23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern : When applying to two apartments I received two notices saying I could not be approved due to a debt I owed an apartment complex. Upon further investigation ( and wasting hundreds of dollars applying to apartments ) I found out the Owner of the Rental Property was XXXX. I tried to reach out to XXXX and they informed me they could tell me nothing of the matter? I tried repeatedly and they finally referred me to a Company Called Hunter Warfield. They said they had sold " debt '' to them. 
I finally got ahold of Hunter Warfield. They told me I owed XXXX {$4800.00} in rent and fees and that I owed them {$800.00} in interest. I am not sure how they worded it but they said something of the nature that they themselves would be pressing charges or that XXXX would be if I did not pay them in a timely fashion. This was after I told the representative at Hunter Warfield I would prefer to communicate by email rather than phone. I paid my rent on time before leaving and even informed the manager there that due to a work-live-in situation I would be exiting the lease. I let him know this weeks before the start of the new month XXXX XX/XX/2018 ). 
There was another individual on the lease as well, XXXX XXXX. About the same time I was going to leave for my live-in-work he was given orders to move back into Housing on the Naval Base. By the looks of the balance they did not search for a renter to fill our apartment till months after we left. In addition due to the size of balance it seems that they allocated its entirety to me and not the other individual on the lease? I have since tried to email Hunter Warfield and have gotten no response. 
If you could help me resolve this issue I would be very appreciative. 
Sincerely, Renter
Product: Credit reporting, credit repair services, 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. 

FOR XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not removed negative information about my bankruptcy. I 've contacted XXXX on multiple accounts without it being removed. Due to the new law issued XXXX XXXX states that improper or negative and or personal information can not be displayed on my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S.C. 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy '' XXXX and Experian are consumer reporting agency and I, XXXX XXXX, I am the consumer. I have the XXXX to make sure my private information isn't shared which is backed by 15 U.S.C. 6801 which states " It is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer 's non-public personal information. XXXX, XXXX XXXX , and XXXX XXXX are all financial institution by definition under this Title. 15 U.S.C. XXXX section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and No other : in accordance with the Written instructions of the consumer to whom it relates. '' I can tell you that I never gave XXXX, XXXX XXXX , and XXXX  XXXX any my consent to furnish Any information and the consumer reporting agencies XXXX, and Experian do not have my consent to furnish this information and they surely don't have any written consent. Any and All consent to XXXX, XXXX XXXX , and XXXX  XXXX whether it be verbal, nonverbal, written, implied, or otherwise is Revoked. 15 U.S.C. 6802 ( b ) ( c ) states the " A financial institution may not disclose non-public personal information to a non-affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option. '' XXXX, XXXX XXXX , and XXXX XXXX never informed me of Any Right to exercise my non-disclosure option. Not only that U.S.C. 1681 ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other that records convictions of crimes which antedates the report by more than XXXX years. These accounts are not items that are not proper things to be reported, and against the law to be reporting. 15 U.S. Code- 1681s- 2 ( A ) ( 1 ) A 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 U.S.C. section 1681 e states, Every consumer agency shall maintain reasonable procedures designated to avoid violations of section 1681 c of this Title and to limit the furnishing of consumer reports to the purpose listed under section 1681 b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR section 1016.7 State that " A consumer may exercise the right to Opt out at any time. I am opting out of there reporting services because they have indeed been furnishing information that is against the law to report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX, XXXX # XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The company has reported that I have a collection account with them that was opened XXXX XXXX, 2013 ; however, at that time I did not live at a residence that had power in my name. I have repeatedly asked for verification of this debt, but none has been provided.
Product: Credit reporting or other personal consumer reports

My social security number was used to open a auto loan. It was identity theft
Product: Checking or savings account

The bank robbery me a check of XXXX dollars more XXXX charged back fee. 
They are kidding with me, the check is from XXXX XXXX, it is not a bad check. 
I would like XXXX more XXXX dollars return to my account. 

account number XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

When the company calls, there is a recording trying to sell me something ( I think it's an extended warranty on a car that I haven't had in 4 years ). 

Company Name is Portfolio Recovery : XXXX Most of the time they hang up without the recording. Call using various other numbers as well.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX. This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists. Credit account # XXXX open at XXXX XXXX  on XX/XX/XXXX. Credit card account # XXXX open at XXXXXXXX XXXX XXXX XXXX open XX/XX/XXXX. loan account # XXXX open at XXXXXXXX XXXX on XX/XX/XXXX. Loan account # XXXX Open at XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$400.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX
Product: Debt collection

I called the original creditor and all three bureaus on XX/XX/2021 and XX/XX/2021 no one is helping me
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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. 


( XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX 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: Vehicle loan or lease

Hello, I received a " pre-approved '' offer for carvana on XXXX XXXX. Carvana required that you created an account to look at the offer, after I created an account and looked at the offer I requested carvana delete my account. Carvana refused to delete my account and stated they are unable to delete accounts because of federal law and never specified what law prevented them from deleting my account. Carvana acknowledges that it sells information and markets information from it's account holders to other companies. 

