23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX I received an encrypted email from Hunter Warfield stating I owed an alleged debt. 

XXXX I received a call from Hunter Warfield Debt Collector stating I owe the debt. At that time I requested by email that they provide with written documentation via mail to verify the debt.I also sent an email requesting this information as well. I also provided a screenshot of the documentation from the Property Manager XXXX XXXX with XXXX XXXX ( alleged original debtor ) who stated her and her regional manager ( RM ) approved that everything was zeroed out and voided approved by both of them, however the owner decided to put it back up after I was told that everything was voided. The lady I spoke with told me that they would be sending information over to original debtor based off what information I provided and that they would follow up with me via email. 

XXXX I sent a certified letter to Hunter Warfield requesting in writing that I receive written documentation of the debt along with other information important to the claim. Letter was sent with signature drop off. 

XXXX Certified letter was received by Hunter Warfield and was signed off by H Hunter as the person who signed for the letter. 

XXXX I receive an encrypted email again alleging I owe this debt. 

I never have received a written notice sent to me via Postal mail within 10 days of first contact. I also never received any verification once I sent the letter of request and it was received. I have sent an additional letter via certified mail as of XX/XX/2020 to request the information once again. 

I have also attached all information from the original debtor using scare tactics to get me to pay them for this alleged debt stating they would not be responsible for possible threats, harassment or illegal practices done to myself, my family or my place of employment. This has scared both myself and my family to know this could happen. I have attached information for them as well to get this resolved.
Product: Checking or savings account

My bank account balance has not been updated in o ver 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX  and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX XXXX XXXX false statements made on behalf of XXXX and fake letters they said they sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name on XXXX is XXXX XXXX XXXX XXXX, Account Name on TransUnion is XXXX XXXX XXXX , Account Name on XXXX is XXXX XXXX XXXX ... . Account Number on XXXX is XXXX, Account Number on TransUnion is XXXXXXXXXXXXXXXX, and Account Number on XXXX is XXXX ... XXXX 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # all of the ones above, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX and XXXX   separately more than once to resolve this issue. They have all ignore ma and sent an updated report with updated account on it but have never given me a source of where the account is coming from. No names, dates or employee information on how this is being provided to be on my report. 

I also did notify XXXX XXXX and never received much information only said that is mine FTC COMPLAINT XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a error reporting on my credit report from XXXX XXXX XXXX open XX/XX/2021 for {$1600.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX. tried disputing this but came back as verified
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and XXXX XXXX accounts on my credit reports should be listed as paid, however they are being listed as charge offs. I have contacted the credit bureaus to resolve this issue however the issue still hasnt been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed so many items that should be off my credit file I submitted on XX/XX/2023 and XX/XX/2023 and both times they done no investigation and sent the dispute back less then XXXX hours there is no way equifax done a investigation they ask you to send all kind of documents and that I done but I was told its still up to the creditors to make that decision everything is done by what a computer says the dispute number is XXXX XXXX so tried of going through this please help me by investigating and get my credit report correct
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

On numerous occasions, since XX/XX/2022, the TransUnion Credit Freeze page takes my personal information. When trying to proceed, the next page says : We are sorry, but we are unable to fulfill your request at this time. 
What to do now : If the problem persists, please contact our Website Access Support team at XXXX, available Monday through Friday : XXXX XXXX  to XXXX XXXX, and Saturday through Sunday : XXXX XXXX. to XXXX XXXX. Eastern Standard Time. 

Calling the telephone number, the person says they're system is working just fine. No problems. 

Tried again today, XX/XX/2022. Again, same message. 

There is no other way to contact TransUnion.
Product: Credit reporting or other personal consumer reports

I am contacting you because of an Identity theft issue on my credit file regarding XXXX  XXXX, on XX/XX/2021, I had XXXX XXXX, and it seems that on XX/XX/XXXX, XXXX application was done for XXXX  XXXX, and I was in XXXX. this account has become a charge-off on my credit file and is damaging my credit. I am attaching a FTC report along with my ID and other Identity Information. I would greatly appreciate if this item is removed from my file. 


