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

First, the collection is from apparently from XXXX XXXX which this account was already closed by consumer report because it was a fraud. Now they are trying to put it again with a different collection, but they said is 2 collections and the one is on my credit is the one from XXXX XXXX for the amount of XXXX. However, they are putting 2 different accounts so obviously this is a FRAUD because they trying to match 2 different accounts, they are not mine. I demand this DELETED IMMEDIATELY! 

They response this and is not right anything they said they are matching 2 different accounts, Hunter Warfield , Inc. is a third-party collection agency headquartered in XXXX, XXXX. 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 to 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 has been reviewed. We have also reviewed our collection notes and records. The consumer indicates Hunter Warfield reported a debt without his consent and argues that reporting without consent constitutes identity theft. The consumer further demands the removal of the debt from his credit report. XXXX XXXX XXXX, XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$7100.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. XXXX XXXX  referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$2800.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. Given the information presented by the consumer and after a review of the accounts, Hunter Warfield has submitted a request to the credit bureaus for removal of any information concerning the debt. In addition, Hunter Warfield has closed its collection accounts. If the consumer has additional questions, he may contact XXXX XXXX of Hunter Warfield 's Consumer Resolution Department at XXXX or via telephone at XXXX or the toll-free number XXXX. 

These Accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. code 1681b-Permissible purpose of a consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

The Loans For XXXX  XXXX have been paid and I have contacted XXXX  they have provided me email and documentation for this pay off I request that this be updated on my Experian Credit Profile to reflect the loan is fully paid off and should go into A positive Status
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

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

Please remove unauthorized account as it is related to identity theft. This is against all my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 



XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL 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: Money transfer, virtual currency, or money service

I attempted to make a purchase to XXXX via PayPal credit on XX/XX/28. PayPal approved the purchased, but unbeknownst to me, there was not enough available credit to make the purchase. I found this out because PayPal then proceeded to debit one of my bank accounts for the amount resulting in an insufficient funds fee. I didn't know PayPal would do this, so I removed all of my additional cards and bank accounts from PayPal and had my staff accountant contact them immediately regarding this attempt to debit my bank account. I received an email from PayPal stating they had canceled the billing agreement with the merchant and I presumed it was canceled and I'd no longer be charged. To my chagrin they attempted to debit my bank account again resulting in another insufficient funds fee. I logged in to one of my other credit cards that had previously been removed from PayPal and noticed they had posted the transaction to that credit card on XXXX, a full week after I had already removed the card from PayPal. I have the original email showing when my credit card was removed from PayPal the week prior and that no charges would be posted after that date, so how was PayPal able to charge that card a full week after without authorization?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts repeatedly and companies continue to verify the wrong information for n them. They now refuse to let me dispute them anymore. In my opinion they are not even investigating the issue because the results either stay the same or reaged because they change the 1st derogatory mark to a year or more later date. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also XXXX XXXX XXXX XXXX date of first delinquency is wrong also, and XXXX XXXX XXXX was not included in XXXX XXXX If these companies are the ones re aging these accounts I will also file a report on them, but I believe experience is not even investigating the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, Im aware thats youve assumed a vital role in assembling and evaluating information pertaining to me. Congress makes it known that I have a RIGHT TO PRIVACY as a federally protected consumer in which youve infringed upon without my lawful consent. Pursuant to 15 USC 1681, It is the purpose of the Fair Credit Reporting Act to insure that you exercise your grave responsibilities with fairness, impartiality in a manner which is FAIR AND EQUITABLE to me as the consumer! Inaccurate reporting impairs the efficiency of the banking system, weighs on my credit worthiness, and damages my character!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Product: Credit card or prepaid card

Was approved for credit card XX/XX/18. The offer was to spend {$2500.00} to get XXXX bonus miles. I spent around {$2400.00} and now my card is frozen. I was told to summit a XXXX on XX/XX/2018. My account has still been frozen during this entire time. I have called many times asking about the progress and they have responded they are still working on it. I have only until XX/XX/XXXX to meet the spend. I want to be able to meet the spend to get the bonus but having a frozen card makes it hard. I do not think it is fair to have a card frozen when it is so close to the minimum spend for the rewards. They should not of approved my card if they had doubts about my ability to pay in the first place.
Product: Mortgage

On XX/XX/XXXX, I received a phone call from Selene Finance, informing me that my mortgage payment for the month of XXXX  was late, which is {$1200.00}. My mortgage has a 15 day grace period. The agent informed me that it doesnt matter about the grace period, she was charging me a late fee anyway. I have never been late on my mortgage. Im not behind on my mortgage. I dont have a problem paying my mortgage. Selene Finance has no reason to be calling me. What I dont understand is, why with all these complaints against this company, why are they even allowed to deal with mortgages? They are a collection agency.
Product: Debt collection

I co-signed for a school loan and the person stated that shes going through a bankruptcy. I am showing 2 loans for this person on my credit report when I just signed for one {$10000.00} loan. I have sent letters to Navient and have explained to them that shes no longer taking my calls & she goes on cruises which she shows on XXXX. The credit company says they cant contact her and keep sending me emails for her address. I dont have her new address and neither do I have her phone number. They should be able to contact her where shes employed. The credit company continues to call several times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

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

The Following accounts were opened under my name and social security number and have severely impacted my financial situation. They were opened without my consent or knowledge and is a case of identity theft. According to the fair credit reporting act section 109, I Demand these accounts be removed from my credit report IMMEDIATELY The fraudulent accounts are : XXXX XXXXXXXX Account number XXXX Total charges made {$1600.00} Account was opened on XXXX XXXX XXXX XXXX XXXX XXXX Account number beginning XXXX XXXX Total charges are {$990.00} Account was opened on XX/XX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written the bureaus several times concerning erroneous reporting on my credit profile. I began contacting them on XX/XX/XXXX. I followed up with them on XX/XX/XXXX and then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Per Fair Credit Reporting Act 15 U.S.C 1681 15 U.S.C 1681 602 ( a ) ( 4 ). States I have the right to privacy.

Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 604 ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The following accounts are infringing on my rights. 

1. XXXX XXXX XXXX Account Number : XXXX You have verified the account and its reporting. This account can not be accurate. It is an open collections account with an illegally re-aged date of last activity. XXXX has the date of last activity as occurring in XXXX. You both get the same information from the furnisher so why such a discrepancy? 

2. XXXX XXXX  XXXX Account Number : XXXX This account is also reporting as an open collection after I have disputed it several times. There is a lot of information missing in its reporting. 

3. No Furnisher Listed Account Number : XXXX This account does not even have a name for the furnisher.
Product: Debt collection

JPL Recovery Solutions is a debt collector that has been calling my work at different clinics locations, family members, friends, and previous housemates claiming they are " doing research '' on myself. They have contacted family members several times and over the last week they have contacted my job three times ( XXXX ). I requested that they do not contact my work as they have my personal line, they stated the calls will not stop and they will continue to call me at work because they will be garnishing my wages, although I have not received any details of a lawsuit for garnishment of my wages. I requested that they send me the details of the debt they are attempting to collect to my address, and the representative took down my address and said they will be sending me details of the wage garnishment to my address at work, instead of my home address and hung up the phone before I could decline. Their calls are very harassing and disruptive of my work place. They have also given me various amounts of the debt I owe from {$18000.00}, {$16000.00}, {$4500.00}. I have spoken to XXXX at least XXXXhree times as well as two different supervisors. They have been rude to other employees I work with who have answered their telephone calls. I have no written documentation of these amounts despite requesting a letter confirming they are a legitimate debt collector or representative of the company that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX XXXX account # XXXX -- XXXX -- XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion refuses to remove invalid items from my credit report that does not belong to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. 


XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My husband and I decided to put our Navy Federal Credit union credit cards on a debt consolidation program due to us getting nowhere with our monthly payments. I transferred themoney from an auto insurance claim from XXXX for my car repairs to Navy Federal so that I can transfer it to my sons Navy Federal account so that he can pay for the car repairs since I am currently out of the state in XXXX XXXX Alabama for school and Navy Federal withdrew the money with out my authorization to put towards my husband 's credit card which I'm a co-owner to. I called Navy Federal to request a refund so that I can pay for my car repairs and they denied the request even when I told them that was an insurance claims money for my car repairs. This is creating hardship and stress on me because I don't have the extra money to cover for my car repairs this is not the first time that Navy Federal withdraws money from out accounts with out having authorization. They have done the same from my husband 's account with out his permission. XXXX does not do this and we have a credit card with them that is also enrolled in the National Debt consolidation program we have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was tricked into paying a monthly change to Transunion starting in XX/XX/2000. I received no goods or services for this money. My exact situation is described in this CFPB article : https : //www.consumerfinance.govXXXX I assume this is from trying to get my free credit report, as this started at the same time I arranged for actual credit monitoring from XXXX. XXXX has a free version that sends me emails regarding my credit score. The paid version of Transunion I allegedly had sent me no emails, I presume to avoid telling me I was paying them. 
All their toll free numbers divert to a text exchange, where an entity claiming to be human tells me how important I am to them and eventually drops the exchange. When I called and yelled Agent! Human! instead of responding to the menu, I got someone on the phone. I explained the problem, he said he would transfer me to someone, and to call a number if the call was dropped. 
Will that send me to the same answering system? 
Yes. 
Would that take an hour to get someone like you who cant help? No straight answer. 
A few days later I got someone on the phone again, and told them I needed to access my account to use the services, without mentioning I was getting ripped off or wanted the charges to stop. This time he got me into my account online, so I dropped the service. 
I want my money back! Thats 40 months, a XXXX dollars. I dont believe dealing with their system will get me results. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I sent a letter in regard to unknown and inaccurate items on my credit report. I have yet to receive a response and it has been well over 30 days. I cant help but to feel done wrong because my attempts of reaching out to dispute these items are being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Again, it has been well over 30 days since I have sent in my dispute with no response. I demand that these accounts be deleted immediately, or I will be forced to file for litigation due to the disruption of my everyday living caused by the companies involved. My information was affected by the TransUnion data breach and could have been used by a random person with ill intentions. Attachments include : letter to TransUnion and my identification.
Product: Credit card

The credit card company, Care Credit, portrays a helpful way to work with consumers for medical procedures. While they offer 0 % interest on a medical bill loan, they are when the account is charged it changes the terms of the agreement. We went from having a {$2800.00}, and paying on that loan, to somehow getting an over the limit amount of {$4900.00}. While we have been paying on the loan we have never received any paper statement letting us know of the current status until XX/XX/2023 ( almost 4 years after the medical bill ). In that time they have added the calculated internet from the point of sale instead of the 0 % timeframe. What we have received is text messages that look to entice us into charging more to the card, sending promises of statement credits when large purchases are made, XXXX XXXX {$5000.00} or {$500.00} weekly winners. They are using gambling techniques to spend in order to gain more entries. 
We have never been sent statements about the changes to their interest rates. These practices should be seen as beyond legal.