23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent several letters to Hunter Warfield trying to find out what my balance is since XX/XX/2019 and they never responded to me. I as to make a settlement offer and they won't respond. I always have the Post Office to send it certified because they have been holding unto my checks until the next month. I sent a check back on XX/XX/XXXX it was cashed in XXXX and I sent another check for {$330.00} on XX/XX/XXXX and they still have not cashed my check. I tried contacting them to find out what my balance is and I get no response from the person that I need to speak with. As of today, XX/XX/XXXX, I am waiting for my check to clear my bank and it hasn't. I am trying my best to pay this account off, but I am getting bad results with speaking to the company and with finding out what my balance is. The letter that I sent with my XXXX payment, they responded and I am being charged {$100.00} interest with late fees and sending my checks in every month on time. Can you please assist me with these issues I am having with Hunter Warfield.
Product: Credit card

I had a layover in XXXX where I ended up renting a car. The total purchase for the car was {$15.00} for a couple of hours. I have proof of receipt and email. I was told when I got there that there was a deposit needed to rent the car so I gave my credit card. It was supposed to be returned way before but its still not in the account. I live in XXXX and the rental company is in XXXX. I can not go in person if I wanted to. XXXX XXXX, my bank is giving me many problems with these disputes denying all of them even when I have proof. They need to he held accountable with this.
Product: Credit reporting or other personal consumer reports

FTC report attached. Fraudulent Equifax Inquiries.

I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transactions that i have made. it is the result of identity theft. please block this information from my credit report, pursuant to section 505b of the fair credit reporting act and send the required notiifcations to all furnishers of this information XXXX XXXX... Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX
Product: Credit reporting or other personal consumer reports

I do not have any connection with the listed creditors, and these inquiries are not mine.
Product: Debt collection

On XX/XX/XXXX I had an XXXX performed by XXXX XXXX XXXX. This procedure was covered by my medical insurance ( XXXX ). I provided XXXX XXXX XXXX my insurance card and the procedure was performed. 

Months later I received a bill for the above procedure. I called my medical insurer provider to inquire why. According to my medical insurance provider " XXXX XXXX XXXX sent the bill to the incorrect address '' therefore the bill was not paid by my insurance company. As per my insurance provider they provided the XXXX XXXX XXXX the correct billing address. '' I also called XXXX XXXX XXXX and provided the correct billing address just to make sure they had it right this time. From that point on I did not hear back from XXXX XXXX XXXX. Based on my conversation with my insurance provider it appears that XXXX XXXX XXXX submitted the bill on three different occasions, all three times to the wrong address, they had also submitted the bill past the one year filing limit. 

Sometime XX/XX/XXXX, XXXX XXXX XXXX reported to the credit reporting agencies that I had an unpaid bill ( this now shows in my credit report as a " collection '' ). I only became aware of this after checking my credit report, something that I do on a regular basis. At that point I contacted my insurance provider and the collection agency in order to determine why this was happening. I spoke with the collection company and explained my case, providing them all the background information. This did n't work. I have received several calls with intimidating tones and innuendos from the collection company. Many of these calls are during my work hours and are harassing in nature. 

Attached is the " explanation of benefits '' from my insurance company. In the claim summary, under " member responsibility '' it clearly show that I 'm not liable for the amount, Further down in the explanation section it also shows ( item TFO ) that the service provider, XXXX XXXX XXXX submitted the claim past the filing deadline. 

I believed this now a matter between XXXX XXXX and XXXX XXXX XXXX. I 'm in no way involved since I 'm covered for this procedure and I paid the required amount based on my health insurance coverage. I feel that this in unjust and unfair and that XXXX XXXX XXXX through its collection agency has damaged my credit, negatively impacting my financial future and potential transactions, and also possibly placed my job in peril as I 'm required to undergo periodic background checks based on my present position.
Product: Mortgage

