23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally file a complaint against Hunter Warfield, a debt collection agency, for their relentless and unwarranted actions concerning an alleged debt. I also wish to highlight the numerous violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) that I have endured throughout this ordeal. My intention is to request a comprehensive investigation by the CFPB to address this matter appropriately. 

I want to convey the frustration and sense of invasion of privacy and harassment I have experienced in dealing with Hunter Warfield. Here 's a summary of the events : 1. In XX/XX/2023, XXXX XXXX first notified me of a collection account from Hunter Warfield, an issue I was previously unaware of. 

XXXX. On XX/XX/XXXX, I took the initiative to send a debt validation notice via certified mail to XXXX XXXX of Hunter Warfield, with a firm intent to protect my rights 3. Moving forward to XX/XX/XXXX, Hunter Warfield responded via email, offering documents, including a XXXX rental lease agreement. However, their response left me unsatisfied, as they failed to provide crucial details such as a signature or information about the original creditor. Moreover, there was no clear justification for their claim, and no certification of assignment was provided to demonstrate their rights to pursue this alleged debt, leaving me concerned about the consequences if the debt remained unpaid 4. In XXXX, Hunter Warfield made a resolution offer for a reduced amount via email - 5. In XXXX, I decided to accept their offer, provided that they could legally substantiate their claim through authenticated documents under the penalty of perjury 6. Hunter Warfield responded to my acceptance on XX/XX/XXXX via email, repeating the same information as in their XX/XX/XXXX response. 

7. In XXXX, I submitted a dispute to XXXX regarding the collection 8. On XX/XX/XXXX, I sent a NOTICE OF OPPORTUNITY TO CURE to XXXX XXXX of Hunter Warfield 9. By XX/XX/XXXX, XXXX had removed the collection from my credit report 10. Shockingly, on XX/XX/2023, Hunter Warfield made another resolution offer for the same amount, ignoring all previous correspondence. This behavior clearly demonstrates a pattern of harassment and an attempt to collect a debt for which they lack a proper legal basis In addition to the FDCPA violations previously mentioned, I firmly believe that Hunter Warfield has violated the FCRA in several ways : 1. Posting adverse information on my credit report without a permissible purpose.

2. Failing to contact me prior to reporting the debt to the credit bureaus.

3. The absence of a contractual agreement between Hunter Warfield and myself.
Product: Credit reporting or other personal consumer reports

I was completely stunned this evening when I saw inaccurate accounts listed on my credit report, and Im at a loss as to why this is happening. I routinely check my credit report, and this time, I was met with discrepancies that seemingly appeared out of nowhere. I attempted to refresh my browser, hoping it was a simple error, but the incorrect accounts stayed put. Because of this unsettling issue, Im asking for a thorough review of the documents Ive provided so that I can be assured this wont happen again.
Product: Credit card or prepaid card

Dear Sir/Madam- This is to bring to your notice that Synchrony Financial recently re-issued me a credit card. Upon re-issuing my credit card, they automatically converted my outstanding balances to a balance transfer mode without any form of disclosure. I raised the issue with the concern with Synchrony Financial. However they state that because the card was being re-issued the outstanding balances are being converted to a balance transfer mode. In addition they were not able to provide me the new cut off date for my payments. 

This is a predatory tactic adopted by Synchrony financial. I decided to go ahead and payoff the amount of USD XXXX ( Balance Tranfer date being XX/XX/2018 ) without incurring any penalties. 

The lackadaisical attitude of Synchrony Financial ( XXXX XXXX Co-branded ) card reminds me of the predatory tactic adopted during the height of recession. Having worked in a Bank, I understood the nuances. However an financial illiterate would not have noticed this instance.
Product: Checking or savings account

I contacted the Chex system sent a letter told them it was fraud and someone has my identity they contacted me and said they are keeping it on there
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There is incorrect family relationship information being reported both privately XXXX including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in 2002. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.
Product: Credit card or prepaid card

In 2015, I was contacted by someone on behalf of Jared 's Jewelry about a debt that I failed to uphold payments on. I was told that if I was to pay an agreed amount on that debt, the collection would be removed from my credit report. I paid as agreed and Jared 's refused to uphold their end of the bargain. I wanted to make things right on my end of the deal, which I did. I expect for Jared 's to do the same. I have paid this debt and would like for it to be removed promptly from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in credit report published. 
Under federal law, they had thirty ( 30 ) days to complete investigation from the date received my dispute letter. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

There was a list of items that were sent in my initial dispute letter that now must be deleted from database. 

The information must be deleted from my report as soon as possible. Not only did Experian not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, Experian had thirty ( 30 ) days to complete the investigation from the date they received my dispute. 

