23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Debt collection

Hunter Warfield inc, is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$5500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

THE COMPANY RESPONSE AS THIS IS A IDENTITY THEFT AND THE ACCOUNT DOES NOT BELONG TO ME. 




Warfield , Inc. is a third-party collection agency headquartered in XXXX, Florida. Since XXXX, Hunter Warfield , Inc. has provided effective collection services for its clients in the multifamily, commercial, and funeral industries. Hunter Warfield does not purchase or own debt ; it collects on accounts referred by its clients. Hunter Warfield and its people are committed to ensuring that the consumer is dealt with in a professional, caring manner. Complaint # XXXX and the attachments have been reviewed. We have also reviewed our collection notes and records. The consumer states she is a victim of identity theft, and the debt does not belong to her. The consumer also indicates the balance reported to her credit file is fraudulent. Subsequently, the consumer requests to remove the debt from her credit file. XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$5500.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. On XX/XX/XXXX, the consumer recognized ownership of the debt. On that occasion, the consumer requested payment options and unfortunately, the call got disconnected. We are enclosing for the consumers records, copies of the documents including the account ledger, lease agreement, move-out inspection pictures, and repair cost invoices ( personal information has been redacted ). A review of this information may help the consumer examine the nature of the charges. If the consumer does not recognize the debt as hers and would like Hunter Warfield to investigate based on fraud, Hunter Warfield requests that the following information be provided as soon as possible : 1. Copy of the police report filed. 2. Copy of identification. Acceptable forms of identification include : Social Security Card Valid drivers license/identification card/passport 3. Any additional documentation supporting your claim of fraud. The requested information can be mailed to : Hunter Warfield, Inc. XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax- XXXX XXXX The account has been placed under a hold status. If the consumer has additional questions, she may contact XXXX XXXX XXXX Hunter Warfield 's Consumer Resolution Department at XXXX or via telephon
Product: Credit reporting or other personal consumer reports

Submitted a dispute with the Credit reporting agencies XXXX Experian XXXX concerning an account listed on my credit profile from Credence Resource Manage asking for a removal of a false and misleading account. This company is falsely and illegally reporting information the the CRA ' XXXX listed above. I have no knowledge of any accounts with this company nor have i ever been under any agreement With the Company Known as XXXX XXXX XXXX
Product: Debt collection

I entered a credit consumer transaction on XX/XX/XXXX with American Express XXXX XXXX ACCT ENDING IN : XXXX and American Express Gold XXXX XXXX ENDING IN :XXXX. My accounts has been closed since XXXX of XXXX due to me losing my job. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX stating that I have to pay a total of {$2400.00} for both accounts. {$1800.00} for the American Express XXXX XXXX and {$550.00} for the American Express Gold XXXX. I called American Express XX/XX/XXXX to understand why I am unable to make a payment and I was told by XXXX XXXX that my closed accounts has been ( Transferred, Outsourced and SOLD ) to XXXX XXXX XXXX with out my authorization. 
( 15 USC 1681c-1 ) ( 15 USC 1681p ) ( 15 USC 1681q-3 ) defines fraud & Identity Theft. XXXX XXXX has been contacting me on behalf of American Express when originally I did not sign an contract with this company. I've asked American Express to remove this from my credit report due to my accounts being closed and sold to XXXX XXXX XXXX a 3rd party credit company due to it effecting my way of life and I was told that American Express is not authorized to do so.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX called and told them to cancel all automatic payments due to high interest rate that was not on the agreement. Was told they have completed the revoke automatic payments. Today on XXXX the XXXX they took a payment out with my consent or authorization and they are lying about what was told and done back on XXXX the XXXX. They will not issue a refund nor apologize for there inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Navient have not provided documentation pertaining to reported information. Information given regarding dispute states that Navient has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute # XXXX.
Product: Debt collection

