23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting this formal complaint to report the very, very, very abusive tactics of Hunter Warfield Inc. 

I was shocked when I called to inquirie about a debt of {$230.00}. 

I also clearly verified myself and stated clearly " I AM CALLING TO REQUEST SOME TYPE OF FAIR SETTLEMENT TO PAY THIS OFF AND CLOSE THIS OUT COMPLETELY ''. Apparently, I was billed for a little over {$120.00} that I was completely unaware of and this company has added exhorbent, unreasonable fees. 

I simply asked them to make a FAIR ADJUSTMENT so that I can pay this fair amount off. 

I am shocked that I was met with being BULLIED, LIED TO, HUMILIATED, PASSED TO ANOTHER AGENT WHEN I ASKED FOR A MANAGER. 

XXXX XXXX AND XXXX XXXX XXXX alias if not real names made every effort to Badger, Belittle, Provoke me, Disrespect me, Misrepresent the simple facts of payoff request discussion. Worse of all they continued to demand the address of the Safe house or Women 's shelter that had to assist my leaving a dangerous, life threatening situation. 
I offered my police report, crime victims address- but they kept badgering and so disrespect me. I was shaken over a simple matter and simple request for fair final payment request. I even asked over and over what amount might I pay to FULLY RESOLVE this and XXXX it. ( I only owed one other creditor. I called them-they faxed settlement letter, I paid full amount as agreed ) ; but, Hunter Warfield agents are dogmatic, ABUSIVE, demeaning and disrespectful while I WAS TRYING TO PAY A FULL FAIR SETTLEMENT TO XXXX THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit -  Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account Original Creditor XXXX XXXX XXXX - Original Amount {$440.00} Comments
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX REMOVE THIS NOTICE FROM MY CREDIT REPORT. I DONT HAVE A TRANSPORTATION SERBVICE THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Money transfer, virtual currency, or money service

I was trying to get a loan and started to get on but then they kept asking to send money over XXXX XXXX XXXX and now they won't leave me alone when they say they are gon na take XXXX out of my account then say they can't do.that just get a gift card for XXXX dollars and just keep pushing me and threatening me saying the cops are gon na come to my house and give them the money and all this other stuff the company is called lending tree
Product: Checking or savings account

USAA refuses to close this account. 

Requesting since week of XXXX XX/XX/2021 due to unauthorized funds transactions. 

There is no longer a debit card attached to this checking account ending XXXX. 

Delay last week, IT issue. 

IT Ticket Spoke with XXXX XX/XX/2021 Received a phone call regarding unauthorized charges day of IT Ticket and phone call from above representative. 

I had just received a text with a USAA number to reach for the the unauthorized purchases to make contact. 

Representative legitimate contact at USAA in question. 

Refused service except for open account.
Product: Debt collection

I have never received any written correspondence from Frontline Asset Strategies ( FAS ). I only received phone-calls and was never able to verify the amount owed, when the debt was acquired, and what my options were. 

I spoke with XXXX on XX/XX/XXXX and made a payment in full of {$420.00} cents. I have reached out to FAS six times via email requesting the receipt and letter stating that this account is paid in full and closed, but they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my updated report from EXPERIAN and the results are the same, experian did not do a full investigation. Report XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX are reporting account incorrectly stating invalid account # stating a balance of {$190.00} reporting incorrect day last reported, date last active and missing data on date of last payment. Stating account as being a Installment when true account type was checking account. There is no possible way that there can be a balance when I never borrowed money from this creditor. 
XXXX is reporting perfect payment history with one charge off on XX/XX/XXXX. This is not possible! Yet, missing data on date last payment. Account has been reporting a balance of {$190.00} since XXXX it is XXXX an account is still reporting a balance of {$190.00} with payments up to XX/XX/XXXX. If account is reporting payments up to XX/XX/XXXX the {$190.00} shouldve been paid off by now. Account is a total mistake delete immediately.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, This account was settled and paid off. It is still showing up as balanced due. XXXX  XXXX employee stated that they will report it paid off and removed from all three credit bureaus. This account was closed back in XXXX and was removed off my credit back in XXXX. It keep showing up on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 Equifax freeze management has been down for over 24 hours during business hours. I've called numerous times and the agents just say the system is updating. 
How can this company keep my personal and private data without my permission or control? They can't keep it secure and they seem to have an anemic IT department incapable of providing the security and availability to my sensitive data. They should lose their right to keep my data. They have no government oversight and no obligation to those whose data they store. Essentially, they answer to no one. 
If I were entrusted with keeping my clients data safe, I would be fired, based on their performance. What are you doing to fix this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing several items on my credit report that are incorrect and that are being illegally and inaccurately reported. These XXXX are making it hard for me to get credit and to be able to be approved for anything. I told them that I was gone reach out to yall because I havent heard anything back from them yet. They are not responding to my letters.I want everything to be adjusted as I have requested in my letters to them immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have a right to privacy 15 U.S.C 1681 section 604 A Secion 2 : It also states a consumer reporting agency can not furnish a account without my writte instructions. 15 U.S.C 166b A Creditor May not treat a payment on credit card account under an open end consumer credit plan as late for any reason.
Product: Credit card