I have attached a courtesy failure to respond letter that was mailed after the over 30 day investigation request with no response
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> I WAS RELEASED FROM XXXX PRISON AFTER SERVING A XXXX XXXX XXXX. UPON MY RELEASE I WANTED TO GET MY LIFE IN ORDER AND GET ON MY FEET. MY FIANCE AT STARTED LOOKNG INTO MY CREDIT SO I COULD GET A CAR AND OTHER THINGS I MIGHT NEED. WHEN SHE PULLED MY CREDIT REPORTS WE FOUND THAT MY INFORMATION WAS STOLEN AND USED TO BE OPEN AT LEAST 20 ACCOUNTS, FROM LOANS TO CREDIT CARDS ECT. AMOUNTING IN AT LEAST XXXX IN CREDIT DEBT. WE DID NOT KNOW WHAT TO DO. SO WE DECIDED TO CALL THESE CONSUMER AGENCIES ( XXXX, EQUIFAX, XXXX ) AND LET THEM KNOW WHAT HAPPENED, BUT THEY TREATED ME LIKE I WAS THE CULPRIT, HANGING UP ON ME AT TIMES, OR REFUSING TO HELP ME ALTOGETHER OR SAYING MAIL IN A DISPUTE THEN SAY THE INFO WAS VERIFIED. I AM STUCK AT THIS POINT IN MY LIFE BECAUSE I CAN NOT GET ANY KIND OF CREDT, NOT EVEN A CAR OR HOUSING DUE TO MY CREDIT PROFILE HAVING TONS OF FRAUDUDLENT DEBT ON IT. AND I THE THREE CREDIT REPORTING AGENCIES IS MAKING IT CLOSE TO IMPOSSIBLE FOR ME TO CLEAR MY NAME. IF ANY HELP S AVAILABLE WITH THIS SITUATION I WOULD GREATLY APPREICIATE IT. I ALSO HAVE WENT TO THE POLICE STATION TO FILE A POLICE REPORT, BUT SO FAR IT HAS HAD LITTLE TO NO EFFECT WHEN IT COMES TO THESE CREDIT AGENCIES OR CREDITORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, a federally protected consumer and natural person. I am aware of ALL rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX. XXXX, XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Debt collection

I recently applied for a home loan. On my credit report shows a medical balance of {$210.00} with SCA collections XXXX XXXX. I disputed the information as I had never received a bill. Apr XXXX XXXX XXXX sent a bill. The first person I spoke to last week threatened to call my landlord. I tried again with my husband talking to them. They were very rude and stated they had mailed a bill I never received in XXXX XXXX. I also doubt this to be true as I updated my address with the bureaus last month. I asked if I paid the bill in full without even knowing if it was mine can they remove the collection. They stated no. I am being denied a loan because of a medical bill I never received. If a copy of the bill is needed I can upload it. I understand medical billing is a complex issue and outsourced lab work and so forth often do not know the insurance to bill. I was an employee at XXXX and most procedures if done in network, the hospital waives the charges beyond my co-payment. I am only asking them to remove the debt from the bureaus if I pay it in full and to send a complete medical itemized bill so I can see if insurance was billed properly. They declined when I disputed the bill.
Product: Prepaid card

XXXX, XXXX Ace Elite-Netspend, my debit card holder sent text alert of potential fraud activity on my account. I tried to login to check activity but was blocked. Called Ace-Netspend. Someone got into account, was able to change pertinent information such as user ID, password, mailing address, alert messages and got virtual cards from account as well as spent total of XXXX from XXXX stores in XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX not only permitted the charges to post to my account after I reverified multiple times proving that that is absolutely not me nor did I purchase any of these items. Card was blocked, new one issued. Then I am given access back to login to bank, account continues to be blocked and me reverifying it to unblock. Yesterday evening, XX/XX/XXXX my new card arrives. Today at XXXX I try to login to activate it, it was blocked again. I reverify. Unbeknownst to me I am assuming that all the login blocking was standard procedure until my new card arrives. At XXXX, not even an hour and half later I recieved another text message from Ace-Netspend of fraud activity. I immediately call, agent stated that my account was compromised again and now I am angry and panicking because now I have a new card that I just activated and have not even used this card, and this company allowed someone back in again to switch my information and tried to purchase more virtual cards??? How is this possible now, unless someone inside the department is stealing data! Ace-Netspend called me back, I again reverify, and at the close of the call, instructed me to immediately follow the link to reset password again. When I do so, it automatically opens the account upon reset. I am now in my account and can see the info from the culprit such as email address that was switched, mailing address that was switched, and XXXX virtual cards! As I am freaking out waiting for Ace Netspend to pick up my call, the person that hacked in my account steadily kept switching that information back! And now, no one from the company will pick-up my calls. I am automatically placed on hold. I do my best to keep the login opened to prevent any further harm to my account and race to the police station. By the time the police were able to make the report, I was booted out my account and it was blocked. I hate this company. This is my money! And they are just casually letting whoever with minimal info in my account, switch my info, make purchases, and then text me? It should have been blocked the moment someone else was trying to get in!
Product: Checking or savings account

I tried depositing {$940.00} cash into the ATM at my local Bank of America branch at XXXX XXXX  on Monday XX/XX/XXXX. Shortly after putting the cash in, a message on the ATM screen popped up that said it is unable to process my request and can not return my money. Then it printed a receipt with a phone number to contact their electronic claims team. I called and filed a claim and the customer service representative said it will usually take 1 to 2 days to be resolved. Its now day three and I have no update about where my money is and when I try calling again it just says the claim is being investigated with no update. I have bills to pay and can not go without almost {$1000.00} any longer. I dont understand how the bank is so casual about holding my money hostage when their machine made a mistake. This happened once before and they credited my account immediately and there were no problems. I dont understand what is different about this incident
Product: Credit card or prepaid card

I receive SSXXXX benefits. Comerica Bank deposits my funds into a Direct Express card. My deposits for XXXX and XXXX of 2020 were never deposited into my card. When I went to withdraw my XXXX funds, the ATM rejected my card. When I called Direct Express, they told me that I called to cancel my card. That was false and why would I do that? I ended up waiting for about a month to finally receive a new Direct Express card, but my deposits from XXXX and XXXX were never deposited into my new Direct Express card. When I called Direct Express, they said they have no record of anything and they would have to do an investigation. I completed forms and submitted back to Direct Express, to later get a response that the investigation is closed and I am not receiving my deposits from XXXX and XXXX. They have also refused to reset my password to get into my Direct Express account, so I can see if those deposits were ever made. They told me that I would need to contact Comerica Bank and I have tried to call Comerica Bank and like Direct Express, you never get to speak with anyone! I can not understand how this is legal. My SS benefit deposits that I rely on to live are missing and the only people that know the truth are Direct Express and Comerica Bank. Hundreds of people are going through this. All you need to do is go on the internet and type Direct Express and Comerica Bank and see that there have been fraudulent activities that have been made in regards to people accounts. Senator XXXX XXXX of Massachusetts even conducted an investigation. I am begging that someone help me. It is now XXXX and I still have not received my money! 
Dates that I faxed documentation and letters : XX/XX/2020, XXXX and over 50 phone calls. 
My deposits were for : o Deposit for XX/XX/2020 in the amount of {$1000.00} o Deposit for XX/XX/2020 in the amount of {$1000.00} o 2 Deposits for XX/XX/2020 in the amounts of {$300.00} for each child = {$600.00} total for XXXX. 
o 2 Deposits for XX/XX/2020 in the amounts of {$300.00} for each child = {$600.00} total for XXXX. 
This is inhumane! I can not believe that institutions can get away with this!
Product: Credit card or prepaid card

I accidentally clicked pay entire balance from my USAA bank app on phone from my other banks linked account. I immediately realized my error and called credit card company and they said it was too late contact paying bank. I called them and they said come to bank. I immediately went to bank and they charged XXXX dollars for a stop payment on transfer which I gladly paid. Two days later transfer went through. Causing XXXX overdraft. Bank said there was nothing they could do. Credit card company said there was nothing they could do. Now Im accumulating overdrafts with both parties saying theres nothing they can do and my stop payment XXXX fee will not be refunded either because they say theres nothing they can do. Im stuck in cyberspace nightmare because of my fat fingers paying a bill on my phone. Can somebody please help me? Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

KXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Applied for an auto loan and Experian credit reporting agency has me listed as deceased. I called them at XXXX. This number only takes you to menus, no access to a person. Every time I try a menu it shuts me down and says it can not confirm my Identity. No XXXX, give me someone to talk to so I can resolve this. I spent the next hour on there website and every time I try to get help it says it can not confirm my Identity. No XXXX, give me some direction. Can I get someone to contact me so I can send documents or give me a path to clear this up. This is absurd that you can report someone as deceased and then give them no way to contact you to understand how to clear it up. When they can't confirm your identity they should be required to reach out to you or send you an email with a way to contact them.
Product: Debt collection

RE : CEASE AND DESIST All FURTHER COMMUNICATIONS To Whom It May Concern, I am writing to formally request that you cease all further communication with me reference above mentioned account. Cease and desist from any further telephone calls, email, or written correspondence concerning this debt.

As allowed under Section 805 of the Fair Debt Collection Act ( FDCPA ), 15 U.S. Code 1692c - Communication in connection with debt collection for : ( c ) Ceasing communication. I am entitled to request that you cease all contact with me except as legally required. The law states that : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily
invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit card or prepaid card

Synchrony Bank has refused to provide proof of sales for a XXXX XXXX purchase. The account has been in dispute for over 12mo and my credit continues to be compromised.
Product: Debt collection

On XX/XX/XXXX my account was sold to XXXX XXXX XXXX on a charged off account as of XX/XX/XXXX. The original creditor was Comenity Bank : XXXX XXXX. The amount accused was {$600.00} I refused to pay this amount to the original creditor who could not provide me information as to where they are getting this amount. My account was paid off in full - in person - prior to this balance. I received harassing calls at all hours of the day demanding payment, but no information. 
I got the negative marks removed from my credit report by XXXX XXXX XXXX on XX/XX/XXXX. I got served a notice to be sued in superior court as of XX/XX/XXXX, in which I responded & sent a letter requesting verification to XXXX XXXX XXXX. They sent back screenshots of my account information, again nothing showing where they are getting this balance. A trial date has been set for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL ( 3 ) HARD INQUIRIES ON MY EQUIFAX PROFILE, UNAUTHORIZED XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax TAKE THESE 3 ADDDRESSES OFF XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NEW ADDRESS WHERE I LIVE XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX