23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hunter Warfield ( a debt collection agency ) is attempting to collect a debt which is not truly owed, and multiple attempts to clarify the situation with them and their client have been received with indifference and a lack of action to correct the situation. 

Hunter Warfield is collecting on behalf of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, CO XXXX ) where my brother was renting. He terminated his lease early after the landlord failed to repair a serious sewage issue which violated both Colorado State Law and the lease agreement. Despite this contract violation, XXXX XXXX charged him early move-out fees which they sent to Hunter Warfield for collections. 

I have attempted to clarify this situation on the phone and in writing with both Hunter Warfield and XXXX XXXX, however Hunter Warfield has refused to consider the veracity of the claim. I additionally disputed this claim with all three credit agencies who did not remove the claim from my credit report, despite my providing written documentation proving the claim was inaccurate. 

It's sad and unfair that the credit agencies automatically side with a collection company which has no proof other than their claim while I have provided copies of contracts and written communications proving there is no debt to be collected.
Product: Vehicle loan or lease

I made additional payments, additional to the monthly payments, to Bank of America and apparently if you do not have a checking account with them, then the additional payments do not get applied to principal only. They said add'l principal only payments are not available on the website, it would come across as a regular payment with a portion of it being allocated to interest. Nothing on the website indicates this and still doesn't. They said this option is only available if you call in to make the payment. Therefore I requested for all my add'l payments to be readjusted and applied to principal. I contacted BofA to request my payment history ( with a breakdown of each payment and how it is allocated - principal v. interest ) on separate occasions and was told that they could only mail or fax. I do not understand why there is a secure messaging system if they do not utilize it. three requests for fax and it has not been rec 'd 2 requests via mail and it's still not rec 'd. It baffles me that as a consumer, I am unable to access this payment history on their website. I was told to look on previous statements for this information. However, any recent adjustments would take a month before I could review and validate that past payments were properly reallocated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX/XXXX asking that Experian investigate for fraud but they have still failed to block the negative information from my credit report. As per FCRA credit reporting agencies must block fraudulent information from a consumers credit report within 5 days or receive sanctions. Please remove this derogatory item immediately.
Product: Credit reporting or other personal consumer reports

The Company called : XXXX by SafeRent has provided wrong information about me to a Rental Agency. I sent an Email to : XXXX, and XXXX, as well as called their Customer Support Phone Number ; XXXX, and spoke to a " XXXX ''. 
I answered all their questions to verify me, and asked numerous times for a Copy of my Report, because I want to dispute ; they kept giving me one excuse after another and I never got a Copy of my Report. I even asked for a Supervisor; and was put on-hold and then hung-up on. All this was done on XX/XX/2025. 
Can you please help? 
Thank you
Product: Debt collection

After discovering a recent negative account added to my credit file, I contacted the Debt Recovery Solutions company located in XXXX XXXX inquiring about the account. I was informed it was a physician bill from XXXX years ago. I challenged that I would owe a physician {$630.00} as I have always had insurance and asked for proof. After XXXX weeks, I called a XXXX time stating I did not receive the requested information. The lady was very rude, overtalking me and I had to ask her to let me finish my sentences. I informed her that I would be researching the validity of the account and asked what the discount would be for me to pay it, if it is found valid. I was informed that {$530.00} would be accepted. After contacting XXXX XXXX XXXX XXXX XXXX XXXX ( my insurance provider for the last XXXX years ), they stated the physician, XXXX XXXX, never filed a claim for rendered services. The fact that their office did not file a claim to my insurance company, within XXXX months of service as allowed, can not leave me liable for the fees charged. Furthermore, I never received a notice of collection prior to this appearing on my credit report.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have Fraudulent accounts and unauthorized Inquiries appearing on my credit report. I have attached an FTC 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 federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX {$760.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX  XXXX {$700.00} XX/XX/XXXX XXXX NOT RECOGNIZED XXXX XXXXXXXX Bank Credit XXXX XX/XX/XXXX XXXX, XXXX XXXX Bank Credit XXXX XX/XX/XXXX TransUnion, XXXX  All XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX U.S.C XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX U. S. C, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have asked all three bureaus- XXXX XXXX Experian, and XXXX numerous times and through letters to please do the following : 1. Please delete inaccurate names showing on my credit reports that are not my name. Experian alone showed over 20 different names that are not mine. I have also filed disputes and they are still appearing. 
2. I have asked for inaccurate or old addresses to be removed from all three of my reports- online, via mobile, and in writing. I have filed disputes and they are still appearing on my reports.

3. I have asked for all derogatory information to be verified as mine. None of the information that is showing as derogatory belongs to me.

4. I have filed countless disputes and sent letters regarding all of these inaccuracies to ensure that the information that is showing on each report ACCURATELY DEPICTS MY CORRECT INFORMATION and not the information of someone else.

5. I also located duplicate accounts with late payment histories from XXXX XXXX XXXX XXXX XXXX XXXX that are also not mine. I have never been late on a single payment with any credit card company. 

I have tried so many attempts and would really like some help and assistance to get this right. These inaccuracies have adversely affected me. These inaccuracies have denied me housing and it could deny me future employment or the ability to obtain any future lines of credit should i deem necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion continue to report inaccurate information. Per the IRS any cancelled debt is considered a certificate of indebtedness which is income and can not be reported. 

The creditor account listed as XXXX Account # : XXXX has several inaccuracies. 

Account Type - Detail : Secured credit card Credit line secured Secured credit card Account Status : Derogatory Open Derogatory Monthly Payment : {$0.00} {$90.00} {$0.00} Balance : {$15.00} {$100.00} {$15.00} High Credit : {$200.00} {$200.00} {$120.00} Credit Limit : {$170.00} {$170.00} {$0.00} Past Due : {$15.00} {$75.00} {$15.00} Payment Status : Collection/Chargeoff Late 150 Days Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX and XXXX are reporting late payments from XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX - XX/XX/XXXX. Transunion is not reporting any late payments. 

This means this account has not been properly verified and this information needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Equifax credit report are fraudulent and unauthorized credit inquiries : XXXX, XXXX and XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I some student loans reporting on my credit report that are not mine. I have tried removing them in the past. Several have been removed but there is one left that is still reporting. I need to have this removed from my credit report because it is inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY XXXX XXXX TOOK ME TO COURT FOR {$7000.00} FOR SOME AUTO LOAN THEY ALLEGED THAT I OWED, I DENIED THIS CLAIMED WENT TO COURT TOLD THEM TO SHOW PROOF AND THE COURT DATE WAS RE SCHEDULED TO GO TO TRIAL WITH THEIR ALLEGED PROOF, THE COMPANY NEVER SHOWED UP THE DAY OF TRIAL WHEN BOTH PARTIES WERE CALLED UP TO THE STAND AND THE JUDGE SAID DISMISSED WITH PREJUDICE. I WENT BACK TO THE COURT HOUSE TO GET A COURT CERTIFIED COPY OF PROOF OF THE JUDGEMENT, SENT THAT COPY TO ALL 3 CREDIT BUREAUS WITH REPORT NUMBERS, IT WAS DELETED FROM XXXX, XXXX XXXX BUT STILL REMAINS ON EXPERIAN, THEY HAVE TO REMOVE IT PLUS THE COMPANY GOT A COPY OF THE SAME JUDGEMENT, WHEN I CONTACTED EXPERIAN THEY TOLD ME THEY ONLY REPORT WHAT THE COMPANY REPORTS BACK TO THEM, SO BASICALLY EXPERIAN IS KEEPING THIS ACTIVE ON MY EXPERIAN CREDIT REPORT BUT DELETED IT EVERY WHERE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX 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 an 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 item 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

XXXX XXXX Amount {$350.00} Dates XXXX XXXX, XXXX  In accordance with the Fair Credit 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: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ( XXXX XXXX XX/XX/XXXX ) {$5700.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC ( XX/XX/XXXX ) {$22000.00} 3. XXXX XXXX Account Number XXXX ( XX/XX/XXXX ) {$1200.00} 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX ) {$19000.00} 5. XXXX XXXX XXXX XXXX XXXX TX XXXX ( XX/XX/XXXX ) 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XX/XX/XXXX ) {$500.00}, {$1900.00} 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXXl 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX XXXX ( XXXX ) 18. XXXX XXXX XXXX 19.  XXXX 20 . XXXX XXXX XXXX XXXX 21. XXXX Credit/ XXXX XXXX 22. XXXX   23. XXXX XXXX XXXX 24. XXXX XXXX 25. Bankruptcy Chapter XXXX
Product: Debt collection

Portfolio Recovery has been using deceptive tactics calling my phone several times a day from several different numbers trying to collect a debt not owed. I have no contractual agreement with this company. This company should either be shutdown or have legal action taken against them for their fraudulent and deceptive tactics trying to collect on debts that were not owed. I would like them to remove all negative accounts from all three credit bureaus to clear my credit report of these false accounts.
Product: Credit reporting or other personal consumer reports

For any account that is alleged to be derogatory, I would like evidence showing why the credit bureaus and the company that provided the data to the bureaus consider the financial status of the liability under the law that the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ) allows for a violation of both FRCA AND FDCPA. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation ) I requested the following account be put in disputed status and the never were. 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: Mortgage