On XX/XX/year> I called paypal to advise they had two payments pulling on my account and wanted one payment stopped. I was advised it was high call volume and he would investigate the issue and call me back. I was called back and told paypal has having hacking issues and he needed to access my cell to fix the issue. I let him in and he did not go to paypal he went into my banks and cards. When I tried to hang up he had control and I could not. He hacked into my IP address, emails, banks and all credit cards I told Paypal and they claimed they set up a fraud case. I recieved an email saying it was denied as I used my paypal. I just realized today they never fixed any of the fraud as I accidentally paid the XXXX XXXX for XXXX which also was fraud and The XXXX is XXXX and XXXX for XXXX. He had purchased gift cards. I am told to go to the resolution center to appeal my cases. When I go into the site there are no open cases or prior showing up so I have no way of fixing this. I want the XXXX removed to not hurt my credit and the XXXX returned as a credit as when I paid in full I did not realize I was paying the XXXX XXXX frauds at the time.
Product: Money transfer, virtual currency, or money service

XX/XX/2020, I attempted to fund my XXXX  wallet using my financial institution 's online banking credentials ( PNC ) only to receive a message stating that, " PNC has made a change that prevents you from being able to link your accounts. '' I contacted PNC customer service and spoke with a customer service representative that " looked into '' my account to see what could be causing the error. At this moment, XXXX EST, I still am unable to fund my XXXX account.
Product: Checking or savings account

US  Bank pushes pending transactions before allowing transfers to post then accessing NSF fees.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I ordered a XXXX shotgun ( order # XXXX ) online from XXXX XXXX XXXX ( XXXX XXXX XXXX ). Payment ( {$490.00} ) was made via XXXX as per XXXX XXXX XXXX stipulation, from my bank ( Wells Fargo ). I received no confirmation and no shotgun. Several email inquiries were sent regarding the order status and they requested a photograph of the XXXX receipt verifying payment, which I sent. A delayed response again requesting another photo of the XXXX document. I have examined my bank transactions and discovered that the {$490.00} has been paid from my account via XXXX transfer. 
XXXX confirmation code : XXXX. On seat agent for XXXX XXXX XXXX listed as XXXX XXXX. XXXX payment info : XXXX Of note, the aforementioned website in question ( XXXX XXXX appears to have at least XXXX near-identical sister sites called XXXX XXXX XXXX XXXX XXXX : XXXX ) and XXXX XXXX XXXX XXXX XXXX ) having simply exchanged Store for Shop in the case of one and otherwise changed some website colors, banners and fonts. The overall scheme and insistent reliance on XXXX transaction appears to be the exact same. 

Actions taken : Contacted XXXX to report fraud and to attain information for the FBI 's IC3 Form. Zero progress was made with contacting XXXX. An individual can expect zero recourse by contacting XXXX for any situation resembling the above- it is a cul de sac of assistance. Of note, their online 'Report a Scam ' requests a " 12-digit PaymentID '', instructing the filer to reference their bank statement for this number. The number on my bank statement - confirmed via an agent of my bank- is 10-digits. You MAY NOT submit the form if it does not have exactly 12-digits thus creating a veritable XXXX deadend. 

Contacted Wells Fargo to initiate a fraud investigation Completed and submitted the FBI 's IC3 Form. 

Contacted XXXX to ensure that they are aware that their company name, logo and products were being used to defraud individuals.
Product: Debt collection

In accordance with the Fair Credit reporting act, ( XXXX XXXX ) [ XXXX ] collector 's { XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX } have violated my rights. 
15 USC 1681 SECTION 602 A. States I have the right privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
Furthermore, XXXX # XXXX XXXX investigative analist ( XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX have concluded the debt to be false and the said so account to be closed/removed from credit report effective immediately.
Product: Credit card or prepaid card

Emailed XXXX XXXX on XX/XX/2022 she stated that the account would be deleted off of credit report. Never used services. Her direct number is XXXX. 
It was pertaing to XXXX XXXX XXXX XXXX not render due to medical reasons. 
Card issued from XXXX XXXX. Account number XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experien was showing on my credit report an open loan from XXXX, with past due balances. That account was paid in full and always on time and that account was closed upon completion of all payments back in 2018. 
Ive spoken to XXXX about this and Experien. XXXX verifies it was closed and paid in full and never showed any late payments. 
I have asked Experien to remove this income and they havent. This erroneous information is affecting my credit score.
Product: Credit reporting or other personal consumer reports

