23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Under the FDCPA -The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p - '' The FDCPA prohibits debt collectors from making false statements about the character, amount, or legal status of your debt '' Hunter Warfield , Inc. have repeatedly REFUSED to provide legal status or verify this debt despite repeated requests. 
I moved out of XXXX XXXX XXXX after refusing to be strong-armed into paying an additional {$600.00} in " Late Fees '' as it was not in my legal lease ( copy of the lease is still in my possession ). I have written XXXX XXXX who continues to state they have no knowledge of the amount that is being pursued on their behalf by Hunter Warfield.

When redirected to Hunter Warfield, they are consistently refusing to remove the debt while violating the FDCPA by NOT BEING ABLE TO PROVIDE " details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent or any legal documentation that I owe this debt. '' In addition, they have yet to forward details about their authority to collect this debt : whether they are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. 
Lastly, since they are contacting me from outside my state they have not provided the licensing information from their state. In reading reviews across the web, denial and deflecting are their trademark behaviors. They do not provide proof as they do not have any legal legitimate proof of the debts for which they are collecting. It is their business practice to strong arm consumers into paying debt for amounts they clearly do not owe. 

It is time to stop this unlawful practice and hold Hunter Wakefield accountable. 
Thank you!
Product: Money transfer, virtual currency, or money service

I did a cash out with Cash App for {$300.00} on XXXX XXXX, 2023 to my bank. Cash app instead deposited the money to a debit card that I do not own. I have gone back and forth with their customer support team several times with no success. I even went through their management dept. with no success. How that debit card got attached to my cash app account I do not know. My cash out history shows that for years my cash outs have gone to only one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9500.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}
Product: Debt collection

This company is reporting to my credit report twice for the same debt. ( see attached ). This is a violation of FCRA and the Texas Finance Code 392.

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Debt collection

This company XXXX XXXX is placing damaging collection information on my credit reports without any paperwork from them or the original creditor ... I use credit monitoring so it alerted that I owed a balance to XXXX  which Im assuming is a daycare attached to one my son attended. I dont owe any daycare money as I have been on public assistance for daycare vouchers with the State of Ohio and up until about XXXX or XX/XX/2018 did not have a copay which means I owe them nothing. They need to validate this debt and remove it or any and all available options that apply under FCRA will be taken
Product: Mortgage

I'd like to sell my house which is currently under the HAMP mortgage program. It's been over 3 years since this mortgage was established. I'm current on all payment and have an good track record with the mortgage company XXXX XXXX XXXX based in Colorado. I owe more on the house than what I can sell if for. I was told when I received the new HAMP mortgage from XXXX ( they subsequently sold it to Statebridge ) that the deferred principle would be forgiven. I discovered this two week ago when I asked for a " payoff '' document. The payoff document said I still owed the entire amount of the XXXX redo mortgage. Statebridge is not responding to my last two email request. Below is information on the PRA statuteCan you help me? - Thank you - XXXX XXXX How the PRA Program Works PRA is a deferred principal reduction program that allows a borrower to earn the principal reduction ( the PRA Forbearance Amount ) over three years. Over the three-year period, one-third of the PRA Forbearance Amount will be forgiven each year ( on the anniversary of the borrower 's first trial modification payment ) until the entire amount is forgiven, as long as the borrower remains in good standing. In this manner, the entire PRA Forbearance Amount is eventually reduced to XXXX. ( If a borrower loses good standing, any reduction in principal that has not already been forgiven is considered a non-interest bearing principal forbearance for the remaining life of the loan which becomes due when the borrower sells, refinances, or at the end of the loan term. ) Borrowers who receive a principal reduction under PRA should consult a tax profession to discuss potential tax implications related to the principal forgiveness.given principle. I recently found a stipulation in HAMP loans.
Product: Debt collection

Portfolio recovery services calls me at least 20 times a day I get calls from New York, Virginia, Minnesota and many other states. Many times when I answer these calls there is noone on the line and it will disconnect when I xall the numbers back it is an automated system for PRS yes I have record of all calls. They dont leave messages and becausr it is typically automated machines there is noone to speak with. I cant believe that these companies are just allowed to do whatever they feel and their is no protection for the consumer. I cant clear a debt when you constantly call from automated machines, and fail to send any documentation to me in the mail. This is ridiculous and needs to stop.
Product: Debt collection

