23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PLEASE NOTE THIS INFORMATION HAS BEEN REPORTED TO YOUR REGISTERED AGENT, XXXX XXXX XXXX and also the FTC. LVNV/Resurgent receivables has failed to verify this alleged debt. I have asked for verifiable accounting records and they have sent a document wanting evidence of identity theft. That is not evidence of debt. It is my federal right to see an audit trail as well. LVNV/Resurgent Receivables has failed to do this as well. I have sent a cease and desist letter to them multiple times. However, lvnv/resurgent receivables have ignored my cease and desist. 15 USC 1692c lets me know that they are prohibited from communicating with me through ALL MEDIUMS. This would include my consumer report. Lvnv/Resurgent Receivables has failed to substantiate its claim about the alleged debt. LVNV/Resurgent Receivables feels like their company policy supersedes federal law. It does not. I deem each time LVNV/ Resurgent Receivables ignores my attempts, is a willful violation pursuant to 15 USC 1681n- Civil liability for willful non-compliance. It is also a negligent violation pursuant to 15 USC 1681o- Civil liability for negligent non-compliance on Resurgent Receivables part. I also did not give authorization or permission to have my personal identifying information which you obtained through aggravated identity theft in accordance with 18 USC 1028A. Please send an affidavit signed with wet ink certified under penalty of perjury to substantiate your claim. Without this, you have no consent to continue any collection activities.
Product: Credit reporting, credit repair services, 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I was shocked to find multiple unauthorized inquiries from your company on my credit report. Theyre not only hurting my score but also causing real financial strain, like higher interest rates and rejected applications.
Product: Debt collection

On XXXX XXXX, 2017 a person name XXXX from C U Recovery , Inc. called my place of employment. When I asked where she was calling from she refused to tell me and asked me why I was screening my calls. She said she was going to call me back at my job and hung up before I could say anything. She had called a few minutes before this call and I sent it to my voicemail. She did not leave a message. I posted a message on their website stating that they are violating the Fair Debt Collection Practices Act by continually calling my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding fraudulent and unknown inquiries on my credit report to this day over 39 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 39 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent XXXX data breach and may have gotten compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom financial has harm my credit by reporting I have a outstanding balance With then after I never accept there loan. I have been lied to repeatedly but there customer service team. They refuse to give me documents to show my loan is balance is XXXX. 
This company has ruin my ability to get funded elsewhere due to this loan being place on my credit report as a open high balance account. I never wanted the loan from them they retaliate by waiting three weeks then reported to the credit bureaus. They refuse to acknowledge what they have done or take accountability for the lies I have been told. Lending tree refuse to all or me to put up a honest review on this company also
Product: Credit reporting or other personal consumer reports

I am contacting XXXX XXXX XXXX Regarding an account that is alleged to be mine. I have disputed this account a few times regarding the repeated charge-offs that are being placed on my report each month and I always get a letter back stating that it has been verified and the information is correct. 
According to the FCRA, a charge-off should only be reported once, when the first delinquency happens. I did not receive an offer to Arbitrate, and I did not receive a 1099C which this charge-off is reporting each month. If this is not corrected or removed I will contact a lawyer behind damages to my credit worthiness. 
1. No Arbitration Offered : I was never offered nor allowed arbitration in relation to this account. Any claim suggesting that arbitration was made available to resolve this matter is incorrect. 
2. No 1099-C Received : I have not received an IRS Form 1099-C ( Cancellation of Debt ) related to this account. The absence of this form indicates that no debt cancellation has occurred, yet there appears to be erroneous reporting in connection with this account. 
3. Repeated Charge-offs : According to the FCRA, a debt can only be charged off once. However, this account has been repeatedly reported as a charge-off every month, which is inaccurate and damages my credit standing. Such repeated reporting is a violation of the FCRA 's accuracy requirements.

