23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hereby dispute the accuracy of the account information on my Wells Fargo Auto Finance closed account as of XX/XX/2023. I believe that certain refunds related to warranty, maintenance, and other services are missing from my account, which is in violation of federal statutes, including the Fair Credit Reporting Act ( FCRA ). 


In regards to the total loss of my vehicle, which was financed through Wells Fargo Auto Finance. As part of my financial arrangement, I had purchased ancillary products, including extended warranties and maintenance plans, which should have entitled me to refunds or adjustments in the event of a total loss, in accordance with federal laws and regulations. 


Upon reviewing my account, I have identified discrepancies and missing refunds for the following products and services : Extended Warranty : According to federal regulations, refunds for unused portions of extended warranties should be provided in the event of a total loss. However, I have not received any information or refunds related to the extended warranty on my vehicle. 


Maintenance Plan : Similarly, federal statutes require that unused maintenance plan services be refunded in the event of a total loss. I have not received any communication or refunds related to the maintenance plan I had purchased. 


GAP Insurance : Additionally, I had purchased GAP insurance through Wells Fargo Auto Finance to cover any deficiency between the insurance settlement and the outstanding loan balance. I would like a complete and detailed breakdown of the XXXX insurance coverage and its application in my case. 


I kindly request that Wells Fargo Auto Finance thoroughly investigate these discrepancies and provide me with a detailed account of any refunds or adjustments owed to me as a result of the total loss of my vehicle. 


Furthermore, I expect that any inaccuracies or omissions in my credit report pertaining to this matter will be promptly corrected in accordance with the FCRA. Please provide written confirmation of the actions taken to address these issues and ensure that my credit report accurately reflects the status of my account. 


I appreciate your prompt attention to this matter and expect a timely response within the legally required period of 30 days.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX 2 account were placed on my credit report in the amounts of {$480.00} and {$160.00} and I was unaware of the debt owed and did not authorize the release of information for any prior or current providers and have requested documentation with signatures allowing the release of any information.
Product: Payday loan, title loan, or personal loan

Citizens Banks has engaged in a pattern and practice of lending consumers " overdraft '' lines of credit at exorbitant interest rates to its customers with no notice of such loans, and no prominent disclosure of the interest rate at which such loans are made. Citizens then lets the loans languish while the consumer has more than enough funds to pay the loans off. Citizens has been able to do this by encouraging the use of " paperless '' statements. In my personal experience this has happened on several occasions to the point where I finally cancelled the overdraft feature of my account in XXXX of XXXX. I was certain I had paid the full outstanding amount of any overdraft loan at that time, when approximately two years later I learned that I had yet another overdraft outstanding balance from XXXX. I have been caused to pay {$1000.00} on this {$2000.00} loan in the course of two years when I easily could have paid it off. I am on the phone now with Citizens Bank ( have been on hold for one hour ) and they are telling me that I have to GO TO A BRANCH to pay the overdraft loan when I have {$34000.00} in my account. I need to pay the {$2000.00} immediately because I am applying for a mortgage and will suffer irreparable harm if I am preventing from doing so. I believe Citizens is intentionally making the repayment of such amounts so they can continue to profit from the unfair, onerous interest amounts they charge consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX acct # XXXX {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX acct # {$2700.00} ( Original Creditor : XXXX XXXX ) or XXXX  XXXX XXXX acct # XXXX {$800.00} XXXX XXXX XXXX ACCT # XXXX {$330.00}
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. According section 604 OF THE FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1 B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, PLEASE DELETE ACCOUNT XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding this particular account in question : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance Owed : {$0.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed accounts. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the accounts must be promptly updated according to Section 1681i ( a ).
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX  XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXXXXXX Balance Owed : {$XXXX}
Product: Debt collection

I am writing to formally lodge a complaint against Hunter Warfield Inc. for their failure to adhere to the legal requirements set forth in various federal regulations and consumer protection laws. I believe that Hunter Warfield Inc. has engaged in improper debt collection practices, which have adversely affected my consumer rights. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Hunter Warfield Inc. has not provided me with the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection on my consumer report, which has negatively impacted my credit score and financial standing.

Denial of the Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given the opportunity to dispute the account in question in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of my right to dispute the debt has further exacerbated the situation and has left me without a clear avenue to address the inaccuracies.

Use of False, Misleading, and Deceptive Practices : Hunter Warfield Inc. has violated my consumer rights by using false, misleading, and deceptive means in their collection efforts. Their tactics have caused undue stress and confusion, and I believe they are not acting in good faith.

Unauthorized Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : The collection agency has furnished information about the alleged debt to consumer reporting agencies without providing me with any and all disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ).

In addition to the above complaints, I am formally disputing any and all debts that Hunter Warfield Inc. claims I owe. I hereby revoke all rights for Hunter Warfield Inc. to communicate with me through email, text, or phone calls. All future correspondence must be conducted in writing via postal mail.

Furthermore, I request that Hunter Warfield Inc. provide the following : A copy of the purchase agreement between them and the original creditor.

Proof that they are licensed and bonded to operate as a collection agency in the state of Florida.

Given these violations, I respectfully request that the Consumer Financial Protection Bureau investigate Hunter Warfield Inc. 's practices and take appropriate action to ensure they comply with federal laws and regulations. Additionally, I seek the removal of the incorrect collection entry from my consumer report and any other remedies that the CFPB deems necessary to rectify this situation.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

Please view the attached image. As of XX/XX/year>2024 Hunter Warfield Inc. is not licensed in the state of florida which makes debt collection illegal. Resource : https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm submitting this complaint without any influence from ant third party or agency. Please see attached documents and ID as it contain my full complaint and request.
Product: Debt collection

From or around XXXX thru XXXX my identity has been used by others who lived with me or family members that didn't live with me but knew my information, they used my personal info to receive credit, loans, items under my name. They used my computer, internet, phone, address, personal documents. They had access to all of this because I kept my files in my home fully accessible. I did not monitor my credit report on a timely basis, however some credit issues are just appearing that are dated years back. I'm being haunted with all these issues now.
Product: Checking or savings account

My company delivers direct despot via ACH to capital one on Wednesday, XX/XX/XXXX. Typically my deposit is available by Thursday following that and I received an email form Capital One Thursday late evening stating system issues were causing delays to deposits. They then on their XXXX account that the issues would be fixed by Friday morning, then went ghost and provided o updates. I then waited 3 hours to speak to a rep who had no updates, no ETA of a resolution and I have no access to my funds which my employer sent to them.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage was with  XXXX  then they sold to  Shellpoint,  after 30 days of working with Shellpoint they denied my loan modification, they have no grounds, gave me no explanation. I received a letter on  XXXX / XXXX /  XXXX   to appeal withing 30 days, today is  XXXX   XXXX  and my housing  counselor j ust found out that I have a sale date for  XXXX   XXXX ,   XXXX
Product: Checking or savings account

I am unable to access my funds after almost 3 months, I have sent more than 20 messages and tried to contact through different social networks, but no response. I can't use my savings and have lost money
Product: Mortgage

In XXXX I applied for a Making Homes Affordable modification. I was a victim of predatory lending. During this time I was with XXXX XXXX now XXXX XXXX XXXX. I received the Making Homes Affordable modification and the 2nd lien was charged off due to being a predatory loan. ( Bank fraud ). Then 10 years later SLS contacted me in early XXXX and stated I owed the an even larger loan placed me in to foreclosure. This happened at the same time my husband caught XXXX and became extremely sick. I also had to have 2 medical operations during this time. We are both elderly. XXXX & XXXX XXXX XXXX. 

We are unable to come up with upfront money that has been requested by SLS. We are requesting a modification to make monthly affordable payments. We want to avoid foreclosure and loose our home we have lived in over 20 years. Please review our modification package and help us save our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out two letters to this company stating that there was an hard inquiry on my credit report and need it be removed immediately. The company wrote with the same letter twice and said that XXXX XXXX XXXX XXXX  pulled my credit. I called XXXX XXXX XXXX XXXX and ask them to get it remove but no one is willing to remove the hard inquiry. I ask them for proof of my bearing signature of me signing any type of application with this company. 

Exeter date of inquiry : XXXX, XXXX XXXX XXXX date of inquiry : XXXX, XXXX XXXX date of inquiry : XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is reposting in my Equifax credit. I have requested information from the company. That I have not received. I believe this medical billing item is incorrect I would like to assert that the presence of this medical billing on my credit report violates my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). HIPAA mandates the protection of an individuals medical information, and it restricts the disclosure of such information without explicit consent from me. Therefore, the reporting of this item raises significant concerns regarding the disclosure of my private medical information and my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute with Transunion in XXXX over a debt that appeared to be inaccurate or completely false. They quickly 'validated ' this, but do not seem to have conducted any meaningful investigation. 

When I called the 'creditor ' ( XXXX XXXXXXXX XXXX XXXX ) they informed me it was for a debt with a company called XXXX XXXX They provided an address I didn't own, nor live in during the time period at which they allege I entered a contract, and couldnt have contracted services for as a result. 