A debt from Guardian Capital Management for an account placed by XXXX XXXX XXXX is demanding the amount of {$4100.00} dollars. The XXXX XXXX XXXX XXXX a housing capacity for student in the state of XXXX I was a student and I held a room there at the XXXX XXXX XXXX but one night an altercation with the room mates led to them calling the police. When the police arrived I was forced to leave. I returned the next afternoon only to be allowed to remove my belonging from the room and told that if I returned I will be considered trespassing and they would call the law to arrest. I never returned but signed out my lease because I had to return the keys. There was a one month security deposit they held and now they want me to pay for the months I did not stay in the lease. This is three or 4 months of rent they are trying to collect but I did not stay with the lease. A police report was filed on the day of the altercation. 

Please advise. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or before XX/XX/2020, Equifax incorrectly assigned personal information and credit history information that belonged to a " XXXX XXXX ''. Mr. XXXX had numerous open credit accounts that were overdue and unpaid for, affecting my credit score. It should be noted that XXXX and XXXX did not report or associate this information with me. 
In XX/XX/2020, I had to purchase a vehicle and was denied by multiple lending agencies for having 'bad ' credit, which I was confused by ( never missed payments, kept credit utilization low ). Had to take a loan with a higher interest rate which has cost me additional money. 

After the first dispute, Equifax removed the wrongly associate name and addresses of " XXXX XXXX '' but kept one of his open credit accounts. I have attempted to dispute this claim and Equifa
x refuses to take it off my credit report, affecting any opportunity of getting another loan or credit card, while costing me thousands in interest.

I have contacted the credit lending agency, XXXX XXXX and they have told me that there has never been and is not any open accounts using my personal information.
Product: Credit reporting

My name is XXXX XXXX XXXX am very frustrated with Equifax, I 'm trying to fix my credit report more than XXXX weeks ago, I send them social sec, drivers license, and utility bill, they confirm me the change of address and when I make a credit report update the old address appears again and every day I have to call and they tell me lies and I feel discriminated .They not fix my address and they made me split file from my credit report because they say this very long and then my new credit accounts do not report them because there is no space. That is not right, please help me to fix my credit report ..I have read many complaints about Equifax be doing split file to many people, please I want just one normal credit report with all my new credit accounts. Thank You
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. 
XXXX XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxx XXXX, has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX, has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX xxxxxxxxxxxxx XXXX, has violated my rights 15 U.S.C . 1681 section 602 A, states I have a right to pricacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Request for validation of debt ; pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. - company provided Then Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. - not provided Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.- not honored Send me proof that you are licensed to collect debt in my state. - not provided Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. - not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is still on my credit report and I'm no longer a authorize user to that account and Iam not financially responsible.
Product: Money transfer, virtual currency, or money service

I am tryin to transfer money from my PNC bank acct to XXXX to trade stocks.
Product: Debt collection

I disputed the debt online with XXXX  XX/XX/2019. 

I checked my credit today and reported it again through XXXX. I have no acknowledgment of this debt. Ive never received any information about it. Ive never opened an account through this company.
Product: Credit reporting or other personal consumer reports

I read that the equifax information of consumers was leaked. I wanted to see if my information was affected and how can I proceed with this further investigation.
Product: Mortgage

On XX/XX/XXXX we sent an offer to Round Point that met their requirements. Due to their EXTREMENE INCOMPETENCE we had to resend documents MULTIPLE TIMES. 

They claim the file was sent to their investor on XX/XX/XXXX. However they refuse to provide proof of that. Every time we call in, we get a different story. It has been OVER A MONTH since they claim they sent it to the investor yet they have no response. -- -- -- -- -- -- -- -- -THIS IS UNACCEPTABLE. -- -- -AT THIS POINT ROUND POINT IS WELL OUTSIDE OF INVESTOR GUIDELINES. -- -- -WE HAVE REQUESTED MULITPLE TIMES TO BE CALLED BACK BY MANAGEMENT AND NO ONE EVER CALLS BACK!!! 


