23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am here to complain about a collection agency named " HUNTER WARFIELD '', located at XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX This agency placed false collection case against me with the wrong address, amount and wrong debt. I sent a certified letter to HW and asked it to verify the debt, however, it never really verified the debt but still reported a collection case to all three credit bureaus and ruined my credit score. This agency was collecting the debt for XXXX at XXXX XXXX, a XXXX XXXX XXXX, and it claims that I owe XXXX XXXX XXXX XXXX  for {$2300.00}. The truth is, Hunter Warfield collected a debt that does not belong to me. The debt was to address XXXX XXXX, but I lived in XXXX XXXX.  The debt never belonged to me. Second, XXXX and I went to the Supreme Court of California and both parties have settled the case. The debt can no longer be collected by a collection agency, since it is in litigation. The settlement amount is {$2300.00}. HW was collecting the wrong balance. Third, most importantly, the Supreme Court has decided that this debt does not have a due date, so the debtor can pay the creditor anytime. However, ignoring all those facts I requested the HW to verify, HW still posted the false collection cast on my credit files. I first received the collection letter onXX/XX/XXXX, and I sent back the letter to HW to ask it to verify the debt on XX/XX/XXXX, and HW posted the false collection case on my profile on XX/XX/XXXX. It never really looked into my letter to verify the debt before it post collection case on my account. This agency has historical issues with all kinds of consumers. On behalf of XXXX XXXX XXXX XXXX, it posted all kinds of wrong collections on consumers per it 's BBB ratings. It has a C- rating and had 5-6 collection issues with consumers. Please investigate this collection agency and give me some justice. I 've already gone to the court with this business and still have to face all kinds of trouble this agency brought me. The california supreme court case number is XXXX. Please look into this agency.
Product: Credit reporting or other personal consumer reports

Privacy ACT of 1974ALL Rights Reserved! My non-public information is being reported WITHOUT my consent! Each company on my consumer have been informed several times. Per the CFRs as a federally protected consumer I am now opting out per 15 USC 6802. Please take note this is my final attempt before federal court papers are filed and each credit reporting bureau who is reporting my NON-Public information will be sued to the fullest extent possible dating back 5 years. 

Also transactional history is illegal to report. Please see letter from FTC to see the deceit and fraud that is happening.
Product: Debt collection

I recently reviewed my credit report and found several inaccuracies that I formally dispute. Please verify or remove the following : accounts with XXXX XXXX ( XXXX ), LVNV Funding LLC ( XXXX ), and XXXX XXXX XXXX ( XXXX ), as I do not recognize or have any agreements with these entities. Additionally, I request the removal of unauthorized hard inquiries from XXXX XXXX ( XX/XX/year> ) and XXXX XXXX XXXX ( XX/XX/year> ). Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), I request an investigation and removal of unverifiable items within 30 days. Furthermore, I am aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX for negligence, further underscoring the importance of ensuring the accuracy of consumer credit reports. XXXX violates my rights as a consumer also making it practically impossible to purchase my first home or new vehicle.
Product: Money transfer, virtual currency, or money service

Money was taken never can speak to a customer service representative, and I want all my money reported to be returned.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 was a victim of identify theft in 2010, and shortly after I went through an exacting amount of time attempting to correct and fix this mess. XXXX, more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private counsel, 3 separate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my XXXX report. XXXX is being reported two times and with a balance of XXXX
Product: Debt collection

I received a Notice of Wage Garnishment from my employer on XXXX XXXX, XXXX the Notice did not correspond to the Notice to Collect the Debt that i received on XXXX XXXX, XXXX. My Payment of {$85.00} was not reflected in the Notice of Wage Garnishment from my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I just graduated XXXX XXXXXXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security XXXX until now. when my XXXX XXXX counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.
Product: Student loan

I OBTAINED A LOAN IN XX/XX/XXXX FOR MY DAUGHTER AT XXXX, THE STUDENT LOAN HAS BEEN ON DEFERRED STATUS SINCE THAT TIME AND WAS THROUGH XXXX. REPAYMENT IS NOW START TO BEGIN ON XX/XX/XXXX. THE LOAN HAS BEEN SOLD TO NAVIENT. NAVIENT IS TRYING TO COLLECT A LATE FEE THAT THEY SAY WAS CHARGED BY XXXX. THERE IS LEGALLY NO LATE FEE DUE AS THIS LOAN HAS BEEN ON A CONSTANT DEFERRED STATUS UNTIL NEXT YEAR. NAVIENT IS TRYING TO COLLECT A FEE THAT THEY SAY XXXX ASSESSED AND NAVIENT WILL NOT REVERSE THE {$12.00} AND WANTS ME TO PAY IT. I AM NOT LEGALLY RESPONSIBLE FOR THIS FEE AND NAVIENT IS ILLEGALLY TRYING TO COLLECT A FEE I AM NOT LEGALLY RESPONSBILE FOR. THEY HANG UP ON ME ( SUPERVISOR XXXX HAS ) AND WILL NOT ISSUE A CREDIT ON THE ACCOUNT FOR THE {$12.00} FEE.
Product: Credit reporting or other personal consumer reports