It is highly irregular for a company to refuse to delete your account including accounts used to apply for credit. I have never been denied a request to delete my account or information. It appears carvana is harvesting user 's accounts and selling their information, profiting of it while denying them the ability to delete their account. Carvana is without my consent retaining my account and they have no legal authority to do so. 

CFPB should investigate carvana for their wide-spread practice of abusing customer 's information for commercial purposes under the guise of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit reports that there is a collection on it that does not belong to me as a result of fraud or identity theft. XXXX, XXXX account number : XXXX is the collection agency. They are reporting that I owe XXXX dollars. The credit reporting agency TransUnion is allowing the fraudulent information to be reported after I have contacted them and verified that I do not have or never had an account with XXXX, XXXX. It is illegal to report inaccurate information. The account is not mine.
Product: Money transfer, virtual currency, or money service

Found individual who posted XXXX XXXX tickets vs XXXX XXXX for Thursday XX/XX/2019. Invididual mentioned they were unable to attend due to work and that tickets would be transferred via XXXX. I asked for a screenshot of tickets and they did. They originally suggested XXXX to transfer money but XXXX was saying an error would occur when attempting to send so we switched to XXXX XXXX. As soon as they received the money ( {$280.00} ) via XXXX XXXX  they stopped writing back and picking up the phone. 

I contacted XXXX XXXX  today who said since the transaction was complete ( scammer auto accepts payments ), there was nothing they could do and suggested I contact the scammer back for a refund. They mentioned that they monitor users accounts daily for unusual activity, but yet can't accept a complaint or flag from my call to report to the account. The only other suggestion was to open a police report and they disclose information to them. I have a hard time believing they're doing their job when XXXX blocked the trans but XXXX XXXX easily accepted it. 
I then reached out to Bank of America who said I could dispute through the app and it would take over 30 days and there's not much that can be done.
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. 
XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX I have been trying to fix my credit, I sent out multiple letters to Experian but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681c ( c ).

and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers ' access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online
Product: Mortgage

We have been denied the opportunity to even apply for modification programs which will allow us to retain our home. Our first modification attempt was 8 years ago when we were told that we do not qualify as our loan was current. Then we had the loan go not current at the end of a 5 year high interst interest only ballon mortgage term in the height of the mortgae crisis to qualify for moertgage modification to be told that modification was not an option only foreclosure ( at this time no one was underwriting mortgages ). Since our first attempt, BB & T has rejected all modification applications as well as modification is not applicable to us and only offered us a short sale option as they claim that the loan is investor owned. 
But the FDIC research department tell us that BB & T owned the loan not investors. BB & T claims that they NEVER owned the loan and that it was ALWAYS owned by a trust that is owned by investors. Our records show that XXXX and then BB & T owned the loan. See attached documents : - 1 ) Letter from the FDIC ressearch department about ownersip of the loan 2 ) Court filings from BB & T saying that they bought the note through the FDIC receiversip from XXXX XXXX, not that BB & T is assuming the role of servicer of the note that is owned by someone else 3 ) Letter from BB & T saying that they never ever owned the note but a group of investors via a trust. 
Our records and that of the FDIC says that BB & T owns the loan which does not disqualify us to be able to apply for all BB & T inhouse and all federal modification programs. So we want to able to apply for all BB & T inhouse and all federal modification programs and have our application fairly considerred by BB & T. We have always lived in the house and have the income to qualify for these programs.
Product: Consumer Loan

my vehicle loan opened in XXXX XXXX. I have had insurance since I purchased the unit. Fifth third bank took it upon themselves to add insurance to my account anyway. Causing my monthly payment to almost double. They never contacted me prior to doing that. I contacted them XXXX/XXXX/XXXX, when i went online to make a payment and saw the amount due. The rep was able to contact XXXX and verify insurance and was supposed to refund the insurance. Today is XXXX/XXXX/XXXX, and my account still is not correct. I should be current and next payment due XXXX/XXXX/XXXX. I have attempted to contact them to resolve, but keep getting transferred around.
Product: Debt collection

I received a notice from XXXX XXXX regarding new account being reported to XXXX. I logged in and saw LVNV Funding LLC reported as Original Creditor on XX/XX/year> collection account for the amount of {$1500.00}. I have never received and notification in the mail regarding this company. I have never spoken to anyone from this company. I have never had any business with this company or signed any document pertaining to any associated business with this company. From what I searched on line about this company they have a slew of complaints and seem to be the ambulance chasers of the debt collection industry. I was reported with out any prior notification from this company.
Product: Money transfer, virtual currency, or money service

I am fillings 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 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 the actions
Product: Debt collection

I paid everything that I owed to the state. I checked my credit report and see that I owe {$120.00} however I was never sent a notice or contacted about this debt. It was just placed on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 have sent 3 dispute letters to this credit bureau in the past 3 months revolved unverified information being reported in my credit report. I asked for an investigation and for a method of verification for the unverified accounts being reported and the credit bureau has not provided me with that information and is still reporting those unverified erroneous accounts.