-- -- -- At this point it is clear that Round Point is either INCOMPETENT or they are PURPOSELY DEFRAUDING THEIR INVESTOR AND CLIENT AND REFUSING TOP FOLLOW INVESTOR GUIDELINES to continue collecting servicing fees out of them. 


I want proof Round Point sent the offer to the investor and proof of when that happened. Since it seems Round Point is incapable of properly servicing their clients they should be shut down. This degree of INCOMPETENCE NEEDS TO STOP. 

-- I also attached the Authorization Letter which clearly shows I am an authorized third party, since that is likely to be the next 'false claim ' made by Round Point. -- -This complaint is being sent to the OAG.
Product: Student loan

I had Navient and the loans were discharged to me in 2006. I have gotten valid information that there was a multi state settlement reached for those serviced by this company. Navient Solutions had my loan transferred from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. They then had it and I have correspondence from them. I underwent a monthly payment program of consecutive payments, intended to help if successfully completed. 

I received a coupon book with the tear off portion, and I completed the number/cycle of payments successfully, but then things got confusing. There was a servicer transfer to XXXX, from Navient, as of current. This particular lawsuit against Navient, however, that several state Attorney Generals litigated for, and got compensation for is something that based on my circumstances, I am eligible for. 

However, to date, with trying to get to the right agency, there has been further confusion, because through all my efforts, I kept getting nowhere and where I'd contact would " pass the buck. '' I have correspondence from Navient that I can forward to demonstrate that I was under them before their transfer to another company. They were the ones under which they discharged the loans, and my account was overlooked and as such, I am requesting to be included in the lawsuit that was reached. I went to XXXX College, XXXX, Massachusetts and the loans were for that 4 year term. I would like to have the settlements benefits to its claimants based on my circumstances described in this lawsuit case that the states won. 

The fair outcome to my issue would be for my school loan and account to be the inclusion in the recent Navient settlement. I have corresponded inquiring about this settlement and this complaint is intended to have my case looked at, per the settlement. 

The name of my servicer was Navient, before it was transferred over, but want to be included in the lawsuit based on its merits/ details. I have contacted your servicer regarding this matter, and have reached out to the U.S. Department of Education regarding this issue, but to no avail. I would like your assistance on what steps to take, so that I'm able to be part of the litigation process that Navient was sued for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX does not belong. please remove XXXX XXXX XXXX from my address file As soon as possible. 

the only address that belongs is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I received two mails at the end of last month : 1. XXXX- for more documentations for the XXXX XXXX  that I never applied for dated XX/XX/XXXX. 2. American Express for same reason as above dated XXXX 

I contacted XXXX to freeze so no one can apply for credit cards or loans under my name. However, XXXX had the account made under my name also around the same time as the fraud tried to apply for the credit cards. This person has all my information including all the verified questions that only I should know because this person was able to create account with XXXX. I was also told that this person tried to apply for credit cards or loan with XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. There were 4 hard inquiries so far that I have found but there could be more on the way as I could not lock or freeze XXXX account. XXXX had the worst call representative that all said different things to me to handle the situation when the account was made by the fraud person.
Product: Credit reporting or other personal consumer reports

unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S.

Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent.

This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
4. Immediate notification to all major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.
Product: Checking or savings account

I opened an account with bank of america and funded it using my debit card from another bank in the amount of {$110.00}. The funding went fine then yesterday XX/XX/year> I get a notification from my app saying my balance is at XXXX. I logged into the account and see that a debit for {$110.00} with no information. I logged on today because I was told it would release by XXXX XXXX XXXX XXXX  and when I see the information on the debit I get confused and call the bank because what I see is this FUNDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. No one can tell me where it went and why it says XXXX XXXX. He is my husband and second account holder but still doesn't even have access to the account because his card is not active yet nor is his online banking nor does he have the account numbers yet so he did not transfer anything I know I opened his debit card and have it with me waiting to be able to activate it.