Thank you XXXX XXXX XXXX.
Product: Checking or savings account

Over the last year I have lost approximately {$3000.00} to fraudulent use of my Wells Fargo Debit Card. I have initiated three separate investigations and ordered three new debit cards and each one has been hacked and money stolen. Each investigation has concluded that no fraud is involved and basically I am a liar and a thief. The last debit card was shipped to me at the end of XXXX this year. I changed my user name, password and PIN number. Yesterday at XXXX someone attempted to withdraw {$21.00} from my account from an ATM three hours from where I live. Fortunately I have my card turned off so the transaction was denied. I called Wells Fargo yesterday and they were apologetic but they still stand by the results of their investigation that I am the one responsible. I am a senior citizen supporting my XXXX wife on my Social Security check. I dont know where to turn or what to do. Please help.
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 has 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 Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, 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 XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I'm filling this complaint of behalf of Equifax, I have tried couple of times now for 8 years to get my file fix. I keep calling oca to get my file fixed spend hours on the phone and keep getting told that ticket has been open and it has been up please wait 7-10 then told 3-5 days my file gets fixed for maybe few months and then i'm not able to pull my report nor am I able to get a lendor to pull my report saying error not able to pull, I waste so much time on the phone trying to get this matter fixed i'm so tired of sitting on the phone and get nothing fixed and have to agrue with people to get things fix I might get someone that's willing to help me and they get it fixed for maybe 3 days and then my the same issue again I advised Equifax i'm going reach out to seek legal actions. I also pay for a product not able to pull and I can't do a dispute on my file. I will upload the photos to show this matter if possible on next screen. I was told also I have different file and it's hindering me from getting credit from lendors or my rights to credit. I should have to do this for 8 years since I was XXXX  years of age. I haven't able to access credit because of this matter. Please help me!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

experain has humiliated me over and over again. i have disputed and provided police reports and i was told that my accurate police report was a fake. i asked the company did they call and they advised me that they didnt called they just feel its fake. i was so enraged. 

i advised them the bankruptcies on my credit were not reported by the courts and they had different addresses on them. i provided documents from the courts and nothing no reponse
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 and confidentiality under 15 USC 1681. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) 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 a account without my written instructions.
Product: Payday loan

I took out a payday loan from spotloan for 700 $ on XXXX. I received the money deposited into my account. I didnt keep the contract but I am pretty sure it was {$230.00} for six month. On the XX/XX/XXXX I made a XXXX dollar payment which was withdrawn from my checking account. I called late XXXX and said I cant make the XXXX payment. They said OK. They would add money on to my next XXXX payments and the payments would be XXXX. I got a letter as follows, which shows they are ok with payment plan. 

Hi XXXX, I just want to remind you that your Spotloan payment of {$300.00} is scheduled for Thursday, XXXX XXXX 2015. Please let me know right away if you have any questions. 

Spotfully, XXXXRelationship ManagerXXXXXXXXXXXX ext. XXXXIf you have any questions about your account, please email us at XXXXXXXXXXXX or call us at XXXX. If you would like to write us, you may contact us at : SpotloanXXXXXXXX XXXX, IL XXXX Spot loan withdrew money from my account on XXXX and XXXX for {$300.00}. On XXXX i received a letter from spot loan as follows. 
Dear XXXX, We are writing to let you know that Spotloan is no longer operating in the state of Colorado. As a result, your account and payment history have been transferred to XXXX XXXX. You will continue with the payment schedule you agreed to when you accepted a Spotloan, but moving forward you will be making payments to XXXX XXXX. 

If you have questions now or in the future, please reach out to XXXX XXXX at ( XXXX ) XXXX. 

Thank you for being a Spotloan customer. 

Sincerely, Spotloan Help TeamSo in XXXX XXXX financial tried to withdraw XXXX or something close to that and the funds were not available. I made a payment on XXXX for XXXX and XXXX for XXXX to make up for the XXXX to XXXX XXXX. I have not made a payment for XXXX and do not feel that I owe any more money. I was not give the opportunity to pay the loan off early after XXXX and easily paid XXXX the amount of money. XXXX XXXX claims that I owe an XXXX, XXXX and XXXX payment. I did contact both XXXX XXXX and spotloan which got me nowhere and was hung up on.
Product: Credit card

I had XXXX fraudulent charges on my Bank of America Visa on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX were for XXXX, XXXX for XXXX. I contacted Bank of America to have these removed from my account on XX/XX/XXXX. They said they would remove them from my account, but I was unhappy with the customer service and canceled my credit card with them. I paid the remainder of my account balance, but Bank of America continued to bill me for the fraudulent charges. They started adding late fees to the balance as well as charging interest on the fraudulent charges. My balance should be XXXX. Product_Or_Service : Credit Card Visa Account_Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my Experian credit report that there were XXXX collection accounts that were reporting inaccurate information and so I requested an investigation. After they investigated, they did not correct the error. The accounts are as follows .... XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX, {$8400.00} XXXX XXXX XXXX, XX/XX/XXXX, {$790.00}
Product: Credit card

Called Ulta at XXXX on XX/XX/24 regarding my rewards points as they were not showing up in my Ulta account to be redeemed. These were purchases from companies outside of Ulta using their Ulta XXXX XXXX issue by Comenity Bank where for every {$3.00} spent outside of Ulta I would receive XXXX point. 
The representative told me they would be deposited at the close of the billing cycle on XX/XX/24. They were never deposited. 
Called Ulta again on XX/XX/24 regarding same issue as points are still not posting to my Ulta rewards account. Got the runaround again saying they will be posted at the close of this billing cycle in XXXX. I spoke to XXXX supervisors and sent an email at their request to XXXX with a copy of my statement showing all of my transactions. Eventually after asking for a XXXX supervisor they put me on hold and I waited for an hour and a half for someone to take my call which was never answered. I waited for so long the auto music stopped playing. 
As of today XX/XX/24 I have not been credited for ANY points using my Ulta XXXX XXXX. 
I am VERY disappointed in their lack of customer service. It's like pulling teeth to find any information out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX and TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.
Product: Credit card or prepaid card

I was locked out of my email account last XX/XX/2022 and have been unable to contact XXXX after several attempts to gain access to my XXXX Email account. I have also contacted SYNCB because they have been billing me for charges made on the XXXX account on a PayPal Credit account. This problem has been occurring since XX/XX/2022, PayPal, SYNCB and XXXX have been notified of the problem and some problems have been addressed, however the charges continue and SYNCB continues charge me for late payments to a non-existent and unauthorized charges on this PayPal account. Please attached.
Product: Debt collection

Every week for the last two months or so I get a robocall from Harris & Harris Ltd., a debt collection company. The phone number they leave is XXXX XXXX. Since I have no debt and a credit rating above 800, I find this very annoying. I noticed on the internet that other people have been similarly harassed. I would like them to put a stop to this harassment. Please help. 

XXXX XXXX
Product: Credit card or prepaid card

I just received an email from Chase Bank regarding my Chase Amazon Visa Card. They are updating their terms to roll in a new 'Penalty APR ' of up to 30 % if you are unable to pay the minimum balance due - this goes into effect on XX/XX/2021. Previously the maximum APR was 23.74 % I believe ( I got the agreement off your website, Chase does not make it available online ). 

They are also expanding the definition of a cash advance to apply to many different types of cash transfers that will impact a lot of people negatively. 

Seems like a way for Chase to capitalize on people struggling to make ends meet during the pandemic. I am very concerned about the effect this is going to have on people who have been less fortunate during these difficult times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion and submitted FTC reports along with creditors letters supporting the removal of these unauthorized inquiries. 
I have not heard from TransUnion nor has my credit file been updated.
Product: Debt collection

On or about XX/XX/XXXX, and XX/XX/XXXX, I dispute the charge-off account CREDIT COLLECTION SERVICE for the following reasons : After reviewing my credit report, I have identified discrepancies that I would like to dispute. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as a consumer I have a right to question the inaccuracies of my credit report and to dispute any information on their credit reports that are believed as inaccurate, incomplete, or outdated. I requested that CREDIT COLLECTION SERVICE investigate this charge-off account and verify its accuracy.

I formally requested an investigation into the inaccuracies concerning the above account with CREDIT COLLECTION SERVICE, with proof of my signature on any documents or agreements related to the account, including but not limited to contracts, applications, or authorization forms, and requested that CREDIT COLLECTION SERVICE to correct or remove the erroneous information from my credit report as soon as possible. As a recipient of public assistance, maintaining an accurate credit report is crucial for my financial stability and well-being. 

Since CREDIT COLLECTION SERVICE was unable to verify the accuracy of the charge-off account within 30 days, I requested that CREDIT COLLECTION SERVICE remove it from my credit report as required by law. 

CREDIT COLLECTION SERVICE has refused to remove this from my credit report, and has not fulfilled my investigation request by providing me with the above request as a consumer by law. 

I am requesting that CFPB take further investigative actions into this matter with CREDIT COLLECTION SERVICE. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the results of your investigation and the resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Chime online bank refuses to refund unauthorized transactions through XXXX XXXX on my account even with a police report and evidence chime completely miss handled my report an denied my claim and after XXXX deposited into my XXXX {$80.00}. XXXX {$300.00} XXXX {$140.00}. XXXX {$250.00} XXXX {$620.00} Even after filling police report and giving name, birthday of fraudsters i was denied my XXXX ever fraudulent claim
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I found inaccurate late payment records. These errors dont align with my established payment pattern. Please resolve this and update my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX