23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My XXXX son has a not so new cell phone. Apparently the person who previously had that cell phone number owes money to someone. Today, a third debt collector called my son 's phone in an attempt to collect the prior person 's debt. We have informed both prior debt collectors that the phone number they were calling is that of a minor. While that may have stopped that debt collector, that had not stopped debt collections directed at my son, who is not the debtor, and who it is illegal for the debt collectors to call. 

The issue that I think the CFPB needs to address is how to stop this marry-go-round of illegal activity. There does not appear to be any duty of the debt collector to report to the creditor that the phone number associated with the account is bad. Likewise, there is nothing to prevent the creditor from asking a new debt collector from making an improper phone call to a minor to collect a debt the minor does not owe. 

In addition, as with happened with prior debt collectors calling my son, it is not so easy to get them to stop. When I told the agent that they had called the wrong person and had called a minor 's cell phone, she told me that they would take his number out of their system within two or three days. When I objected, I was connected to a supervisor who agreed to stop them from calling that number immediately. 

I then asked the supervisor to please send a letter of apology to my son. My thought is that after someone violates a federal law, the least they could do is appologize. The manager said he would say he was sorry on the phone to my son, but he refused to send a letter of applogy. 

One last thing, we live in XXXX, which requires that debt collectors have a special business license. While this debt collector claims to be located in XXXX, they used a XXXX telephone number to contact my son, and appear to be transacting business in XXXX. The supervisor informed me that his company does not hold the appropriate XXXX business license. As such, It think they should also be reprimanded for doing business in areas they are not licensed to act.
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 inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX  - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXXXXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - This inquiry was not authorized please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried getting a car loan, the company tried several banks but refuse to treat credit pull as one after 30 days and the credit pull is still remain on my credit report, After trying to dispute with all three agency it still remains the same, most of these from the angency below have incorrect dates and time. 

TransUnion Inquiry details XXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX never received a denial letter or a call 2 ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ) XXXX ( Finance ) XX/XX/XXXX XXXX ) XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ) XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ) XXXX ( Finance ) XX/XX/XXXX XXXX ) XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ) XXXX ( Finance ) XX/XX/XXXX XXXX ) XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ) XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ) XXXX ( Bank ) XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ) XXXX XXXX XXXX ( Auto ) XX/XX/XXXX TransUnion Inquiry details 1 ) XXXX XX/XX/XXXX 2 ) XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX  XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 12 ) XXXX XXXX XXXX XX/XX/XXXX 13 ) XXXX XXXX XXXXXX/XX/XXXX 14 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 15 ) XXXX XXXX XXXX  XX/XX/XXXX 16 ) XXXX XXXX XX/XX/XXXX 17 XXXX XXXX XXXXXXXX XX/XX/XXXX 18 ) XXXX XXXX XX/XX/XXXX 19 ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry details 1 ) XXXX XXXX XXXX You applied for credit on XX/XX/XXXX 2 ) XXXX XXXX You applied for credit on XX/XX/XXXX XXXX ) XXXX XXXX  You applied for an auto loan on XX/XX/XXXX 4 ) XXXX XXXX  You applied for an auto loan on XX/XX/XXXX 5 ) XXXX XXXX You applied for an auto loan on XX/XX/XXXX 6 ) XXXX XXXX You applied for an auto loan on XX/XX/XXXX 7 ) XXXX XXXX Accept You applied for an auto loan on XX/XX/XXXX 8 ) XXXX XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX 9 ) XXXX XXXX XXXX XXXX You applied for an auto loan on XXXX XXXX 10 ) XXXX XXXX XXXX XXXX You applied for an auto loan on XXXX XXXX 11 ) XXXX XXXX You applied for an auto loan on XXXX XXXX 12 ) XXXX XXXX  You applied for an auto loan on XX/XX/XXXX 13 ) XXXX XXXX XXXX Na You applied for a credit card on XX/XX/XXXX 14 ) XXXX XXXX You applied for an auto loan on XX/XX/XXXX 15 ) XXXX XXXX  You applied for a credit card on XX/XX/XXXX never received a denial letter or a call 16 ) XXXX  XXXX XXXX XXXX You applied for an auto loan on XX/XX/XXXX 17 ) XXXX XXXX You applied for credit on XX/XX/XXXX 18XXXX  XXXX  XXXX You applied for credit on XX/XX/XXXX 19 ) XXXX XXXX XXXX You applied for credit on XX/XX/XXXX 20 ) XXXX XXXX XXXX You applied for credit onXX/XX/XXXX 21 ) XXXX XXXX  XXXX XXXX You applied for credit on XX/XX/XXXX22 ) XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX
Product: Student loan