My name is XXXX XXXX and I had my identity stolen many years ago when I lost my wallet and someone had opened a secured credit card with XXXX  XXXX many years ago and I hired a lawyer that faught to help me fix my credit score and all was well and the account in question was marked as charged off and removed from my credit report forward till now I finally got my credit score a little higher and decided to give credit one a try and apply for a credit card and it said I was approved and a card was Shipped out to me but instead I got a letter from a company I've never even heard of claiming I have until XX/XX/XXXX of this year to pay them {$840.00} for an account that was years old and marked as charged off and removed and stated repeatedly that I did not apply for any card with them back then but they refused and continued to harass me for payment even though it was identity fraud. Now they are threatening to sue me if I don't pay them {$840.00} by XX/XX/2021 when I don't have that kind of money for an account I never even opened to begin with. This company name is Midland credit management Inc and I never made any deal or contract with this company in my life and this is the first time I ever tried to get a credit card from XXXX  XXXX XXXX  so for a credit debit collector to threaten me for an account that was charged off and marked with identity theft many years ago is rediculous. If anyone can please help I would be really greatful. Sincerely XXXX XXXX email XXXX address of debt collector XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX the letter they sent never specified what debt it was referring to either just the last four digits of a random account number and the amount and that they will send it to a lawyer and sue me if I don't pay by XX/XX/2021 or make a payment plan with them. Say go to Midlandcredit.com or call XXXX MCM account number XXXX for an unknown account I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry from a fraud ( they applied for a credit card with my info ) and I reported this to Capital One and to XXXX and Capital One did not remove thnis from every credit bureau. I still see this on some reports and it needs to be removed. I proved it was fraud and I have my credit frozen because it might be apoaring onn the dark web, this has happerned 2 times this past year in which I reported the fraud and I was also notified because I have warnimngs set. This 2 hard inquiries need to removed of all credit reports. please help me and take care of this, thank you, Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm being Stalked by someone high up in government. I most recently began to gather proof of being stalked with credit card and credit reporting issues. Here 's an example of what they are and have done and here is the issue for this report. I opened a XXXXXXXX XXXX XXXX  credit card around XXXX, XXXX. My closing date was XX/XX/XXXX. I received my first-time statement in the amount of {$110.00} with was legitimate charges. A week later, I go to pay my bill and it stated on-line that my balance was XXXX. I knew immediately that someone committed fraud on my account. I contacted the merchant and immediately they submitted a fraud investigation. On around XX/XX/XXXX the fraud charges where reversed and balance was corrected. The only statement that I have received with this company is one statement which was the correct amount of XXXX. My balance as of XX/XX/XXXX was {$1.00}. On XXXX XXXX   it was reported to the credit bureaus that I had a balance of $ XXXX.They never reported the real statement balance of {$110.00} The fraudulent charges were even removed before they reported and it's not even time for me to receive a statement again because it does not close until XX/XX/XXXX. It took my credit score down XXXX points. You may say, oh no that's one instance. No, this has happened to me on several of my credit cards and loan accounts. My score was lowered on one of them because my balance decreases XXXX points because on one of my credit card balances went from {$1.00} to {$2.00}. yes, just a dollar. I have superb payment history. There are many more examples of this. Please contact me. T
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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: Mortgage

This is the second mortgage company they have passed the loan to and even though I fought and paid for the first mortgager, XXXXXXXX XXXX. I provided them these same documents and they did not update the loan. 

I provided the company Fay Servicing with the required documents to assume the loan because my Mom passed away. On XX/XX/XXXX, I provided court documents stating I was the executor of the property. They also made me provide a copy of my drivers license, birth certificate, and my Mom 's death certificate. Those documents were not enough and in XXXX XXXX they wanted a copy of my marriage certificate which I sent them. Now they want me to do a quit claim deed. I was told by the court that the paperwork from probate court serves as the deed. 

I have tried to make payments, XXXX, XXXX and XX/XX/XXXX with increasing amounts and they have returned them. They also charged me for insurance even though I maintain insurance on the property since XXXX and it has their name on it as a lien holder.
Product: Debt collection

I received this letter from ERC ( attached ) which I have no idea about any XXXX account. The information represents that my personal information has been mistaken with someone else 's or that my credit file and personal identity has been totally compromised. This is a serious matter that needs immediate attention before it is put on my credit report. That would be a fraudulent act by ERC and XXXX as this debt is not mine and could be a result of ID Theft.
Product: Mortgage

My Parents are first time home buyers. The Mortgage Company is Guild Mortgage ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, IL XXXX ; XXXX Office ; XXXX Cell ; XXXX XXXX Branch Manager. 


My Parents went to XXXX XXXX 's office on XX/XX/XXXX to sign the Mortgage Papers, at that appointment XXXX reassured us that the Interest rate which was 4.25 % and the Payment which was {$590.00} WOULD NOT INCREASE BECAUSE WE ARE LOCKED IN. Our first closing date was XX/XX/XXXX, It was Cancelled by XXXX due to a glitch in the Deed of the home and had to be fixed before signing. After many calls, and emails, and text messages trying to find out when the closing would be, it was pushed to XX/XX/XXXX. We said ok, then got another message saying no closing on XX/XX/XXXX. No reason why, just couldn't do it. My parents went to the closing on XX/XX/XXXX. NO IDEAL anything had changed, signed the papers that was handed them without explanation, Then when he was leaving the closing, told us that the Interest and payment went up, I called it to his attention that NO WAY they could go up because you SWORE to us nothing would change. My parents are on a fixed income, ages XXXX & XXXX and had done budgeted the original mortgage. The Interest went up to over 5 % is what he told us, and the house payment went up to {$650.00}. 