4. Under the Fair Credit Reporting Act ( FCRA ), the statutory damages related to violations are outlined primarily in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which govern civil liability for willful and negligent noncompliance with the FCRA.
Product: Money transfer, virtual currency, or money service

XXXX XXXX from my XXXX XXXX company account was wired by Citibank to my XXXX XXXX XXXX account in XXXX on XX/XX/2021. More than a month later, the money has now shown up in my XXXX XXXX XXXXXXXX account. XXXX XXXX  XXXX XXXX says the money has not hit their XXXX network and they can not look into the XXXX XXXX XXXXXXXX XXXX XXXX and the correct procedure is Citibank investigate and recover the money as it is the sender 's responsibility to excuse this correctly. 

Citibank so far has refused to do a investigative trace and recover the money. As a result I a at a loss of a lot of money with no resolution in sight as the big banks refuse to investigate the missing money. 

Attached is the XXXX record of the outbound message that can help the banks trace and recover the money.
Product: Credit reporting

Once again, this is very frustrating, I have process this complaint with CFPB and all equifax does is update the same information and no one is holding them accountable so I 'm going to explain this one last time and I am taking legal action because what Equifax is reporting on these XXXX accounts IS ILLEGAL!!!! EQUIFAX IS NOT REPORTING THESE ACCOUNT CORRECTLY!!!. Lets start with the XXXX XXXX account. XXXX HAS SOLD THE ACCOUNT TO XXXX, However, XXXX? XXXX PHONE, NAME NUMBER AND ADDRESS IS STILL LISTED ON MY CREDIT REPORT. NOONE AT XXXX CAN ASSIST ME WITH ACCOUNT THEY HAVE SOLD THIS ACCOUNT, THEY CANT TAKE PAYMENTS, THEY CA N'T DISCUSS THE ACCOUNT XXXX ONLY XXXX CAN XXXX BUT YET EQUIFAX HAS REFUSED TO UPDATE THIS INFORMATION ON MY CREDIT REPORT.STOP UPDATING THAT IT HAS BEEN SOLD. STATE THE NEW OWNER ADDRESS NUMBER AND ADDRESS IF EQUIFAX CONTINUES NOT TO UPDATE THE CORRECT INFORMATION I CAN NOT WORK WITH XXXX WHO IS NOW THE " RIGHTFUL OWNER OF THIS ACCOUNT '' I want XXXX? XXXX to UNDERSTAND PUTTING IN THE NOTATIONS THAT THE ACCOUNT IS SOLD AND NOT LISTING THE NEW OWNER TO RESOLVE THIS IS AGAINST THE LAW. I WANT EQUIFAX TO EITHER REMOVE THIS ACCOUNT BECAUSE I HAVE EVERY LETTER AND RETURN RECEIPT WITH THIS REQUEST OR IMMEDIATELY UPDATE THE NEW OWNER OF THIS INFORMATION. I AM APPLYING FOR A HOME IF THIS ACCOUNT PREVENTS ME FROM DOING THAT XXXX I WILL SPENDING EVERY LAST DIME TO SUE EQUIFAX FOR REPORTING INCORRECT INFORMATION. NOW FOR THE SECOND ACCOUNT XXXXTHIS ACCOUNT HAS BEEN PAID!!!!!!!!!! HOWEVER YOU ARE STILL REPORTING THAT THERE IS A BALANCE ON THIS ACCOUNTXXXX EQUIFAX CLAIMS THAT IT IS VALIDATING THESE ACCOUNT BUT YET. I AM THE ONLY ONE HERE VALIDATING AND CHECKING AND TRYING TO CORRECT THIS MISINFORMATION AND INACCURACIES THAT ARE BEING REPORTED BY EQUIFAX. EVERY OTHER CREDIT REPORTING AGENCY UNDERSTAND THIS AND HAS UPDATED THEIR RECORDS HOWEVER FOR SOME REASON EQUIFAX DOES N'T CARE. cfpb*********** PLEASE AS A GOVERNING AGENCY REMIND equifax OF WHAT THEY ARE SUPPOSE TO DO, THIS IS MY LAST LETTER AND REQUEST.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case SPRINGOAKCAP is attempting to collect as 12 XXXX BANK. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Product: Checking or savings account

I deposited a paycheck from my employer into my Truist bank account before the 30 day relationship building period. They said theyd hold the funds for 14 days and Ill have access after it clears. Now, the funds have cleared but I still cant deposit, withdrawal, or access my account in any way. 

I deposited these funds XX/XX/2023 and they are were supposed to clear around XX/XX/XXXX. It is now XX/XX/2023 and

I still cant access my funds. They have flagged my account for fraud. Ive been directed to call the fraud departme
nt and Ive called on 3 different occasions and have been left on hold for more than an hour. No response from anyone. No one can help me at the branch either.
Product: Mortgage

STATEMENT OF COMPLAINT : With this complaint, XXXX XXXX XXXX is requesting the Consumer Financial Protection Bureau bring enforcement action, both civil and criminal, against Caliber Home Loans , Inc . 

For purposes of this complaint, " Caliber Home Loans, Inc. '' means any principal, partner, shareholder, attorney, contract attorney, representative, agent or employee performing any service or work related to any foreclosure, past or present, connected to any mortgage loan, deed of trust or any document submitted to the Public Trustee of XXXX County relevant to the real property located at XXXX XXXX XXXX XXXX in XXXX County, Colorado. 

Relevant state and federal court records and documents establish that Caliber Home Loans has knowingly and intentionally engaged in coordinated debt-collection activities to collect a debt in violation of state and federal laws including, but not limited to, the Federal Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, Caliber Home Loans is and was, at all relevant times, engaged in the collection and attempts to collect, both directly and indirectly, a time-barred debt from XXXX XXXX XXXX, which Caliber Home Loans unlawfully alleged was owed and due to others. 

Additionally, seven years of relevant documents, business records and communications establish that Caliber Home Loans has knowingly and intentionally engaged in coordinated debt-collection activities to mislead, intimidate, and harass XXXX XXXX XXXX, in violation of both state and federal settlement agreements. 

Moreover, XXXX XXXX XXXX has probable cause to believe that court documents and court records, along with relevant business records and communications, establish Caliber Home Loans knowingly and intentionally engaged in coordinated and debt-collection activities in violation of FDCPA to commit a fraud on the PUBLIC TRUSTEE OF XXXX COUNTY. 

XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained within Consumer Financial Protection Bureau Case Number XXXX, as if specifically set forth herein. 

XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained with Consumer Financial Protection Bureau Case Number XXXX, as if specifically set forth herein. 

Finally, XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained within any state or federal court document or record relevant to this complaint, as if specifically set forth herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from Experian stating that they refused to investigate or validate anything I contested on my file.
Product: Debt collection

I received an alert on my credit report about a collection. I pay my bills on time so I was confused. I received the alert on XX/XX/2021 for {$310.00} via XXXX. It was from a company called Vance and Huffman. I have never received any correspondence from this company about this alleged debt. According to the Fair Debt Collection Practices Act, I should have have received written notification. I have never received a debt validation letter stating that I owed the debt. I have never been mailed anything from this company.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received notification of 3 hard inquiries to my credit report. These inquiries were from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  . I have not applied for any credit cards through these banks, nor do I have open accounts with any of them.
Product: Mortgage

Dear CFPB, I contacted TD Bank XXXX XXXX XX/XX/XXXX asking for the copy of a XXXX lien in the husband 's name only and its termination which was disclosed in XXXX by XXXX XXXX  XXXX lien search for the bank and said to have needed to be satisfied in advance of closing my mortgage in XXXX. There is no UCC3 for this lien in XXXX.Mr XXXX sent some documents but he did not send any pertaining to the lien. 
TD Bank holds my mortgage taken out in XXXX. I have a terminating alimony and will need to sell my apartment within two years. If I do not have documentation that the lien is terminated, I will not be able to sell my apartment but I will also not be able to afford to continue to pay the mortgage to TD Bank, making my situation untenable. It is essential that the bank provide all documents to me concerning this lien in the husband 's name only. I have requested them several times and the bank has failed to send them. I am divorced, XXXX years old and the bank is putting me in an economically vulnerable situation by withholding my documents. 
XXXX XXXX
Product: Debt collection

I went into default on my private students loans when I was given misinformation from the original debt holder of all my student loans, Citibank. I spoke to a Citibank representative during a period of time that I was filing Chapter XXXX bankruptcy and was told to hold off on all my student loan payment until the bankruptcy was completed. My loan payment included both federal and non-federal loans so that information was correct for my federal loans that transitioned back into repayment without any problems, but incorrect for my non-federal private loans that were sent into default. I did not receive any notice about the default until it was already sent to collection agencies. Once I was aware of the misinformation and resulting default I started to pay XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX, that took over my non-federal loans. I was making monthly money order payments to the collection agencies for over two years, however they did not provide me with receipts of payments. When I requested proof of receipt of payments, XXXX XXXX XXXX , XXXX gave me proof, but XXXX XXXX XXXX , XXXX did not provide me with any information. Since I was not sure they were receiving my money order payments I stopped making the monthly payments since I did not know for sure they were being received and credited properly. XXXX XXXX XXXX, XXXX, did not contact me for six months instead they transferred my debt to XXXX and XXXX, XXXX. The new collection company is now calling and sending me notices demanding payment. Furthermore, they have added unexplained additional charges added to my original debt.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : Attached is a copy of an email I sent to COINBASE on XX/XX/XXXX. 

As per the email, I have tried numerous times to access my account which has approximately $ XXXX. As of today, I have still not been able to access my account nor have I received any answer from them other than the automated email they send out! 

I contacted the U.S. Securities and Exchange Commission, hoping they could help me. 
They suggested that I contact your agency. 

As you can imagine, I am deeply troubled and frustrated not being able to access my money! 

Any help you can provide would be greatly appreciated. 

Looking forward to hearing from you, XXXX XXXX XXXX This is what i sent to Coinbase also : To Whom It May Concern : I had an account with COINBASE for a few years. Unfortunately in XXXX, XXXX my phone was lost and with it, all my information, therefore my two step verification doesnt work and I am not getting any text messages. Since that time for the past FOUR MONTHS! I have been trying to recover my account with COINBASE without any success! 

I have followed ALL the instructions numerous times to no avail! 

My last transaction before losing my phone, was on XX/XX/2020 reference # XXXX in the amount of {$9800.00}. Since then I have not been able to do any transactions! I have monies tied up in my account with no way to access it. 

On XX/XX/XXXX, I got as far as your verification page! I submitted my drivers license and selfie picture. On XX/XX/XXXX, I received an email stating that my account recovery was unsuccessful! On XX/XX/XXXX, I responded to your email - the case is # XXXX. Although your email states it takes 4-5 business days to respond, it is now 7 days and I still have not heard anything!

I would like to reiterate, that I have over the last four months tried numerous times and have responded each time to the instructions, yet I have still not been able to access my account. 

I am quite anxious about this as you can imagine and will appreciate hearing from COINBASE and resolving this issue. 

Thank you for your prompt attention and assistance, XXXX XXXX XXXX Cell Phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
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 XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX 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

I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there is an account and some inquiries reflecting badly on my credit history. I was confused to hear this so I looked through a copy of my credit report myself and I saw an account from a company called XXXX XXXX/XXXX that is not mine as well as inquires from several different companies. I don't know who these inquiries/account belong to as I did not give anyone permission to open that account on my behalf. I did not benefit anything as a result of that account being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards it. I have already filed a police report regarding this suspicious account and inquires.