They claim I entered a contract on XX/XX/XXXX for alarm services at XXXX XXXX XXXX XXXX in XXXX, AZ. I did not live at this address nor in this state on XX/XX/XXXX. A simple review of my credit report would show this information was at the very least not accurate. 

Further, they use a date of XXXX for the balance/account and when I called this creditor they mention the delinquency was from XX/XX/XXXX. It appears they are using a newer date in an effort to maximize the torment on folks they are preying on. 

I had issues with debt over 10 years ago and have been in a cycle of being preyed on through phone calls and emails from bogus debt collectors who trade on sold information, and this appears to be another case of this and I am tired of it particularly now as they try to tarnish the good name I have spent years trying to rebuild.
Product: Debt collection

On XXXX XXXX, XXXX my wife sent a letter to XXXX XXXX, stating that we were changing health insurance companies to the group policy that her employer offered. The new policy would become effective on XXXX XXXX, XXXX. XXXX XXXX apparently did not receive the letter, so we sent the letter 3 more times over the next few months. In XXXX of XXXX, I re-sent all of the documentation and another letter to XXXX XXXX, Certified Mail - Return Receipt Requested - see attached proof of delivery. Now XXXX XXXX has hired a debt collection agency and they are both claiming that XXXX XXXX never received my cancellation letter and that I owe them for 1 month of premium for coverage that I did not receive, request or use. The proof is clearly available in the Certified Mail Receipt and their statement that I never notified XXXX shows that they are not able to manage their own mail and deliver important documents to the designated departments within the company ( XXXX ).
Product: Debt collection

I was a victim of identify theft. I had been notified of an account opened in my name. I called XXXX but was unable to close the account as I did not have the account number. Several months later I received a letter from a collection agency on the behalf of XXXX for {$960.00}. I sent in all the information including the police report. This was in XX/XX/2020. In XXXX of this year I received another letter from another collection agency on behalf of XXXX in the amount of {$5900.00}. I again sent in all requested information. Since that time the collection agency has reported this delinquent amount to the credit bureau. I have again sent letter and copies of all correspondence to both XXXX and the collection agency and have heard nothing from either company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX is not validating accurate information of child support showing up on my credit reports. The information is wrong and not my debt.
Product: Credit card

Synchrony Bank Amazon Prime Credit Card is outside the norm when it comes to processing payments by check. Every other credit company takes at least 24 hours to process a check payment - including many Synchrony accounts. I schedule my payments 24 hours before my pay is direct deposited to ensure that the money is withdrawn on the day I am paid. Synchrony Bank Amazon Credit Card processes the transfer the same day so that the payment processes 24 hours earlier than normal. This month ( XXXX 2016 ), I scheduled my payment of {$130.00} on the Amazon Prime Store Card for XXXX XXXX so the funds would be withdrawn on XXXX XXXX. The funds were withdrawn on XXXX XXXX instead. This led me to be charged a {$34.00} fee by my bank as my payment was turned back. I will probably also be charged a fee by Amazon Prime Store Card Synchrony Bank for a total of approximately {$70.00}. There is no visible notice on the Amazon Prime Store Card Synchrony Bank payment website about this anomolous practice. I would like any fees I incur as a result of this practice - from both my bank and Synchrony Bank Amazon Card - refunded by Synchrony Bank. Synchrony Bank Amazon Prime Card should also be required to change its practice to be in line with other financial institutions - or be required to prominently post this anomolous practice on its payment website. Finally, unlike other companies with interest free promotions, Synchrony Amazon Credit Card does not automatically post payments to its 0 % promotional balances - customers must actively change. Those customers who are not tech savvy will find themselves paying interest on promotional balances because they may not realize they must change how the payment is allocated or may not be able to figure out how to do so.
Product: Debt collection

Today XX/XX/2021 I noticed an unauthorized collection on my consumer report first reported XX/XX/2021 from a XXXX  bill Ive never had nor gave consent for anyone to open I would be delighted if I could be helped with this matter resulting in account deletion.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act EQUIFAX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights on XXXX XXXX XXXX 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 instruction so therefore I need these accounts removed immediately
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report .I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 

Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In regards to information requested to verify my Identity : SSN/Proof of Address, please see the attached documents listed - in regards to my prior complaint. 

The requested removal blockage of entries should be completed asap!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I have initiated the opening of 1 personal checking account and 3 business account with Bank United, XXXX branch. I deposited {$50.00} in each account for a total of {$200.00} I was never able to use the accounts and the bank kept charging {$15.00} service fees on each account and then closed all the account and would not refund any of my funds. I have contacted their customer service and the Branch manger who keeps giving false information and asking for more time for upper management to respond. This case has been going one for a Year now. 

I placed another call today and was told that they have no answer. I need help in refunding my money please