23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hunter Warfield based on my communications and documents closed the file and removed all derogatory information from the CRA 's. Now they are attempting collection from my wife. 

Please read all attached documents. This matter was settled through the XXXX XXXX XXXX in my name and now Hunter Warfield is attempting to collect again after closing the file, by now sending collection notices to my wife. 

Again, no billing from the creditor. Claims only from Hunter Warfield but told on the phone that the creditor closed and recalled the file as a result of my complaint and now re-placed the file in my wife 's name. 

The original was as follows : Hunter Warfield is attempting to collect on move out charges which have never been billed to me by the creditor nor Hunter. Apartment rental scam We rented an apartment at XXXX XXXX XXXX, XXXX XXXX, Ca. from XX/XX/XXXX thru XX/XX/XXXX. In XXXX, I received a call from them and found out they sent a collection letter to my XXXX year old mother 's address. XXXX has claimed damages to the apartment in the amount of {$620.00}. As the caller began to read off the damages, I referred him to the move-in sheet where the alleged damage was noted at move-in. He stated that he had better contact them and see about an adjustment. I've heard nothing from XXXX XXXX XXXX, XXXX XXXX, nor Hunter Warfield except a notification from my credit watch service that they had reported the collection to the credit reporting agencies. I faxed a letter to XXXX XXXX and have had no response. Today, XX/XX/XXXX I received another call from Hunter Warfield. The caller told me I now owe {$620.00}. He stated that Hunter 's customer service department verified and adjusted the balance due. They adfjusted the items on the move-in sheet and now I owe more? Why am I dealing with a third party only. If XXXX states I owe anything, I am entitled to a clear detailed statement from them. He then stated that that Hunter sent me a statement. I advised him that I have received nothing. They had a wrong address months ago and apparently the debt isn't even worth the XXXX cents to XXXX to obtain an address correction from the USPS. Or, the item could have been sent to my address at XXXX XXXX XXXX and it would have been forwarded to me. I receive a daily email from the USPS with every mail piece being forwarded. When I asked the caller from Hunter what address did they send their statement to, he hung up. I have 703 emails from XXXX XXXX XXXX, none requesting any monies. XXXX XXXX XXXX has 2 valid phone numbers, were given our new address when our keys were returned. Why am I dealing through this third party to begin with. If XXXX XXXX XXXX wants to charge me for something they should bill me directly. I have friends who have moved out of the building who have had the same experience. I believe this is a scam since you don't hear from XXXX directly. Libel. fraud. 

Please see attached documentation to see the rest of the dispute and result.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXXXXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Mortgage

On XX/XX/2020 I was shopping for a mortgage and got in touch with Rocket Mortgage. I spoke with XXXX XXXX NMLS XXXX. I wanted to delay applying but he pressured me into applying. 

I submitted my application the same day, informed Rocket Mortgage ( Mr. XXXX XXXX that I had applied and asked what the next steps were. 

XX/XX/XXXX, Mr. XXXX asked the basic details of the transaction XXXX principal amount, loan amount, etc ) and I provided them same day. I provided a signed contract XX/XX/XXXX. On XX/XX/XXXX, I informed Mr. XXXX of another banks offer. He told me he would speak with his director and get back to me that same day. Mr. XXXX never got back to me. 

I am disappointed that I was never provided any offer for a loan, provided a loan estimate, but was also not rejected. My understanding is that banks must provide a reason for rejecting you. By never getting back to me after weeks and months, this was the equivalent of rejecting me.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX pacific time, I contacted Barclay Bank by phone to alert them I was having difficulty making my payment this month, and needed to cancel automatic payments. I was assured there were no automatic payments on this account during a call I recorded. On the XX/XX/XXXX, I logged in online, and made a one time payment to keep the account from going 30 days late. I entered in my checking account number and routing number for this one time payment, and it was difficult to get those funds together. 
Two days later, on XX/XX/XXXX, another payment was processed by the bank in the same amount. I immediately contacted the bank, and was told collections withdrew the funds from my account, but that they would attempt to reverse the payment and get it back to me within two billing cycles. I don't have the luxury of two billing cycles. These were funds that were not theirs to take, that I did not give permission for them to take, and now feel stupid for trusting this sleezy institution with my checking account information. 
I ask that the consumer financial protection bureau takes swift action on this while I explore all options available for me to recoup the losses from this theft.
Product: Debt collection

I have received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. These attorneys are not licensed by the Louisiana state bar. The letter states that I should pay them {$5600.00} for a XXXX XXXX   account. Rausch Sturm said their client is XXXX XXXX and all payments should be given to rausch sturm. 

The account in question ending in XXXX was already disputed to XXXX. A dispute has been sent to Rausch sturm also. The dispute points are. 

The account was closed in XX/XX/XXXX due to non payment. This account is outside Louisiana statute of limitations for them to harass me to suit. 

XXXX and Rausch sturm both state that I owe a balance of {$5600.00}. I have a statement from XXXX and on my credit report stating the outstanding balance is {$5700.00} Also I have a letter dated XX/XX/XXXX stating this account was a loan. It is showing on XXXX  and rausch sturm that it is a credit card. 

Due to these many issues XXXX  and rausch sturm need to cease collecting efforts as well as delete the trade line for collection on my credit report.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( ii ) Ive requested the method of verification and a copy of all documents pertaining to any investigation. Equifax is reporting a XXXX balance on an account that is paid and satisfactory all while claiming they verified the balance is accurate. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations.

Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 
1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, Section 602 ( a ) mandates that consumer reporting agencies exercise their duties with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent, which is further supported by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an ongoing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. '' A furnisher of information to credit agencies qualifies as a financial institution under this definition. 15 USC 1681, Section 604 ( a ) ( 2 ) specifies that consumer reports can only be furnished under certain circumstances, and the primary circumstance is in accordance with the written instructions of the consumer to whom the report pertains. Equifax and Experian, as consumer reporting agencies, do not have my written consent to share my personal information, and I hereby revoke any and all consent whether verbal, written, implied, or otherwise for them to do so. 

In addition, 15 USC 6802 ( b ) ( c ) requires that a financial institution can not disclose nonpublic personal information to any third party unless the consumer is informed about their right to opt out. However, Equifax and Experian have never provided me with such an explanation or informed me of my nondisclosure rights.

Further, under 15 USC 1681c ( a ) ( 5 ), no consumer reporting agency can report adverse information that predates the report by more than seven years, except in certain circumstances. The accounts in question, being reported as adverse items, are being included on my report without my permission, which is a direct violation of the law.

Moreover, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) stipulates that no person should provide inaccurate information to a consumer reporting agency. Equifax and Experian are not adhering to reasonable procedures as required under 15 USC 1681e, which ensures consumer reporting agencies take necessary steps to prevent the inclusion of inaccurate data.

Lastly, according to 12 CFR 1016.7, I have the right to opt out of consumer reporting services at any time. Therefore, I am exercising my right to opt out of Equifax and Experians reporting services immediately.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Product: Checking or savings account

On XX/XX/XXXX, my credit card company alerted me that my autopay had failed due to my savings account being frozen. This was the first time I was made aware that there was a hold on my XXXX online savings account that I have had since XXXX. 

A phone call to the customer service line was a circus show. After being transferred to the fraud department, I was informed that a transaction on XX/XX/XXXX, a transfer to my external XXXX account, was what caused the hold. The agents over the phone can not tell me the reason for the hold, just that they need to make sure the transaction does not violate the accounts service terms and verify the account with XXXX on a three-way call. After more than XXXX minutes on the phone, the three-way call ended up not happening. Turns out XXXX has a policy to not participate in three-way calls if they did not initiate them, XXXX themselves actually have the exact policy. My only option was to mail in statements of my XXXX account since they do not accept fax, which I did on that same day. 

Now after almost 3 weeks after the transaction XXXX deemed questionable, I have not received any official communication from XXXX, by mail, email, or phone call, that there was a hold on my account and I need to provide them with documents. My balance of {$8100.00} is frozen and inaccessible to me. I mailed them the documents they requested a week ago and, again, there has been no communication from XXXX. Calls to customer service have yielded no results or resolution.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing errors. The late payments listed don't align with my usual payment habits. Kindly correct and update any inaccuracies on my account. Thank you!
Product: Debt collection

i keep getting calls from premier portfolio group about a bogus debt i want these scammer to quit calling me now
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow up request to Experian that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX 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

XXXX IS STILL REPORTING A CHARGE OFF EVEN AFTER SENDING THEM A LETTER FROM THE REPORTING PARTY INDICATING THAT IT WAS AN ERROR. I HAVE MADE NO LESS THAN 4 ATTEMPTS TO GET THIS FIXED AND XXXX IS THE ONLY BUREAU THAT REFUSES TO CORRECT THEIR REPORTING.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report. I contacted Equifax to report and request the items be removed but they refused and told me I needed to have a police report. My city do not issue police reports for unauthorized credit inquiries as no accounts were established. There are three inquiries that were not authorized by myself as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX XXXX, Equifax XXXX XXXX Date : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above have 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 ( AN ( 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.

Remove Fraudulent Non-mailable Addresses listed below : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY - XXXX XXXX XXXX XXXX KY XXXX Remove Fraudulent accounts numbered below : XXXX ) XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Charge Off XXXX ) XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Chagre Off XXXX ) XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Chagre Off XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Charge Off XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), Opened : XX/XX/XXXX, Collection XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Collection XXXX ) XXXX  ( Original Creditor : XXXX XXXX  XXXX ) ( XXXX ), Opened : XXXX, Collection XXXX ) XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ), Opened : XX/XX/XXXX, Collection XXXXXXXX XXXX ( Original Creditor : XXXX WEBBANK ) ( XXXX ), Opened : XX/XX/XXXX, Collection XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( XXXX ), Opened : XX/XX/XXXX, Collection XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), Opened : XX/XX/XXXX, XXXX XXXX ) XXXX  ( XXXX ), Opened : XX/XX/XXXX, Collection Remove Unauthorized Fraudulent Inquiries : Here is the list of inquiries with company names and dates : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Account Name : HWARFIELD ( Hunter Warfield ) Account Number : XXXX Balance : {$6100.00} This letter is a formal complaint against Hunter Warfield, a collection agency located at XXXX XXXX XXXX XXXX XXXX FL XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 

A debt validation had been requested from them n XX/XX/2021, I have not received any sufficient proof that I requested and they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TrasnUnion credit bureaus last XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00}
Product: Credit card

An unauthorized charge appeared on my credit card statement. I contacted the credit card company on XXXX/XXXX/15 and XXXX/XXXX/15. They said they would reverse the charge and investigate but the charge has not been reversed on my account. 

The charge occurred on XXXX/XXXX/15 and the description is www.logmein.com
Product: Credit reporting or other personal consumer reports

I'm following up on my previous communication regarding accounts on my consumer report linked to identity theft. I never authorized these accounts with a written signature. I formally request the immediate blocking and removal of these fraudulent accounts from my report. 

These inaccurate entries have caused significant emotional and financial distress, misrepresenting my credit history and responsibilities. They've hindered important financial goals, including purchasing a home and providing for my family.