I submitted a mortgage payment through my XXXX XXXX pay for both XXXX and XXXX, 2022 respectively. I have used this method of payment in excess of one ( 1 ) year and have never had an issue until recently. BSI is alleging they received payments for both XXXX and XXXX, 2022 " after '' the deadline, which is the XXXX of each month, thereby accessing a {$51.00} late fee to the account. However, upon contacting XXXX and speaking with a Representative, their systems indicated payments for both XXXX and XXXX were issued as follows : XXXX, 2022 was issued on XX/XX/2022 and received by BSI on XX/XX/2022 ; and XXXX, 2022 was issued on XX/XX/2022 and received by BSI on XX/XX/2022. In speaking with the BSI Representative regarding these two ( 2 ) transactions, i tried to provide the transaction number and the acct number for which XXXX provided based on information taken from the back of each bank issued draft to request they recheck their transactions to see if an error occurred and/or perhaps my acct numbers were mixed up with another similar account, these suggestions proved fruitless as BSI refused to check their records and maintained their records and information was accurate. 

I find the recent late fee assessments suspect on the part of BSI as they are a " Loan Servicer '' and are the only ones profiting from any fees assessed on the accts of a consumer/borrower, and as evidenced by their failure and/or refusal to check their transaction as though they are exempt from mistakes and/or are the only organization not experiencing staffing issues. Not to mention BSI stands to gain additional interest if all borrowers utilized their preferred method of payment which is Auto Pay and/or Online Bill payments.

Finally, BSI 's refusal to check its transactions, admit any error could have occurred on its part, or their admission of staff shortage, on its face, can be seen by the consumer/borrower of BSI 's attempt to collect additional fees, especially given the fact that XXXX has presented proof to the contrary of their records. The foregoing method of attempting to collect fees from a borrower by these types of practices is unfair and fraudulent on the part of BSI.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX became my loan servicer XX/XX/2020. My credit report shows reflects inaccurate late payment history for the timeframe XXXX through XX/XX/2020 for XXXX Trans Union and XXXX. XXXX shows 180 days late, Trans Union shows 120 days late and XXXX shows 120 days late which is inaccurate reporting. XXXX XXXX XXXX  was not the loan servicer for frame reported and is incorrectly reported on my account. XXXX XXXX is also reporting in accurate information for XXXX XXXX 30 days late on all three bureaus XXXX 30 days late on all three bureaus and XXXX for XXXX only. I have never been late on my mortgage payments. I demand that all three credit bureaus are updated to reflect no late payment history as of XX/XX/2020 to current and all payment history prior to XXXX XXXX purchasing my mortgage loan removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX Account XXXX : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
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 U.S.C. 1681. 



XXXX XXXX  Account number # XXXX XXXX XXXX Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ( XXXX ) Account number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account closed XXXX XXXX XXXX  XXXX Account needs to be removed ( Paid ) -I was unable to receive the full account number but it is on my credit report. 

XXXX XXXX XXXX - I was unable to obtain the full account number but it is listed on my account. 







15 USC 1681 ( s ) ( 2 ) 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.

15 USC 1681 section 602 ( A ) states I have the right to privacy 15 USC 1681 Section 604 ( A ) section 2 : XXXX states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 c ( 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 anecdotes the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) States 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.

15 USC 1681 ( e ) ( b ) Accuracy of report Whenever a consumer agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals to whom the report relates. 



Due to these inaccuracies, this has disabled my ability to purchase a home at a reasonable interest rate, buy a car at a reasonable interest rate, and obtain a credit card above a limit of XXXX i want compensation and i do have proof of the harm these errors have caused pain and suffering in my life.
Product: Checking or savings account

Received an email from Bank of America on Wednesday XX/XX/year> stating Youre enrolled in Online and Mobile Banking. However I do not have any accounts with Bank of America.
Product: Money transfer, virtual currency, or money service

l 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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$7300.00} XX/XX/XXXX - {$4500.00} I contacted all three credit bureaus explaining that these account were deferred.
Product: Credit reporting or other personal consumer reports

I noticed XXXX inquiries on my Experian account that does not belong to me. Here are the details... 

XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 I called Experian multiple times and also sent them a letter informing them that I did not do these inquiries. Please remove this from my credit report immediately as it is causing me problems trying to access funding. Thank you for you assistance with this.
Product: Credit reporting or other personal consumer reports

I recently checked my consumer report and found multiple damages on my report. This is a defamation of my character and violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Direct deposit was suppose to be deposited XX/XX/year>. Date is now XX/XX/year> currently XXXX and still no deposit. Attempted to call customer service but was hung up on after waiting for over an hour.