23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently noticed in XX/XX/XXXX that my experience credit report was changed, an unknown collection company, XXXX XXXX XXXX XXXX also known as XXXX XXXX Services was placed on my report as in collections. I disputed this with experience but I experian reported back as confirmed, no changes. I do not have any business with this collection company. I also have had no business or signed any contracts for XXXX XXXX XXXX which this collection company seems to be collecting for or possibly bought out of possible discharge or write off collection. I have never had an account with XXXX XXXX creditor for this associated account or have has any credit card with. I have never filled out a contract for a credit card of XXXX XXXX either to even be placed in collections! I had a credit card with XXXX XXXX bank back in XXXX that I closed, and paid off in settlement, paying less then owed to satisfy and close that account. A XXXX C form was filed as well. 
Somehow, this collections agency is now appearing on my credit report as being originally coming from XXXX XXXX that I never had a credit card with, or signed a credit application for. I believe that XXXX XXXX may have bought out XXXX bank and all its creditors as well as the customers accounts. Accounts like mine that were closed and paid in a settlement for less then owed and then closed are now being bought by collections companies, trying to illegally collect money from accounts that were settled from past banks. This is outrageous and is damaging my credit report as its on my credit report under collections and causing me additional unnecessarily stress and aggregation. This collection agency needs to immediately remove this collection information from my XXXX credit reports and immediately stop trying to collect money from a past creditor, XXXX XXXX who I did not have a credit card with or a contact.
Product: Debt collection

On XXXX MERCHANTS CREDIT GUIDE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

I am writing to file a complaint against Hunter Warfield for violations of the Fair Debt Collection Practices Act ( FDCPA ) regarding a debt collection attempt related to rental property. 

On XX/XX/XXXX, I received a letter from Hunter Warfield attempting to collect a debt on behalf of XXXX for {$4100.00}. This debt allegedly stems from a rental agreement that was terminated due to numerous violations of the lease agreement and failure to address essential maintenance issues, including but not limited to : Failure to provide adequate heating during freezing temperatures. 
Failure to address mold issues in the basement, despite my documented allergies.

Failure to respond to multiple maintenance requests in a timely manner. 
Failure to register the property as a rental, as required by local regulations. 

Additionally, I provided a XXXX move-out notice in XX/XX/XXXX, informing XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX of my intention to vacate the property in XX/XX/XXXX due to their ongoing failures to address these issues per the instructions of the town mayor at city hall as he stated they had not listed the property as a rental property. Despite my efforts to communicate and resolve the situation, I received no response from XXXX XXXX prior to XX/XX/XXXX. 

Furthermore, when I requested validation of the debt as permitted under the FDCPA, Hunter Warfield failed to provide adequate validation and instead stated in a letter that they would only respond to payment requests, in clear violation of the law. 

Based on these egregious violations of the FDCPA and the ongoing issues with my rental property, I respectfully request that the XXXX  investigate this matter and take appropriate action against Hunter Warfield. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Mortgage

I refuse to go back and forth, he said she said. This is my third complaint and I would like some issues addressed to determine if any CFPB rules were broken. I have attached two documents. One is a statement from NFCU and the only document I have received as to my denial of a VA loan and it 's in the form of an email. The other is a statement from XXXX XXXX from the VA disputing the statement from NFCU. Only XXXX is the truth. This issues that need to be addressed are from the response of NFCU in complaint # XXXX and are as follows1 : First of all I would like to know who I am addressing. There was no name attached to the response from complaint # XXXX or complaint # XXXX or complaint # XXXX or complaint # XXXX and if you are qualified to make decisions on my file and why did the loan officer that was handling my loan get fired. 
2 : As a requirment to report all loans to regulators, what reason did you use for my denial of the VA loan. Was it the same XXXX you gave me, that I did n't pay my last month 's rent. I do n't believe that is XXXX of the data points outlined in Regulation XXXX Especially after being pre-approved. 
3 : The high cost mortgage I was offered. Does it comply with regulations as set forth in Regulation XXXX after I locked in a rate of 4 % just 30 days prior. Why the high cost mortgage? according to my credit report I had no derogatory remarks, no missed payments on anything and my scores were XXXX and XXXX. I attached a copy of my credit report in complaint # XXXX : You stated that NFCU undertook extensive efforts to assist me, but a VA loan was not an option because of unsatisfactory verification of rent and a court judgement. Well I too took extensive efforts to prove that both landlords lied. Without going into lengthy explanations, I did send XXXX XXXX proof along with a satisfaction of lien from the court. I attached a copy of that in complaint # XXXX. So that was not an option to turn me down. Than you stated that NFCU contacted the VA and they confirmed that the loan was not eligible for a guarantee. Please provide proof of that contact. I do n't think you did. 
5 : You said you attempted to offer possible assistance, but the number you gave in complaint # XXXX is to a telemarketing company. I did call it for possible assistance. 
6 : I am going to have to include your the title company acting as your agent agent. XXXX XXXX. At closing, they failed to disclose anything to me. We just went through page by page with just a sign here. I did n't even know I had mortgage insurance. I am sure they followed all the regulations, but why was my wife added to the note when I distinctly said not too. She receives all correspondence from NFCU including late notices. My question is, did you report her as a co-applicant and if so, did you report her ethnicity as XXXX. 
If you can please address these issues I have I would appreciate it. I am sure the CFPB would be interested also.
Product: Debt collection