This man knew that the Interest and payment agreement ran out on XX/XX/XXXX and never once told us. NEVER called my parents home, never sent a letter, email or text. WE are OUTRAGED. My parents also qualified for the XXXX County community Development ; XXXX XXXX XXXX ; XXXX, IL XXXX ; for the amount of {$4300.00}. Seller was responsible for closing costs. We had been told that my parents would receive a check at closing and could be used towards the update on the home. 

My parents have been lied to, taken advantage of, and I am outraged. They never received a penny from closing, they also had to pay an outstanding tax bill in the amount of {$3000.00} and an outstanding Sewer bill in the amount of {$270.00}. NO ONE TOLD US ANYTHING ABOUT THIS OR WE WOULD NOT HAVE PURCHASED THE HOME!!!!!!!! Closing cost went from {$4200.00}. to over {$8000.00}. HOW in the world doe they get away with this???? ALL LIARS. My parents are on a fixed income like I said, and to someone like XXXX the extra {$70.00} dollars isn't much, but when you go without food so that you can purchase your husbands XXXX at over {$300.00} a month, that {$70.00} dollars adds up. We will stand behind anyone that will get this company for the pitiful lies they tell people.
Product: Debt collection

Brown and Joseph LLC They harassed me. Then when I answer and request proof of the debt they can not provide me with proof. The agent XXXX XXXX is very threatening and threatens escalation without even following up on the dispute. Not one shred of evidence has been provided to the debt. We settled on a lower amount then she goes ghost and says we can not make payments. Making unfair terms and sending us to her manager. All we asked is for proof of the debt bc I never signed anything stating I would owe money if I canceled the insurance and I asked specific questions to the rep upon inception and they cant provide me with that phone call. Bc the rep clearly states that the insurance company would owe me if I canceled early. Long story short. They are scammers and promoting threats and unfair practices
Product: Credit card or prepaid card

Keybank Will not process request of mine to return money from unauthorized transactions And money from closed account Keybank XXXX XXXX XXXX XXXX ohio XXXX
Product: Student loan

I am TRYING to get the original loan documents because : 1. I want to find out WHEN these loans are PAID OFF ( I am under the impression it is a fifteen ( 15 ) year loan and have been told ( docs attached ) of the MINIMUM payment required to PAY OFF these loans ( there are XXXX LOANS ) I NEED to know the following : 1 ). what do I have to pay MONTHLY in order to pay these off. I am currently paying {$890.00} total for BOTH loans and need to know the pay off date based on this payment. 

2 ) I was told the interest rate would be REDUCED if I had AUTOMATIC MONTHLY PAYMENTS but am getting evidence to the contrary. 

3 ) I do NOT WANT this to be AN INTEREST ONLY payment. HOW MUCH DO I HAVE TO PAY ON BOTH LOANS to pay this off in FULL by the SCHEDULED payoff date of fifteen years ( 15 years ). This would be a PAY OFF DATE OF XXXX AS I WAS TOLD THIS WAS A FIFTEEN ( 15 ) YEAR LOAN WITH INTEREST AND PRINCIPAL. 

4 ) WHAT is the ACTUAL principal for each loan? 

I have called and asked WELLS FARGO SEVERAL TIMES and am NOT getting the information I need. They tell me I am not authorized to speak on behalf of my daughter, XXXX XXXX BUT SHE SIGNED an authorization to allow me to speak on her behalf. 

I need clarification. I am NOT getting this from Wells Fargo. 
I need the ORIGINAL LOAN documents for XXXX LOANS, which I do not have and they are NOT CO-OPERATING in providing these documents. 

