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

I have been charged an amount when I previously paid the amount in full. I also notified the company which submitted documentation as a law firm and not a debt collector. This inaccurate information was still placed on my credit file of all three credit bureau which has significantly affected my credit score. The rental contract was scheduled to end on XX/XX/XXXX. I departed and submitted all keys on XX/XX/XXXX. Also per the documentation I have provided all fees had been paid as of XX/XX/XXXX. Please view that the amounts owed were addressing the dates from XX/XX/XXXX until XX/XX/XXXX. 

The company Hunter Warfield , Inc replied : The consumer states the account was paid to the original creditor on XX/XX/XXXX. The consumer also states she does not owe past-due rents and requests Hunter Warfield for tradeline deletion. XXXX XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$11000.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$2700.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. The consumers dispute was reviewed with our client XXXX XXXX on XX/XX/XXXX. Hunter Warfield was advised the consumer was charged only for fees listed in her lease agreement. Also, the rental contract ended XX/XX/XXXX but the consumer submitted the keys on XX/XX/XXXX. We are enclosing for the consumers review, copies of the account ledger and the security deposit disposition. This information may help the consumer to review the nature of the charges. Personal information has been redacted for the consumers protection. Lastly, the consumer has requested deletion of the trade line. We are unable to do so because there is no valid reason, i.e., error in reporting, that a deletion should take place. Therefore, the facts justifying deletion are not present. 

I have proof that the company Hunter Warfield , Inc had been provided incorrect information, defrauded by XXXX  at XXXX XXXX/XXXX XXXX./XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX. 

What has taken place is landlord retaliation in which litigation is currently in effect. 

Hunter Warfield, Inc is now involved as the collection actions have now added to the financial hardship, pain and suffering caused by XXXX XXXX XXXX XXXX/XXXX XXXX./XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts Due to Identity Theft Under 15 USC 1681c-2 ( a ) Dear Equifax Team , I am reaching out to urgently address a critical matter on my consumer credit report. Upon reviewing my credit report, I identified several unauthorized accounts that I believe are a result of identity theft. These accounts are : 1. 
XXXX XXXX XXXX XXXXXXXX - No account number reported, opened XXXX, with a balance of {$86.00}. 
2. 
XXXXDEPT OF ED - Account ending in XXXX, opened on XX/XX/XXXX, with abalance of {$220000.00}. 
3. 
XXXX XXXX XXXX - Account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}.
Product: Debt collection

This debt collector calls at least 3- 4 times a week for at least the last 2 years. It is a robo call with a woman 's voice stating it is a debt collecting agency asking us to return their phone call. The only debt I owe to the bank is my mortgage payment & we have been up to date with our monthly payments. We have no credit card debts as we always pay in full every month. Our FICO scores are between XXXX.
Product: Credit card or prepaid card

Discover bank closed my account with out due diligence. They have sent a response to an initial complaint, stating that this balance will remain of XXXX until XXXX reporting on my credit account inaccurately. I was never late on a payment and I am still getting unsolicited emails about this account and paying a minimum balance, althrough Discover has claimed to have closed this account and disputed my claim with no solution. I was never late on a payment and in good standings so again I am more than sure that this is out of compliance in several ways especially in regards to the fair credit reporting laws and to the compliance of a creditor to provide me with time to complete the identity verification, as I had an authorized user who was getting the information instead of me.
Product: Debt collection

1. XX/XX/2021, received notice from XXXX XXXX, SD XXXX name of sender was not included ) telling me that my APR on a closed account ( closed in XXXX ) may increase and require me to pay more monthly. 

2. XX/XX/2021, called number listed on notice and spoke to XXXX from Citibank. Asked why is APR increasing on a closed account which I pay on time every month? Answer : The federal gov't controls the prime ; Don't see anything about an APR increase ; No you can not dispute the change ; and Contact consumerfinance.gov for more info. 

3. My complaint : Who protects my rights in this matter? Where is my Notice to Dispute? Can the company legally increase my APR on an account that is closed but being timely paid monthly? 

Thankyou.
Product: Mortgage

PHH MORTAGE IS MY SERVICE LOAN I HAVE try to talk to them they never pick up the phone the line sare always busy i been trying to talk to them about XXXX i GAVE APPLY FOR THE GOVERMENT PROGRAM TO COVER THE XXXX PAYMENT I AM BEHIND THEY HAVE ON PURPOSE DELAY THE PROCESS OF RECEIVING THE MONEY FROM XXXX I HAVE spoken with the legal department from XXXX in XXXX and they have confirmed they send the XXXX to phh mortgage they have refuse to accept the money becase they want me to get forclosure on my house, they have denied XXXX modification i applied on 2022 and they have denied forbearence plans they have refuse to work with me the investor wants to accelerate the forclosure process and they have declined to reveice the funds from teh goverment program I got approved, on XX/XX/2022. I need help please this is a predatory lender that want to forclosure on my house and have my XXXX children in the street. they have made several error in the taxes they owne money from a error payment from the XXXX XXXX treasurer, but most importantly they been rude and deniind to call me back wih update status they keep saying they have not receive tghe money wheh XXXX have sent the monjey to them
Product: Debt collection

Today I received a notification from my HR department that they received a Creditor Garnishment to garnish my wages. They included that it was their legal obligation and enclosed a copy of the withholding order for my records. I was mortified that my employer was involved in something like this but also completely confused as I read over and over the court order. 

My current credit situation is under control so to receive this notice I was surprised. The court order held no information at all to what this was regarding. I did not recognize the amount, the company or dates. There were even errors listed i.e. Total Due XXXX/XXXX/2015, Date Issued : XXXX/XXXX/2015. 

Immediately I called the lawyer that is representing the plaintiff and they told me to contact the Court Officer for the account details. It is all unsettling and confusing. This is the first time I am being notified legally, and through my employer. 

After feeling lost, I went to the internet for answers on who New Century Financial Services and XXXX XXXX XXXX are and discovered even more unsettling details. I am writing to you in hopes to rectify what is being done to me. These payments are being taken out of my check next payroll and there is nothing I can do to stop it. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XX/XX/2017, I was applying for a mortgage with XXXX XXXX XXXX for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from XXXX XXXX would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from XXXX XXXX is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX XXXX - XX/XX/2017 Equifax Mortgage Services - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX
Product: Credit reporting or other personal consumer reports

today on XX/XX/2023 I contacted XXXX about a fraud account on my XXXX credit file. I informed them I sent in the ftc id theft report to have the account removed. the representative informed me he will initiate a dispute today ( XX/XX/2023 ) but failed to provide a confirmation number. I log into my XXXX  account and I also do not see the raised dispute for today 's date on there. this also happened the previous week. XXXX is being deceptive and i do not like that.
Product: Checking or savings account

Received an advertisement in the mail from Fifth Third Bank stating a cash bonus will be given in the amount of {$200.00} for opening a checking account with qualifying activities. The qualifying activities listed on the ad state : must be opened by XX/XX/XXXX, {$50.00} minimum deposit and can not be Basic Checking, Express Banking or Private Bank products. Ad also stated the cash bonus will be deposited into checking account within 10 business days of account opening and you could open the account by visiting a branch or calling XXXX. I called on XX/XX/XXXX and spoke with a rep who confirmed the details on the ad and further stated that if I have a direct deposit of at least {$500.00}, I will receivable an additional promotion of {$53.00} and will avoid the monthly fee of {$8.00} ( monthly fee waived due to employer being one of their partners ). The {$50.00} minimum deposit would be satisfied with the direct deposit of {$500.00}. I agreed and opened the account on XX/XX/XXXX and to date have had 2 direct deposits posted to the account. I have contacted Fifth Third 4 times and was advised on the 1st call that it would be posted XXXX on the 2nd call that it would post XXXX on the 3rd call he would speak with supervisor and call me back ( never received a response ), called today ( 4th call ) and was told that the bank has until XX/XX/XXXX to deposit the funds despite what the ad said and despite me keeping my end of the bargain. This is poor customer service and the information provided on the ad and by the sales rep is misleading and misinformation. I went to a branch today and closed my account. The rep asked me why, I told her the situation and she told me she understood. Did not even offer to rectify the issue once and for all. No longer want to deal with this company, who knows what else they mislead customers about.
Product: Vehicle loan or lease

BMW Financial has provided inaccurate information to the credit bureaus regarding a late payment on my account. In addition on two occasions BMW Financial representatives have made false statements over the phone regarding their investigation. Documents will be attached regarding the initial dispute. 

BMW Financial reports false and inaccurate information. 

In my two conversations with BMW representatives I was told that BMW employees receive and process incoming payments by mail. This statement is false. In fact BMW financial uses a 3rd party company " XXXX '' to receive and process payments. According to the company website this company receives billions of payments per year. 

BMW Financial has denied my request to provide verification on how my payment was received and processed, the names of the persons investigating my payment. and their contact information. 

This is in violation of FCRA Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account ( XXXX XXXX ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish a y information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate.

I can go on and on The Credit bureaus no respect for laws.

Someone newd to hold the accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX  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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Debt collection

Absolute Resolutions Investments claims a right to collect a debt from me of {$3900.00} and a right to report bad credit to my credit reports.. 
On XX/XX/XXXX they broke the Fair Debt Collections Practices Act by discussing my credit reporting while trying to collect, something the Consumer Financial Protection Bureau warned them in XX/XX/XXXX. My CA-DOJ registered XXXX XXXX XXXX XXXX XXXX under my Power of Attorney was told, " If you are looking for a deletion I would start by paying in full '' instead of the 75 % off they were willing to settle for if I did not want credit report deletion.. 

The company is also violating the CA Consumer Credit Reporting Agencies Act with inaccurate reporting on my credit reports regarding the account " date opened '' and the " date of last activity '' with XXXX, the original creditor they say they bought collection rights from.. 

Finally, XXXX previously sold my defaulted debt before it defaulted. XXXX makes offers of debt sales on their website and reports the sales to the XXXX XXXX XXXX XXXX XXXX, it is all public information. This means Absolute is lying and trying to defraud me with a claim of rights to collect. I am sure that Absolute commits this fraud on many Calif consumer, they even file lawsuits with no standing to convey to a CA court of law = Abuse of Process, Abuse of Court Process, Undue influence, Unfair & Unlawful business practices, fraud and more. PLEASE CONTACT ME BY EMAIL FOR EVIDENCE OF WHAT I JUST SAID.. 

To the best of my knowledge the above is true. 
XXXX XXXX
Product: Debt collection

I owe a debt to XXXX XXXX, which I do not dispute. The amount I owe is {$980.00}. XXXX XXXX, XXXX is attempting to collect {$1000.00}. I have asked for proof that I signed something with XXXX that allows them to collect a collection fee and XXXX tell me that the fee must be being charged by Convergent and tell me to contact Convergent. I asked for proof from Convergent that I owe more than {$980.00}, or something that shows that they are allowed to collect a fee, and they have told me that they don't collect a collection fee, the fee is being charged by XXXX. They sent 'verification ' and they include a copy of the bill by XXXX XXXX which clearly shows an amount due of {$980.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I got a credit card back in XX/XX/XXXX, the company at the time with XXXX.this company was brought out by another company.when I try to make payment on it and call the number on the back of the credit card the number was no longer in service. I could n't find any information on this company so I just leave it at that.over the years I move from the current address that I was leaving before when I got this credit card..I recently received a warrant in the mail saying ; XXXX warrant of Arrest notice that state final notice the day before I was to appear in court on XXXX XXXX XXXX. when I went to court with the blue ticket that I receive in the mail I did not have any idea what this was about, so I went to the XXXX desk for information XXXX she told it was about a credit card that I owe on over 12 years ago that 's a charge off on my credit report. come to find out it was a credit card agency collect in debt that call, Lustig, Gleser & Wilson, P.C. # XXXX clean I owe them {$2900.00}, which I never spend that much money on a credit card.when I arrived to the courthouse the guy told me at the entrance to wait over by the side where all the benches are. the guy came in and collect the slip and then he gave me a paper to fill out with my financial statement in the lobby of the courthouse. after I fill out the paper I give it to him and then a lady call my name on the other side of the lobby. she looked over my final statementand asked me what can I afford to pay. me being scared and do n't know much about this I 'm I right the way. after I signed a paper she said she was going to give it to the judge. that was very unprofessional because I did not stand in front of a judge. this was at west XXXX division of the XXXX municipal court. what happened to the statue of limitation rights against collection agency collectin debt that is over to 12 or more years ago no proof. when I came home and call the collection agency to find out what this was about it was giving me the running around. they told me that I owe XXXX XXXX XXXX this portion of money. I tried to explain to them that I do not have a card with XXXX XXXX XXXX or they talking about XXXX and is so I did not hold that much money on that card.then he gave me another number to talk to somebody else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX  XXXXXXXX XXXX Date of first delinquency is missing? delete this account violation of fcra and fcdpa.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, XXXX XXXX  handed over processing of the XXXX XXXX credit card to Barclays Bank, where it is now the XXXX XXXX XXXX XXXX XXXX. As part of this transition, payments made to XXXX bank were to be credited to the new Barclay accounts, and new cards were issued. 

My payment of {$2100.00} to XXXX, which was sent electronically on XX/XX/XXXX, was accepted on XX/XX/XXXX and credited to the new Barclays account. You can see this transaction on my Barclays XX/XX/2022 statement listed as - {$2100.00} with the Description of " PAYMENT - THANK YOU LANG*! XXXX ''. However, on XX/XX/XXXX, a transaction of {$2100.00} was posted to the new Barclays account with the Description " / % m ''. Needless to say, I did not authorize this transaction. When I called Barclays about this mysterious transaction, they said that my payment had been returned to me because it occurred after the transition from XXXX to Barclays. However, no payment was ever returned to me through my bank, and to this day I have received no refund. My bank ( XXXX XXXX  XXXX confirmed that the payment was successfully processed electronically and gave me a confirmation number. My XXXX bank statement also confirms this. 

Since the XXXX of XXXX I have called Barclays at least 7 times to attempt to get this resolved. I even contacted XXXX bank ; they were sympathetic and said they had heard about this problem from five other customers just on the day that I was talking to them, but that it was a problem that only Barclays could resolve. I have also sent electronic messages to Barclays through their message center and supplied them with all the information they have requested, including FAXing ( per their instructions ) evidence of the bank statements and confirmation of electronic payment. Still, on my last phone contact with them today ( XX/XX/XXXX ), they seemed to have no idea what was going on, and one customer representative even hung up on me. They also refused to give me a case number or confirmation number on my call, and I refused to hang up until they at least provided me with a call center employee identifier so that I could track the call if needed.
Product: Mortgage

Back in XXXX of XXXX, on a Thursday afternoon, sheriff served papers to foreclose on my house. I called HSBC the next day to find out the problem. I called many HSBC offices to resolve the issue. Each time I was told that I didn't have a loan with them. I asked how can they foreclose on me if I didn't have a loan with them. Why couldn't they help when their name, loan #, etc. was on the title of my mortgage. So I never recieved any help from HSBC. I then contacted the attorney representing HSBC and they said I need to I contact the servicing company ( XXXXXXXX XXXX XXXX ) for some understanding. I received very little help from XXXX but was informed that according to their accounting, I hadn't made a payment in XXXX years. I went to my bank and got copies, front & back, of each check for the past XXXX years hoping this would resolve the issue. My personal bank anticipated a problem because no one endorsed the back of my checks. HSBC via XXXX proceeded to foreclose. I got an attorney, went to court and fought this case up until now. I find out that HSBC sold my house back in XXXX of XXXX to XXXX XXXX. The judge said that they couldn't do it, until the case was closed. Now a few days ago my attorney says we lost the case. Where did $ XXXXXXXX XXXX XXXX months go. Who stole it.
Product: Debt collection

Ive had called the company about the debt I have never took out and have asked for the fraud packet which they have said theyll send it out multiple times with not one being sent out. They even have it filed as fraud