rent recovery solutions has my account for collections for an apartment that I never moved into even-though I signed a lease I never moved into the apartment let alone actually saw the apartment or even came to the apartment complex building and met anyone. all this was achieved via email and during covid-19. I was approved under false pretenses and I also made every attempt with the apartment company to resolve the signing of a lease and not actually taking possession of the unit. At this current time I am in XXXX  XXXX bankruptcy since XXXX, and I have told this company that even though this is a post petition debt they can't contact me due to my automatic stay until my bankruptcy is discharged. Since they've had my account they have repeatedly called several times a day from different numbers at all hours leaving voicemail messages since XXXX. The last time i was contacted by this company the representative used expletives and yelled and hung up in my face when I again advised that they weren't supposed to contacting me but could contact my lawyer. my complaint is for the violation under bankruptcy laws and for harassment and XXXX XXXX XXXX XXXX
Product: Mortgage

This is a copy to the letter I sent to the bank last week. 

Dear XXXX XXXX, I understand you are the General Counsel and SVP TD Bank U.S. TDBNA. 

I wanted to make you aware of several conversions I have had over the past XXXX to 9 months with your customer service team regarding charges to my escrow account and charges for Force Placed insurance on loan number XXXX. This was a single close construction loan in the state of FL and has converted to a standard 30 year mortgage. I am sure your CS team will have all the telephone recordings as well as the noted in your files. 

I receive a call from someone senior at the bank a few weeks ago who finally understood the issue and the fact that the required notices under CPFB 1024.37 was not provided in a timely manner. I failed to get her name or contact information and I can not locate her at this point. She said that she would be following up and getting back to me in a few days but that has not happened as of today. This process has been dragging on for several months now. This is not a great deal of money for me but it is the principle of that the bank has not following CBFP procedure and continues not deal in good faith with it's clients that has be concerned. If someone at the bank would have made a simple call, or sent a letter ( notice ), when they received my new homeowners policy at the time of conversion this could have been completely avoided. I believe if the this goes unresolved it could become both a CPFB and UDAP concern and I no desire to move in that direction. 

The property was always covered with the required homeowners insurance however as you can see there was a misunderstanding regarding an ongoing requirement for Wind coverage occurred when the loan was converted from a construction loan to a mortgage and the Builders Risk Insurance was converted to Homeowners Insurance. The details and dates are in your files so I will not go through them again here. I am sure the person that contacted me several weeks ago have all the detail in one place. I don't think we have any disagreement on the dates it details at this point.

The bottom line for me is that within several days of receiving your actual notice I updated the policy to provide the missing wind coverage. I was out of the county for about a month, so I recall that I receive two notices in my box upon my return so I may of acted on the second notice. The notice was so late that my insurance company would not back date the coverage for Wind coverage this the prior period between the policy change to the date of the notice provision. 

I want someone to complete the review and reverse the charge for any period of time the notice was not provided which I believe is somewhere between 6 and 9 months. The rate the bank had charged may also fail to comply with CPFB 1024.37 as it the 4x the actual cost of the insurance.

I appreciate your help with this matter and I look forward to your timely response. 

Best regards, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed my 1 st complaint ( Complaint ID XXXX ) with the CFPB stating the accounts on my credit report with the laws TRANSUNiON has violated. 

On XXXX XX/XX/year>, TRANSUNION responded with a VERIFIED AND ACCURATE response to my 1 st complaint *** XXXX XXXX *** On XXXX XX/XX/year>, I initiated my 2nd complaint with the CFPB ( Complaint ID XXXX ) asking TRANSUNION to send me their METHOD OF VERIFICATION used to deliver a VERIFIED AND ACCURATE response to my 2ND complaint with the CFPB. 

On XX/XX/year>, TRANSUNION responded again with a VERIFIED AND ACCURATE response. *** XXXX XXXX *** On XX/XX/year> I requested for the 2ND time for TRANSUNION to provide me with their METHOD OF VERIFICAION On XX/XX/year>, TRANSUNION has repsonded again with a VERIFIED/ACCURATE/UPDATED response. XXXX. 
Today XX/XX/year> I AM REQUESTING FOR THE 3RD TIME, for your METHOD OF VERIFICATION in accordance with FCRA 611 ( 15 U.S.C. 168i ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Once again, I am writing to request the method of verification for dispute initiated and the subsequent response received. 

The following accounts remain on my credit report, and they should be deleted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion why have you not followed procedure in providing me with the original contract proving this account belongs to me???
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX I have filed a number of disputes regarding my students loans on the experian credit report. Ive also contacted XXXX  XXXX XXXX regarding this issue and theyve reported in writing that there arent any disputes in their systems on my account. The initial dispute was filed to get the payment amounts updated. Once this information was updated correctly I was informed by a CSR that I would need to file another dispute to requesting the removal of the dispute language found in the comments/remarks section of my credit report. The dispute language has continually caused me to be denied for home loans resulting in more inquiries on my report. I have contacted Experian several times and they cant seem to solve this issue properly. I need this information corrected so that I wont be denied again.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XX/XX/year>XXXX XXXX XXXX  XXXX XX/XX/year>, XXXX XXXX XX/XX/year>. Please remove these fraudulent inquiries from my credit report.
Product: Debt collection

Diversified Consultants is a Debt Collector who buys debts. Allegedly, XXXX XXXX XXXX sold them an account with my name for old services I use to have through XXXX XXXX XXXX. The account, XXXX, was early terminated by myself for lack of services and breach of agreement with XXXX XXXX XXXX. So, I paid XXXX XXXX XXXX directly, a copy of that payment is included in this complaint. THis payment was not a settlement, was nothing short of paid in full for early termination of services, home security services to be exact. I disputed the first letter I received from Diversified because they had the account labeled as a " wireless '' account from XXXX XXXX XXXX. My " wireless '' account from XXXX XXXX XXXX is my cellphones, which are direct debited monthly from my company XXXX card. When I spoke to XXXX XXXX XXXX about my wireless account, the representative verified that my " wireless '' account has never been late and always paid on time by the auto debit to my credit card. Diversified NEVER responded to my dispute, simply moved forward with " verifying '' the debt and posting it to my credit report. XXXX XXXX XXXX claimed they never sold a debt to Diversified for my " wireless '' account. XXXX XXXX XXXX verified payment over the phone for the paid in full early termination fees on the home security services. Diversified, and possibly XXXX XXXX XXXX, violated my FCRA and FDCPA rights and their laws in XXXX ways. First, there was no true or verifiable PROOF of Diversified Consultants " Verification of debt '' as requested by myself. After that violation, they moved forward with reporting to the CRA 's and damaging my credit. XXXX XXXX XXXX representatives were just as confused by the labeling of the account as " wireless ''. Not until I spoke to a manager, AFTER writing to Diversified about the mistake and the dispute, that a manager said the home security services are labeled " wireless ''. The manager apologized for the confusion, however, that confusion led to this mess. Again, XXXX XXXX XXXX 's irresponsibility and negligence have cost me time and money and stress.
Product: Debt collection

I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX  XXXX XXXX last reported XX/XX/2021 in the amount of {$320.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both XXXX XXXX XXXX individually and have not received any reply back
Product: Credit reporting

I had a case opened with Transunion here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XXXX and XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX XXXX has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX XXXX, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. '' XXXX
Product: Credit card

This is actual and constructive notice of unauthorized use of credit card by Discover Bank. Please see attached notice.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed and have a XXXX  police report for identity theft, and contacted indiana general attorney office because On my credit report appears my current address on XXXXXXXX Texas addressees I never lived, accounts I never requested, employment sites I never worked, any other names I never used, phone numbers I never had before, and im a identity theft victim some one is is using my identity on XXXX tx, and I never lived over there, im scary I hope yall can help me about that When I requested a credit report I seen all information dont belong to me and also on my credit report appears a high income I never had in all my life Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

this second complaint is a different account ( HELOC ) NOT a duplicate complaint -- -- Over the past year or more!! I have been trying to get TransUnion to remove due to false information of mortgage accounts that is fraud with many complaints some on this site. Now in light of this recent case SUPREME COURT OF THE UNITED STATES No. 20297 TRANSUNION LLC, PETITIONER v. SERGIO L. RAMIREZ ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF etc.. I am requesting that Trans Union Remove from my credit reports as well as inform XXXX and XXXX  this fraudulent account to improve my credit scores and increase accuracy of it's reporting to avoid my having to sue Trans Union for false reporting. Please see the attached showing that XXXX does not have standing and never had any rights to bill me for the 16 yrs it has been collecting on this fraudulent account. This account was XXXX XXXX then FDIC then XXXX XXXX XXXX XXXX, this means that since it was sold the " debt '' is no longer secured and no standing to foreclose or collect on it. see attached.
Product: Money transfer, virtual currency, or money service

I 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.