I have paid this EVERY SINGLE MONTH, ON TIME, with AUTO PAY every month since XXXX. I Want a pay off date and amount required EACH MONTH to attain this goal.
Product: Credit reporting or other personal consumer reports

Chime has been reporting to the credit bureau that my account with them was past due XXXX day and that I had a balance which neither is accurate nor true. I called several months to get this resolved and account closed it never was and also it was money being directed deposit from my pay check to the card every 2 weeks never them giving me a credit card with an limit or any money at all. Therefore providing misleading information to XXXX and XXXX which caused a significant decrease on my credit score from XXXX to XXXX in one month
Product: Credit card or prepaid card

- XXXX XXXX paid off HSBC credit card for {$3800.00}. 
They said they would send " paid in full ' later. 
- XXXX or XXXX XXXX recurring charge for XXXX XXXX XXXX XXXX came in and HSBC paid it. 
They never notified me ( I was paperless billing and acct was closed ). 
- XXXX XXXX they added {$15.00} late fee I was told. 
- Interest and another late fee was added at some point. 
- Around XXXX or XXXX XXXX got bill for {$62.00} ( XXXX + XXXX in interest and late charges ). After bounced repeatedly over the next few from csr to  collections to csr and back, I got fed up.

- XXXX XXXX paid the {$62.00} to HSBC collections. XXXX said would refund the late and interest but I have NOTHING in Writing that says that. 
- I did not check SXXXX XXXX XXXX payment issue but I will pay the XXXX from XXXX XXXX XXXX. 

One reason I closed the HSBC account was that HSBC would post debits right away but wait days to post a payment ( and I believe rack up interest charges in the meantime ). They did it again here ( not close my account right away but took the debit charge immedtly ).
Product: Checking or savings account

On XX/XX/2018, I was cleared and Processed of a payment of {$1400.00}. I made a sale through paypal from a buyer that I have been doing business with for past few years. XXXX bought a rare signed XXXX XXXX XXXX from me at a price of {$4300.00}. This was supposed to been wired to my account as I instructed. I also sold {$1000.00} rare comic to a different buyer as well. Both deposits entered into my account and all was fine for few days. After spending most of money, account was frozen and closed once more by XXXX from Fraud department. After selling 5 different iyrhs to 5 different buyers at different locations, bank tells me they sent all monies back. So my property and money was gone. I asked was all the transactions verified if good or bad. The manager said they did not check all. This was unacceptable when most of money if not all was good. This was done in one of my credit cards from US Bank. I should had been notified before monies sent back for international bank to verify once more. I spoke to them several times and assured it was all good.
Product: Mortgage

I sent a written inquiry to the mortgage company on XX/XX/2018 asking that they re-analyze my escrow account. Due to switching home owners insurance ( to a more affordable policy ), I had sent the refund check I received from the previous insurance company to the mortgage company and it was clearly marked " Attention Escrow '' which was what I was advised by the mortgage company to do. When the mortgage company received the check, they applied part of the funds to my monthly mortgage payment and the remainder went toward loan principle ( instead of going towards the escrow account as intended and requested ). 

Because the funds were not applied as requested, my escrow account had a deficit during the year end escrow-analysis. I learned of this error when I received a letter from the mortgage company informing me that my monthly payments were going up instead of down ( as expected due to cheaper insurance ), this was an approximate {$80.00} difference per monthly payment. 

The mortgage company responded approximately monthly saying, in essence, " we are working on it ''. 

Now, XX/XX/2018 ( 113 days after the initial request ), I call the mortgage company only to learn that the letter I received on XX/XX/XXXX that states that the mortgage company is in the process of reversing and re-applying this transaction and will send me my new monthly payment amount, was not followed up on by the company. 

In other words, after the mortgage company took 3 months to research the issue and decided they were going fix it as of the date of the XX/XX/XXXX letter, no one did anything. When I spoke with the customer service representative today, XX/XX/XXXX, he said that " it appears no one actually requested the re-analysis ... I'll request that now for you.. '' Meanwhile I have been paying {$80.00} more per month because this mortgage company is requiring for reasons that are not my fault, but a result of their terrible clerical and administrative services.
Product: Credit reporting or other personal consumer reports

XXXX, The information on this credit reporting platform has not been verified or permitted by me to be placed on their credit report. There are no documents with any signature of mine that states that it was okay for this platform to post or report my personal business on their site or information that they have yet to verify belongs to me. I noticed over eight addresses that do not belong to me and just as many phone numbers. I would like for this platform to send me any type of documentation that verifies this is an account that belongs to me before reporting this type of information. 
Dates : XX/XX/XXXX XXXX XXXX Dates : XX/XX/XXXX XXXX XXXX 2 ) Inquiries XXXX XXXX XXXX DatesXXXX There are over 8 addresses on these reports that does not belong to me and phone numbers as well. The name on these reports are spelled wrong, I also disputed that as well.