Citibank claims I owe them money for a renewal on a card I cancelled. They have charged me interest for several months on the renewal fee despite my having cancelled the card on a recorded line. 
I have spent over XXXX hours on the phone with them only to be sent in circles. 
They then reported the unpaid amount to the credit bureaus. Dropping my score fro XXXX to XXXX. Further checking has proven this drop to be all caused by CITIBANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting or other personal consumer reports

here is 100 % evidence of corruption and fraud by transunion I paid off {$9000.00} on my debt huge amount bringing my debts to XXXX {$0.00} Transunion corrupt fraud credit score only added XXXX points on my score LOOK AT IMAGES Transunion further evidence of their corrupt fraud. 1 company made 1 inquiry on my credit and XXXX points XXXX debt paid XXXX points XXXX inquiry XXXX points YOUR CORRUPTION DOCUMENTED Federal govt OIG needs to investigate and pursue action against Transunion
Product: Debt collection

I have received numerous calls/voicemails from a XXXX XXXX, claiming to be from The Weinberg Mediation Group, she threatens to contact the local authorities to have me placed under arrest. She has also called my Employer, family members and states the same information. I have inquired with a XXXX, IL Attorney regarding and was advised this is a scam and to file a complaint. 
Phone Numbers calls are received from ; XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX account was charged off in 2018. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. Need I remind you this also falsely manipulates the statue of limitations and the date of first delinquency has been illegally changed. Please note all changes after 180 days to charged off status is completely illegal
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Unjustified Closure of My Account Dear Sir/Madam, I am writing to file a formal complaint against Charles Schwab Bank concerning the sudden and unjustified closure of my account. 

On XX/XX/2023, I received a letter from the aforementioned company stating that my account has been closed. The reason given was related to my credit score from XXXX, which they claimed as the basis for their decision. However, I find this explanation to be unsatisfactory and potentially discriminatory for the following reasons : 1. My XXXX score is close to XXXX, with no negative marks. This score is considered good and should not be a factor for closing an account without any other underlying issue. 

2. I did not give permission to Charles Schwab Bank to review my credit. This is a breach of my privacy, and I am unsure how they accessed this information without my consent. 

3. I was given no prior notice or reason to suspect that my account would be closed. This sudden action has caused significant inconvenience and disruption to my financial planning and transactions.

I believe that this action by Charles Schwab Bank is a discriminatory act against me. I have upheld my part of the agreement and maintained my account in good standing, and I see no justifiable reason for the closure of my account. 

I kindly request your assistance in investigating this matter. I would like to understand why Charles Schwab Bank accessed my credit information without my permission and why my account was closed without any valid reason or prior notice. Also have them a credit application which is turnt into a security that they make money off of so how does my credit have to do with anything I believe that the closure of my account is not only an unfair practice but also a violation of my rights as a consumer. I trust that you will take my complaint seriously and facilitate a fair resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Mortgage

I applied for Mortage loan my credit score was more then enough but he trying to make me pay off older debt from XXXX stuff like for XXXX bucks when no other places require me to do that and i feel like he did it because iam XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported bXXXX XXXX XXXX XXXXXXXX for the account number XXXX The late payment is reported a dated XX/XX/year>, and I firmly believe this is inaccurate for the following reasons : I have always made my payments on time, apparently they have administrative errors Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent
Product: Debt collection

I was charged fees by XXXX XXXX XXXX for services that were not performed including cleaning and maintenance for a home I own. The work was billed but not performed. I have video by a licensed real estate agent of the condition of the home after it was " cleaned and maintenance completed '' by the claimant. The company that supposedly performed the work then sold the amount due to a debt collector, JJ Marshall & Associates. XXXX XXXX XXXX has committed fraud by charging for work they did not perform. I have contacted XXXX XXXX XXXX repeatedly and they are not responsive. I have attached pictures of after the work was supposedly performed. I also have videos but they are too large to attach.
Product: Debt collection

Media Collections Incorporated XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number XXXX are guilty of violating 15 USC subsection 1681 ( a ) ( 1 ) ( A ) And 15 USC subsection 1681 s-2 ( A ) ( 3 ) Also 15 US code 6802 And 15 United States code 1692
Product: Money transfer, virtual currency, or money service