I am part of the Borrowers Defense post-class. I was placed on Forbearance and have called in and asked to be taken off of Forbearance. I still have not been taken off. I am going to be accruing interest that I do not/should not be accruing.
Product: Debt collection

Dear Absolute Resolutions, I am writing to request validation of the debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I do not recognize this debt and would like to ensure that your records are accurate. Please provide all information necessary for me to verify this claim. 

Specifically, I am requesting : The name and address of the original creditor. 
The date the debt was incurred and the amount of the original debt. 
A detailed accounting of how the debt amount was calculated, including interest, fees, and any other charges. 
Copies of any agreements or contracts that I allegedly signed. 
Evidence that you have the authority to collect this debt. 
Until the requested information is provided, I ask that all collection activities regarding this account cease, as required by the FDCPA. Additionally, please do not contact me at my workplace or use automated systems to contact me. 

If you are unable to validate the debt, please remove it from my credit report and notify me of this action. 

Thank you for your prompt attention to this matter. I look forward to your reply within XXXX days of receiving this letter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on me that is causing me significant damages. There are several misspellings of my name and addresses that do not belong to me. In spite of my repeated attempts to get this information removed it remains this is my final notice to each consumer agency before I file for arbitration and sue under FCRA. 

My name is XXXX XXXX there should be no other name or names listed. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this is my only address any other address is incorrect and not deliverable by the United States Postal service. I have attached proof of this to this compl.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently viewed my credit report to find the inaccurate accounts reporting under my name. I dont know how these accounts were connected to my credit report and I never gave Equifax or XXXX XXXX any written consent to report anything on my consumer report, according to the FCRA no consent is a direct indication of identity theft. I did not open these accounts, THEY ARE CLOSED ACCOUNTS that match the attached identity theft report included. Please see attached supporting documents and affidavit. 
I am demanding deletion of the accounts below : XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Mortgage

Like many others, when getting a home loan, our mortgage was sold from a company called XXXX to Newrez, XXXX XXXX XXXX. Like many normal people, we set up automatic bill pay for our mortgage with XXXX XXXXXXXX XXXX. Well, Newrez lost our payments and then sold our mortgage to a company called XXXX XXXX XXXX which also misapplied payments because of the Newrez issues that remain unresolved. We have provided countless amounts of written proof to Newrez and XXXX XXXX XXXX that our bill payments went to Newrez as verified by their routing numbers and account numbers. We have canceled checks. We have letters from XXXX XXXX XXXX saying the funds went out but did not come back in. We have bank statements showing funds left and never came back to us. Yet, Newrez and XXXX both refuse to correct the issue, they drag their feet and refuse to provide any proof that deposits for the same amounts on the same days entered their accounts just like we have been forced to provide many times now. My credit has negative filings for late payments that were never late and they have not removed them. This has been going on for a year now and we keep providing the same paperwork over and over and they refuse to show any paperwork whatsoever on their side. They are in breach of contract and not fulfilling their duties. If they were audited, this would be found and all we're asking for is the same paperwork we've provided. We completed our obligation, but they have not completed theirs. I am sure if an auditor audits them and I sincerely hope the government audits both Newrez and XXXX as a result of this, they will find those payments hit their accounts but just weren't allocated to our account as an error. An auditor would also find XXXX did a number of unethical and misleading things to us assuming we never paid NewRez which we did. 

