX/XX/XXXX and would correct everyone 's credit report, because it listed an error of late.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISMISSED *** XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX PLAN ACCOUNT ( CHAPTER XXXX ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX BANK XXXX XXXX Balance : {$27000.00} ; If the credit bureaus feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Student loan

After I started making payments on XXXX I received a call saying that was my last payment and I called the school and loan is paid in full. I just realized that XXXX was on my credit report so I dispute that I did not pay off loans. Please help me get this resolved ASAP. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 11 of  the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Debt collection

CMRE was notified by letter almost a dozen times to provide substantiation for an alleged debt by my attorney. They failed to do so, yet suddenly added negative information to my credit report. I have tried calling them to no avail.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the EETA as it requires timely access to funds. I request your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect, inconsistent info about my loan account. I have requested an investigation and upon completion, the information continues to be reported incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX  XXXX ( There was credit inquiry from this company that I do not recognize, I do not have any affiliation with XXXX  XXXX, I never authorized anything regarding this company ) I've tried to dispute through XXXX XXXX and I was not given updates to my complaint. XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I've tried to dispute through XXXX XXXX and I was not given updates to my complaint. XXXX XXXX, DE XXXX ( XXXX ) XXXXXX/XX/XXXX - XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I tried to reach out to the institution to see what this inquiry was regarding, I did hear anything back. XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I've only had affiliation with XXXX/XXXXt cellular services. XXXX XXXX, WA XXXX ( XXXX ) XXXX I am scared someone may have access so my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX US DEPT OF EDUCATION XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an + open-end consumer credit plan as late for purpose.
Product: Debt collection

I have received MANY phone calls by unknown numbers, often at early hours of the day. ( XXXX may be reasonable to lawmakers, but is ridiculous to me ). These come to both my home and cell numbers. Sometimes these calls can come XXXX times within a XXXX minute time-span. This is ridiculous and unacceptable, hence this complaint. Because I do not know the number, I have no reason to pick up. They should leave a voicemail message, identifying themselves and who they are calling for. This information is never provided. I answered XXXX of these calls from yet another unknown number ( this time at least a company name showed up on caller ID : XXXX XXXX ). The caller let me know this number was listed as an alternate number for my brother. Ok. That 's fine. I can take/deliver a message. Then the caller continued to say that they have been trying to reach him for a long time. I told the caller this is the XXXX message I have received. If a message is not left, this is the XXXX attempt to contact my brother at this number. Then I found out that this company is the one that has been calling and hanging up, with no voice mail message, which has been disruptive and harassing to me. This is NOT ok. 
The caller 's response was that they are not permitted to leave a message on voice mail, by law. 
1 ) if this is true, then the FTC needs to revise the law. I am sure this harassment is happening to other consumers, not just me. I am a law abiding consumer with great credit. I am willing to be the alternate contact for my brother and work with him to help find resolution, if that is what 's needed. However, the harassing phone calls are inexcusable!!! The credit collection company must be able to leave some kind of message. 
2 ) if this is not true and the company is allowed to leave a voice mail message, but instead instructs their employees to frequently dial numbers and hang up until someone picks up, then my complaint is against Central Credit Services. This practice is NOT ok. There must be some way to respect the people at the other end of the phone line ( including responsible consumers like me ) with basic information that does not give out confidential information. Perhaps a message stating " my name is XXXX from XXXX company. I am trying to reach so and so regarding a personal matter. Please call XXXX stating reference number XXXX. " There must be a way to protect responsible consumers, while still allowing the credit collection companies to function.
Product: Student loan

Navient refuses to forgive my loans based on the Navient Attorney General Settlement agreement. I meet all the settlement requirements that have been provided to the public. 

They continue to have predatory practices.