PayPal e-mail : XXXX On XX/XX/XXXX I sold a XXXX XXXX   XXXX through XXXX and was paid through PayPal for the total amount of {$1900.00}. I shipped very quickly and the buyer received the item on XX/XX/XXXX. He fraudulently charged with his financial institution. However, on XX/XX/XXXX PayPal notified me that I would keep the money as the buyer had charged back fraudulently after receiving the item and I was covered under seller protection. However, they also permanently limited my account on XX/XX/XXXX saying I could no longer do business with them while holding the $ XXXXin my account for 180 days. In some cases, I can understand why PayPal may need to hold the money for 180 days in the case of Chargebacks, but a final decision has already been made in regards to this case so there is no possibility the {$1900.00} will go anywhere. I contacted customer service many times and the only reason I got for the permanent limitation on my account was for security reasons. This is incorrect as all the money in the account has been finalized. I do not believe I should be punished for a buyer who commits fraud. Also, I can not possibly have my money held for 180 days for no good reason as I have bills that need to be payed! PayPal has no right to hold my money. This is also a significant amount and happened even after I submitted personal identification, proof of shipment, and receipt of purchase.
Product: Money transfer, virtual currency, or money service

I called in and made a complaint about money keep missing from my account I contact cash out through the app and no one was able to respond they just kept saying give it a certain amount of days and money will appear but never did then when I contact them the same thing so I asked can I speak to a live agent they didn't have anyone for me to be able to speak to over phone
Product: Mortgage

Caliber home loans ( XXXX ) &. XXXX XXXX ( Trustee ) they have Overcharged in the Foreclosure sale. 

my loan number is : XXXX As to the last Statement shows total amount due and owed was : {>= $1,000,000} BUT, the house was foreclosed at : {>= $1,000,000} Caliber home loans OVERCHARGED me for : {>= $1,000,000} By law they couldn't charge late fee over {$1500.00} and NO Attorney fees I should receive back the OVERCHARGED AMOUNT. 

XXXX XXXX XXXX
Product: Credit card

I have typed this out 5 times it keePs disappearing before sent. I filed dispute with cash app they denied it and still hasn't sent the info I requested, I have ask 5 times
Product: Credit card or prepaid card

I was recently approved for a Barclays AAviator business card and received the card on XX/XX/2019 with a credit limit of XXXX. As of XX/XX/2019 my transactions were not going through in store. I called Barclays card customer service rep ( XXXX ) and they said Barclays needs my social security card, last years tax return, and drivers license due to " review ''. I asked for why the review occurred and they could not specify why. They told me to fax the 3 documents over. I complained that these 3 documents will cause risk of lose through a use of a public fax machine as I did not have one. They said I can email them the documents @ businesscardsarsmail@barclays.com I attempted to email them today and I received notification of invalid email address. 
I'm wondering the reason why to send over these sensitive documents without attempting to call, email, mail or notify me these are required. I do not understand why they would approve my card and then block my purchases starting today? It doesnt make any sense. I have a checking account with them for over 7 years and my credit score is over 800. I XXXX a similar problem and that person filed a complaint and executives were emailed and then they canceled the documents requested. 

I just dont understand why I have to send a copy of my Social security card, drivers license, and last years tax return! It's too risky to send via fax. 

For reference the login portal for my credit card is aviatorbusinesscard.com and its owned by Barclays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got in the credit reporting of annual credit reporting service and found two credit bureaus of XXXX   and XXXX except Experian and also received those downloaded and saved PFD. There is no sign of what I have seen Experian itself provided via annual credit reporting but already checked out in Experian along with two of them. Therefore, I have determined filing a dispute as I request a complaint about missing one of those on the annual credit reporting. That is how I am affected if it may be caused a scam or disadvantaged offer without the indication of Experian. That is how I am concerned as long as I have to file a disputed complaint! 

Thank you for allowing me to stand up for my belief by not agreeing with annual credit reporting system!
Product: Credit reporting or other personal consumer reports

( 1 ) Wrong name and address on Credit Report ( 2 ) XXXX XXXX XXXX  pulled my credit/inquiry without my consent ( 3 ) Student loan balance are not the same when I first got the loans
Product: Checking or savings account

XX/XX/20 Synchrony will not change my CD maturity instructions. 

They insist on sending me a code to verify my identity but something is wrong with their system. They have sent me 2 codes by text, 2 codes by phone call, and 2 codes by XXXX. I received the codes they sent. I told them the codes over the phone. Yet they can not process it on their end. 

I just want to have synchrony change the maturity instructions on my CDs.
Product: Checking or savings account

In XXXX I paid my debt to Bank of America and XXXX I dont have a receipt because I did it over the phone. During XXXX I didnt know what was going on with my accounts I just forgot to close them due to me being very busy and stressed. I had stopped working because I had another child, I was at XXXX  XXXX  so I have put aside somethings and let my husband take over so we were just having his income and he was using his bank. I dont even know the account numbers just whats on the consumer report.