This is a mess and we are being mistreated and both firms are in breach of contract. Audit them and you'll find our payments, just like XXXX of the largest banks on earth in XXXX  has. proven many times now via many forms of documentation. We hope you can help us bring this to closure and we hope Newrez and XXXX are help accountable for their errors. People make mistakes. They need to own theirs, fix these issues, and move on. Over a year is far too long. 

I should add, XXXX in particular, but also Newrez was passing and faxing around our private information in ensure ways and we've called this out many times. They should be audited for these practices as well. You should listen to our recorded calls with XXXX that they refuse to give us access to. 

I attached XXXX canceled check clearly showing the account and routing number matching Newrez. I have the rest of the statements and will provide if you ask. We just have had so much private information distributed, we are scared for our privacy.
Product: Credit reporting or other personal consumer reports

After reviewing my early warning report.I noticed negative reporting from Citibank, I'm not familiar with. I sent a dispute to XXXX XXXX XXXX, asking for validation of the negative accounts being reported. In response, they sent a letter indicating the accounts were accurate, complete and was verified. However, I did not receive any of the documents I requested to verify and validate the debt and or negative accounts belong to me. 
CITIBANK CALIFORNIA Account Number ( XXXX ) : XXXX CITIBANK CALIFORNIA Account Number ( XXXX ) XXXX CITIBANK CALIFORNIA Account Number XXXX According to the FCRA 2. Right to Dispute Inaccuracies Section 611 : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within 30 days.

3. Notification of Dispute Results Section 611 ( a ) ( 6 ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. 

XXXX  violated by consumer rights according to the laws listed above by not providing written response detailing the results of the investigation and providing documents used to validate the debt.Please find attached all disputes sent to XXXX  and their response.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a XXXX data breach. Reviewing my credit reports, l noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. 

Please find attached a copy of My ID. The FTC complaint, a copy of the XXXX report showing my information being exposed in a XXXXXXXX XXXX and a Validation of debt Letter.
Product: Credit reporting or other personal consumer reports

In good faith, I have been attempting to correct my consumer report. I have tried on several occasions to address the incorrect reporting on my consumer report with Equifax. Equifax has validated the following accounts on my consumer report as accurate, Equifax has failing to prove that these accounts are accurate and verifiable, as these same accounts all show inaccuracies across all 3 credit reporting agencies. 

The inaccurate and unverifiable accounts are as follows : 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 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, and Last Active is inconsistent across 3 reporting agencies ] According to this law below, inaccurate or unverifiable information should be deleted from my consumer report : 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is been a year since I send my first letter to Experian for them to delete addresses and names that appeared on my credit report and as of today XX/XX/2022, they have not deleted anything. I have also made several complaints here and CFPB is done nothing. Where else do I need to complain?
Product: Mortgage

On XX/XX/2018, the Commonwealth of Virginia on behalf of XXXX & XXXX XXXX, et al. brought forth a case against XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX. The case was concluded with XXXX XXXX XXXX, owner of property being forcefully removed from the court in handcuff ( s ), placed in a holding cell and then transported to XXXX XXXX Regional XXXX for the second time surrounding this property. XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX has not authorized a property address change and did not grant her property to any party other than herself. This matter is required to be reported to the United States Department of Justice and per EEOC discovery, I, XXXX XXXX XXXX am required to turn over these documents as well as any expenses occurred to the U.S. Department of Veteran Affairs attorney.