It has been pass 30 days and the company haven't fixed this issue. Submitted dispute XX/XX/2024
Product: Debt collection

I've tried explaining to this company, the information that is reporting on my credit report isn't mine and I sign my name as XXXX XXXX.
Product: Credit card or prepaid card

American Express has decreased my credit limit without proper notice. The name/type of credit card has also been changed without notification. ( from XXXX to XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove/delete the following accounts completely from my credit reports. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXI XXXX, XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE LET ME MAKE THIS CLEAR THIS IS NOT NOT NOT NOT A REPEAT COMPLAINT. 

I ASKED FOR SPECIFIC INFORMATION IN MY COMPLAINT TO THE COMPANY, AND THEY ARE SUPPOSED TO ALREADY AS A MATTER OF LAW STATE THEIR REASONS IN MY REPORT, BUT THEY FAILED TO DO SO. I ASKED FOR THE INFORMATION, AND THEY FAILED TO PROVIDE IT. 

THIS IS ALSO A HABITUAL PROBLEM AND BAD FAITH EFFORT WHICH THEY CONTINUE TO DO EVERY XXXX MONTHS HOPING THEY WILL EVENTUALLY GET AWAY WITH IT : LAST MONTH I RECEIVED AN EMAIL FROM EXPERIAN CREDIT REPORTING COMPANY THAT SAID MY FICA SCORE DROPPED XXXX POINTS. WHEN I LOGGED IN, THEY DID DROP MY SCORE OF XXXX BY XXXX POINTS TO LESS THAN XXXX AND THAT IS SOMETHING THEY DEFINITELY NEED TO EXPLAIN WHY. 
THE REASONS FOR INCREASE AND DROPS ARE SUPPOSED TO BE STATED IN THE REPORT. IT WAS NOT. 
I ASKED, THEY IGNORED MY REQUEST. 

IF YOU KEEP LETTING THIS COMPANY,, EXPERIAN, GET AWAY WITH THIS, THEY WILL KEEP DOING THIS TO PEOPLE. i BELIEVE THEY DROP SCORES ESPECIALLY OF WOMEN SO THEY CAN USE A LOWER SCORE TO MAKE MORE MONEY IN FINANCE FEES AS THEY ARE ALWAYS TRYING TO SELL PEOPLE THINGS LIKE " CREDIT SCORE MONITORING '' ETC.

THE LAST TIME, I COMPLAINED AND IN MY REPORT THEY ONLY HAD THE EXAMPLES THAT RAISE THEE SCORE. ALL THE THINGS THAT WOULD LOWER THE SCORE DID NOT APPLY.

PLEASE READ THSI, PLEASE READ THIS : -- ALL I WANT TO KNOW ARE THE REASONS THEY DROPPED MY SCORE BY XXXX POINTS ( AND RAISING IT BY HALF THAT IS NOT ACCEPTABLE ). 
PLEASE CAN'T YOU LET CONGRESS KNOW OF THIS? THIS HURTS PEOPLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian are reporting a Bankruptcy as a public record falsely. File dateXX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
Product: Bank account or service

TD BANK SENT ME OUT LETTERS TELLING ME I HAD 20 DAYS ... ... THEY CHARGED OFF MY ACCOUNT BEFORE THE 20 DAYS ... .THIS IS A BREACH OF COMMUNICATION ... ..I WENT INTO THE BRANCH ... XXXX XXXX XXXX A PERSONAL BANKER AT THE XXXX BRANCH IN XXXX MD LIED TO ME ... .SHE WAS SUPPOSE TO CREDIT MY ACCOUNT {$50.00} ... SHE DIDNT ... SHE WAS WAS SUPPOSE TO CONTACT THE TD BANK COLLECTION DEPARTMENT SHE DIDNT ... SHE LIED TO ME ... THERE PRACTICE AT THIS BANK ARE DECIEVING AND MANIPULATIVE.I WILL BE FILING A FEDERAL LAWSUIT IN US DISTRICT COURT THIS WEEK FOR XXXX XXXX DOLLARS ... I AM SUING FOR A BREACH COMMUNICATION, DECEPTION AND MANIPULATION ... I MAY ALSO FILE A XXXX XXXX DOLLAR CLASS ACTION LAWSUIT AGANIST TD BANK ... ..THIS CLASS ACTION LAWSUIT WILL BE ON BEHALF OFF ALL THE CUSTOMERS OF TD BANK WHO HAVE GONE THROUGH THIS INCONVIENCE ... ..MY ACCOUNT SHOULDNT BEEN CHARGED OFF ... .THEY SHOULD HAVE KEEP THEIR PROMISE TO ME AND THE ACCOUNT WOULD HAVE GOTTEN PAID OFF ... .I WOULD LIKE THE FEDERAL GOVERNMENT AND TD BANK TO PLEASE DO AN FORMAL INVESTIGATION ON THIS MOST IMPORTANT SERIOUS MATTER.THEY ARE IN VIOLATION OF SEVERAL FEDERAL BANKING XXXX ... .I AM ALSO SUING THIS IS A VIOLATION OF THE FAIR DEBT REPORTING ACT ... .I BELIEVE I WAS REPORTED TO CHEX SYSTEMS ... ..I AM A XXXX STUDENT ...
Product: Mortgage