Saturday XX/XX/XXXX my mortgage company Mr. Cooper-Nationstar sent an email to all customers stating there was a processing issue. I had a payment schedule for XX/XX/XXXX. Well I woke up Monday XX/XX/XXXX to my bank account being in the negative over {$700.00}. I then scrolled to see that Nationstar had taken 4 payments out, then reversing two and retrying one more ( not sure what that means yet XXXX. I then called them immediately getting a recording stating they are aware of the processing issue and they are responsible for all unauthorized charges and bank fees incurred and the issue would be resolved no later than Tuesday XX/XX/XXXX ... ..My husband and I called daily to find out the status of our refund and all they could say was by the end of the day ... By Friday XX/XX/XXXX the woman stated they were now told 3-5 day processing time from Monday the XXXX. Well here we are Monday XX/XX/XXXX and we have still not received the refunded of the two payments owed to us in the bank. I also submitted for a refund on the mr. cooper website for the bank fees of {$210.00} incurred so far. They say they will send in the form of a check! 
I have not had access to my funds or any money for a week now this is unacceptable!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX, XXXX, MI, XXXX Telephone number : XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information that appears on my XXXX consumer report : Im the victim of identity theft and I dont recognize one or more of the inquiries on my report. 

XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

I appreciate your prompt attention to this matter, and await your reply. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I recently sent a letter to XXXX XXXX XXXX making them aware of affidavit filed through identitytheft.gov on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.
Product: Vehicle loan or lease

I purchased a XXXX from Credit Acceptance on XX/XX/XXXX. A few months later the XXXX was towed to XXXX XXXX  from me driving without a license, my license was suspended and I was not aware. I contacted Credit Acceptance and was advised that the title was signed over to XXXX XXXX in the year XXXX. Now I was sick and went into treatment shortly after my car was towed but once I came home I didn't have any notification that my car was being sold or that the title had been switched over to XXXX XXXX. At this point the car was sold and Credit Acceptance will not close the account and shows that I am still the owner of this vehicle. When I called Credit Acceptance to have them close the account they said they could only do so if I paid the balance of {$28000.00} in full. The lady I spoke with told me that they will not close the account and if they settled I couldn't make payments, and if I resumed making payments on a car I don't have then those payments will not apply. I explain asked the rep was it legal to still show an open loan for a full balance and the XXXX had been signed over to another company and I didn't get any notice. I looked up the Ohio law and I should only be responsible for the difference from what the car sold at auction and this wasn't even offered to me. They told me if I needed to make payments then my payments would resume at the full balance no matter who owns the vehicle at this point. That is fraud at it's finest and almost seems like what happened with the preditory loan lending back in XXXX. I need help. My life isn't the same and even if I opened credit up this negative incorrect reporting keeps me locked in when there is no car to give me, the account needs to be listed as closed and I should have the option to pay just either the difference of the sale or charge the difference off and allow me to make payments on that balance. 
I am Request Documentation : Ask Credit Acceptance for : Proof of the sale of your vehicle ( date, sale price, auction details, etc. ). 
Documentation showing they notified me of the sale as required by Ohio law. 
A breakdown of how they calculated the remaining balance. 

I also am referencing to Ohio law limiting liability to the deficiency balance. 
A request for the account to be closed and for any incorrect reporting to be corrected.
Product: Credit card

On XX/XX/year>, XXXX XXXX came to deliver the sectionals. However, the sectionals came without legs and almost a year later I am still not getting the legs from XXXX XXXX due to lost packages ( never got delivered from XXXX ) and due to inventory issue XXXX XXXX is not delivering the legs. 

I filed a dispute with Apple Card where I used to pay for the transactions. They denied the dispute without giving any information why it was denied.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, XXXX  My attorney and I spoke with Lexis Nexis regarding a bankruptcy that is on my account. We were told by the agent at lexis Nexis that the Colorado bankruptcy court reported to them that I filed bankruptcy. My attorney and I called the Colorado bankruptcy court, requested a copy of their reporting procedures in which they emailed it to us, we forwarded that to lexis Nexis immediately. Lexis Nexis said they would submit a dispute ; we were told to wait XXXX  days for the results. I called back XX/XX/2023, and was told that they completed the request, nothing had changed so they said they would resubmit another dispute in which they did. I was told to call back on XX/XX/2023, and was told the request was completed, nothing had changed again but they would resubmit another dispute again in which they did. On XX/XX/2023, I spoke with lexis Nexis again, they told me to call back because the investigation was not complete so on XXXX my attorney typed up a letter for me to forward to them again. I sent the letter via certified mail in which lexis Nexis received it on XX/XX/2023, and the request for dispute was resubmitted that say, I was told to call back again so on XX/XX/2023, I called again, and one agent told me the bankruptcy was removed from my credit report however, I called back a little later to ask another question and was told that the bankruptcy was not removed. I asked that they confirm that they received the information we have been sending, they did confirm that they received the letter and would submit that letter, along with a copy of my ID, with the copy of the letter of reporting procedures from the Colorado Bankruptcy court was submitted along with a letter from my attorney. Per my attorney 's letter to lexis Nexis he clearly states that they are improperly reporting an alleged public record to the credit bureaus and is clearly not in compliance with recognized XXXX reporting standards and the XXXX as well as the FCRA regulations. I spoke with lexis Nexis today and they just keep asking me to resubmit another dispute. So, I am asking you to please help me with this so I can get this resolved.
Product: Student loan

I had private loans serviced first by XXXX XXXX, which transferred to Navient, and I have had issues since before day XXXX. My school, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( now known as the XXXX XXXX ) recently settled a lawsuit with Federal Loans regarding their malpractice in pushy sales tactics, recommending frequent forbearance rather than payment plans, and took advantage of young people who did not understand the language or loan options. As of XX/XX/year>, the XXXX XXXX named XXXX as part of the list of schools to be approved for federal loan forgiveness. At the time I took out this loan, I was XXXX and recently moved to XXXX  from XXXX XXXX. XXXX was my second language and my school did not help make any financial conversations easy. Since taking out my loans and working with Navient, I have not received guidance after multiple attempts of speaking with them on the phone. I both called them and received calls from Navient at least every other day with harassments and the representatives only offered me the XXXX private loan option, stating it was the best option until I could have the time later to look for something else and that I would lose out on my chance to secure the loan. After taking out the loan, I felt I could never escape their communications. Their only suggestions were to take forbearances constantly, which only increased my interest and hardened my ability further to pay my loans.
Product: Debt collection

I found several accounts on my credit report that were added without my authorization. I request these accounts be immediately blocked and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I filed a complaint with the CFPB against Experian for failing to provide proof of several alleged hard inquires. In Exhibit B you will find a copy of the CFPB Complaint. 

The hard inquiries listed in Exhibit C are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable inquiries on my credit report. 

I carefully reviewed your response to my CFPB complaint in which you outlined that Section 604 allows credit inquiries for permissible purposes. That fact is not in debate. The issue at hand is that when a consumer disputes information on their credit report, Experian has a duty to verify the information as 100 accurate. The FCRA also states that the consumer can demand that the credit bureau ( Experian ) provide certified proof that the information that they ( Experian ) publish or provide is in fact 100 timely and accurate. 

Your response to my complaint did not contain any confirmation on how you verified the alleged hard inquiries attached in Exhibit C. I specifically asked Experian for certified proof that your office complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

This is a violation of the FCRA. Your failure to do your lawful duty is documented in my CFPB complaint and in your response to my complaint. 

Therefore, I demand that the hard inquiries listed in Exhibit C be DELETED from my credit report immediately. ( Copied From Attached Affidavit ) *******
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; RESIDENT VERIFY XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US POSTAL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account # XXXX XXXX XXXX  Formal Complaint of Improper Handling of Notarized Documents, Consumer Rights Violations, and Request for Immediate Removal of Tradeline Dear XXXX XXXX, I am writing to formally address your recent claim that the notarized documentation I submitted regarding the debt in question " does not appear authentic. '' This response is both unfounded and in violation of my consumer rights under federal law. 

A notary public has officially authenticated the documentation, which makes it legally binding. Therefore, your agency has no legal right or authority to question the authenticity of properly notarized documents unless you have substantial legal evidence to prove otherwise. Your arbitrary dismissal of these documents is not only inappropriate but also in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Consumer Rights Violations : Improper Disregard of Notarized Documentation : The 15 U.S.C. 1692e of the FDCPA prohibits collection agencies from using any false or misleading representations in their attempts to collect debts. Dismissing legally authenticated documents without a valid reason constitutes a violation of this provision.

Failure to Validate Debt : Under 15 U.S.C. 1692g, upon a dispute, a debt collector is required to validate the debt and provide accurate documentation. Rejecting my valid, notarized documents without proper cause fails to meet this standard of validation and is a violation of my rights as a consumer. 

Credit Bureau XXXX : XXXX, Equifax, XXXX I must remind you that the Fair Credit Reporting Act ( FCRA ) holds you responsible for reporting accurate information to the credit bureaus. Under 15 U.S.C. 1681i, during an investigation into a disputed account, credit bureaus must not report inaccurate or unverifiable information. As such, I am formally requesting that you immediately remove the tradeline related to this account from my credit report while this claim is under investigation, as the account is currently disputed and should not be reported in a way that could harm my credit.

Failure to comply with these legal obligations would constitute a further violation of my rights, and I reserve the right to take legal action to pursue damages for reporting inaccurate or misleading information on my credit report.
Product: Money transfer, virtual currency, or money service

I received several automated phone calls from number XXXX XXXX XXXX XXXX at XXXX, XXXX, XXXX, and XXXX on XX/XX/2022. The cell phone receiving these messages is my personal phone number : XXXX. I picked up the phone and a robocaller said that " Someone is trying to change my password, if this is not you, press 1. '' I pressed 1 and was prompted to enter a security code from a text message. I entered the security code, and the phone immediately hung up. This occurred several times in succession. 

Here is a picture of the caller number via screenshot https : XXXX Here is the text messages I received via screenshot https : XXXX My paypal account was hacked on XX/XX/2022 at XXXX PST and the account password was changed without my authorization. 
Photo proof : https : XXXX The unauthorized user accessed my account and all of my current crytpocurrency holdings were sent out unauthorized and without my input to an unknown individual.The fraudulent transactions are as follows. 

The paypal account id is : XXXX XXXX following fraudulent activities have been identified. 

1. 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX XXXX to : XXXX Photo proof : XXXX XXXX XXXX XXXX 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX Sent to : XXXX Photo proof XXXX XXXX XXXX XXXXXXXX XXXX. 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX Sent to : XXXX : XXXX Photo proof : XXXX XXXX XXXX XXXX 
Time : XX/XX/2022 XXXX PST Transaction ID : XXXX Amount : XXXX XXXX  Sent to : XXXX Photo proof : https : XXXX I called paypal 's help number at XXXX XXXX XXXX XXXX and was assisted by an agent to report the fraudulent activity. A photo of the case file is listed below. 
https : XXXX. 

I was instructed by the agent to change my account password and I removed all of my linked credit cards and banking accounts. I was told that they will be investigating the account and activity which may take several weeks.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, 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 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

Chex System furnished a fraudulent account on my consumer report. And it has came to my attention that I was discriminated against because Chex Systems shared my consumer report which involves a fraudulent account on my consumer report. I did not give Chex Systems permission to share my consumer reports with any other organization. 
Pursuant to 15 usc 1681m ( B ) - If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall, to dispute with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency. My rights have been violated. Chex Systems did not verify the debt. I was never notified when this inaccurate information was furnished, and I was never notified during this company 's initial investigation that you were going to report this information.

Pursuant to 15 usc 1681 ( a ) ( l ) - This grave error has undermined my confidence in this company 's procedures, and as a result if this I will no longer by extending credit, and if this information is not removed, I no longer want my information in your company 's database. 
Pursuant to 15 usc 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. You all did not insure that this information is correct and you did not exercise your grave responsibility with fairness and impartiality.