Additionally, I just received a check in the mail for the Wells Fargo Property Inspection Settlement and the amount is deficient. The check is for {$63.00}, however, the advance amount is {$2500.00}. I will be turning these matters over to the EEOC attorney for the USDVA as well as requesting the balance due on the property inspection fees diverted as well as any other fees such as your attorney ( s ) fees, foreclosure fees in which I did not indicate my mortgage payments could be directed to a foreclosure sale, and there is no evidence of a foreclosure because it did not occur because it was halted by a case filed against your attorney ( s ) XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, Legal owner of XXXX XXXX XXXX XXXX, VA XXXX. This remains a XXXX discrimination claim as XXXX XXXX XXXX, legal owner remains to be an XXXX XXXX and the XXXX, et al. are XXXX.
Product: Student loan

I recently entered into an income base payment plan with Navient. On  X/XX/17   , I received correspondence from them stating that my application had been accepted, and that my first payment of {$210.00} would be due  X/XX/17   . When I logged on to verify this information, my account was showing up as past due. I contacted the company at least a dozen times to get this corrected.On  XXXX , I spent over two hours on the phone with representatives and supervisors alike who told me they were very sorry for the trouble but were unable to help and that unless I paid the payment of {$720.00}, that my loans would be in default and that the late fees would increase. I confirmed multiple times that this amount would bring me current and that my next payment due would be {$210.00} on  X/XX/17   . I took out a loan and paid the payment   XXXX    . I logged back on to Navient to confirm that my payment was {$0.00}. I took a screen shot. This morning,  X/XX/17   , I logged back into Navient to see if my next payment amount and due date had updated. Now it was showing a payment of {$97.00} due  X/XX/17   . Completely confused, I called them once again. I was told, by a representative and a supervisor, that the payment due was a late fee and that it i actually due on  X/XX/17   . I asked why I was not given that information last week, and why the due date on the website was a month later than the one provided to me on their automated system, and was offered no reasonable explanation. The bottom line is that if I had n't called Navient to explain this charge, I would 've reasonably expected to pay {$97.00} prior to  X/XX/17.  And what would have actually happened, is that I would 've logged on to see more late fees, and a missed payment. Navient has consistently provided false information on their website as well as through their representatives. I have a full time job and children, and not only do n't have the time, but should n't be expected to log on and call Navient daily to make sure I have the most current information regarding amounts and due dates on my loans.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human tra_icking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX  bal. {$58000.00}
Product: Checking or savings account

I checked my credit karma money spend account today and it was closed. When I called the customer service representative I talked to was very rude and pretty much told me there was nothing they could do. They lied about sending emails. Ive seen that this is happening to a lot people with the same company. And they arent getting their money. Something needs to be done about credit karma they shouldnt be getting away with taking people money.
Product: Debt collection

Repeated calls to cell number and landline two to three times a day at either number. No message is ever left on voice mail. Letter written to Portfolio Recovery on XX/XX/XXXX to cease and desist calling both numbers. Email sent to XXXX on XX/XX/XXXX to stop calling each number. Calls are made from all over the United StatesXXXX, NY, XXXX, CA, XXXX, MS XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX CA,  XXXX, NJ, XXXX XXXX XXXX CA, XXXX XXXX XXXX CA etc. 
Saturday, XX/XX/XXXX call came into cell from XXXX, MA, Yesterday XXXX, OH, today from XXXX, CA  from # XXXX call to landline today at XXXX from XXXX This has been going on for several weeks and I do not owe anyone any outstanding debt and have received nothing in the mail to indicate I owe any funds to Portfolio Recovery or any of their subsidiaries.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage was sold. I have little personal credit outstanding. The new mortgage company, XXXX XXXX  is not reporting they have my Mortgage. It still reports as New York XXXX Bank and Paid. 

My Credit score has dropped XXXX points ( No outstanding Credit. ) I even have a letter from XXXX XXXX stating they have corrected this XX/XX/XXXX. They purchased it XX/XX/XXXX. According to All the Credit Bureaus it has not happened. They are still reporting my Mortgage paid off and with NY XXXX XXXX. 

I have contacted XXXX XXXX over 11 times since XX/XX/XXXX. I even have a direct line to Customer Service Escalations and he is no longer answering. I have contacted the VP of customer Service - NO RESPONSE Equifax even had my residence as one I had not lived at for 4 years.