I emailed XXXX a hardship letter on XXXX/XXXX/XXXX. Received an email from XXXX XXXX, XXXX on XXXX/XXXX/XXXX stating that she would be my contact person. I told her that I was interested in the XXXX program ( Deed in Lieu ). I sent my signed Hardship affidavit on XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX I started working with XXXX XXXX - Deed in Lieu Negotiator. On XXXX/XXXX/XXXX XXXX XXXX told me that my loan was sold and I had to contact Caliber Home Loan from now on. I thought that was strange because we were about finish with my Deed in Lieu. On XXXX/XXXX/XXXX I received an agreement to sign and return. In this agreement I was told to vacate the property by XXXX/XXXX/XXXX. 
I do n't understand how XXXX can sell my loan in the middle of me doing a Deed In Lieu with them. Now I have to start the whole process over. 
CitiMortgage title attorney have been looking for liens and judgments since the end of XXXX. On yesterday Caliber Home Loan called to tell me that there was XXXX liens or judgments against my property. A XXXX XXXX tax judgment for {$130.00} and XXXX from when I refinanced in XXXX XXXX Mortgage did n't do a release of mortgage. I was told that I had to contact them to clear everything up. When contacted XXXX. They said that they did n't have any judgments on me. I did n't think so because I receive a refund every year. The XXXX Mortgage is XXXX of my previous mortgage company 's but I do n't understand how I 'm suppose to do a release of mortgage. 
I really think that they are trying to stall my deed in lieu process to avoid granting me the relocation fee of {$10000.00} as stated in my signed XXXX agreement. I moved out in XXXX like I was told to do. I did everything I was told to do. I need the relocation incentive payment to pay for overdue utility bills on the property and moving expenses. Now they are asking me to pay rent at my new location and mortgage at the old location. I cant afford all of these expenses. 
Any help in this matter would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 incorrect and 100 % inaccurate collections from XXXX XXXX XXXX reported ; {$530.00}, {$530.00}, {$3000.00}, on my Experian Report that need to be removed. I am attaching FTC complaint documents against XXXX 
I have tried to handle this through the Experian site. I am currently talking to local attorneys and sending another certified letter to both XXXX  and XXXX 
I am hoping Experian will do the right thing providing this new information and complaint. If not I will include all the contacts I have made to Experian relating to XXXX to the attorney and let them make the decision on FCRA and/or other violations.. 
I am happy to provide any further information necessary.
Product: Mortgage

I am two payments behind on a mortgage on a 3 family house, but have otherwise been paying.

Seterus ' representative was taking pictures of my house and actively engaged my tenants in conversation. They willfully lied to my tenants telling them they should get out immediately because the house was being foreclosed upon ( not true ).

Seterus is NOT helping mortgage customers, but actively CAUSING financial hardship and foreclosure by encouraging my paying tenants to leave - by LYING to them!

Loan sharks have more subtle methods.

Their tactics are totally ILLEGAL. 

They need to be fined. 

Insane!
Product: Mortgage

Met with my lawyer today he was not able to get answers from shell point mortgage and is very frustrated he received a paper from them that now says I owe even more to them over XXXX so he is filing a court date for fraud charges against them. I also want to sue for damages and violations or I'm hoping you will step in to correct this matter and help me I really don't know how this works can someone email me with any information about what happens now? Against shell point? Thank. I already have a complaint on file with you number XXXX my name XXXX XXXX XXXX is the last name on the mortgage my email is XXXX my phone is XXXX
Product: Credit reporting

I have been disputing the late reporting on my credit file since XX/XX/XXXX. I informed Transunion that the late reportings from XX/XX/XXXX - XX/XX/XXXX was inaccurate and they stated that they verified information with XXXX XXXX XXXX. I contacted XXXX via dispute letter and asked them for proof of late payments and they have not sent me anything to date. They just sent a letter that states credit report is accurate. I am asking for your assistance in rectifying this matter. Because these inaccurate late reportings is hurting my chance of a new home purchase with the interest rates.