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

Complaint to FTC ( Hunter Warfield ) Inaccurately Reported as a lease violation to the CRAs This in fact, is a claim for damages, having nothing to do with the lease. In accordance to Furnisher Rule 660 4 ( 3 ), this is materially misleading. I have submitted several requests for proof of debt. HW repeatedly sends me copies of a bill. This is in violation of the FCRA. H.W. Has an obligation to reinvestigate this claim and verify its accuracy These Damages are based solely on accusations of H.W. clients. In accordance to an FTC opinion letter from Attorney XXXX XXXX XXXX You should be aware That a printout of a bill or itemized document does not constitute verification. In addition, H.W. made reference to the Fair debt collections Practice Act, when in fact this is a complaint concerning the FCRA.H..W. Is a law firm and knows, this is an effort to deceive and mislead me. In accordance to FCRA sect 623 ( a ) ( 1 ) it is illegal to report information that is inaccurate when there is reasonable belief that it is inaccurate. Sect 623 ( a ) ( 1 ). 
There also several inaccuracies : XXXX : listed themselves as original creditor Date of first delinquency XX/XX/2014 vs date assigned XX/XX/2014 In closing I have included a copy of my recent letters and Hunter Warfields responses. I respectfully request, they remove this from the CRAs and take me off their collections.
Product: Credit card

I rented a car from XXXX while my car was in the body shop. The rental period was from XX/XX/2023 and the car was returned on XX/XX/2023. I returned the rental car to the body shop on XX/XX/2023 and I understand that XXXX picked up the rental car that same day. On XX/XX/2023 I got a text stating that I was over my credit limit. XXXX had charged my credit card {$670.00}. I went to the XXXX location in XXXX where I had rented the car on XX/XX/2023 and they told me that after a car is returned you have to go through their corporate office. I originally though that the {$670.00} was the car rental cost, My car insurance company paid the cost of the car rental. It took over a week to find out that XXXX had enrolled me in XXXX XXXX fraudulently without my knowledge. I have had an active XXXX XXXX for many years so there is no need to rent a temporary XXXX XXXX. During the rental period I went through a toll on XX/XX/2023 and on XXXX. I had my XXXX XXXX in my hand on both occasions but i found out later that my XXXX XXXX  did not go through because XXXX XXXX XXXX XXXX  was mounted higher. I did not even know that the XXXX XXXX was activated. I am being charged for some thing that I never ordered. The credit card company is aware as I have put in many disputes. I have always paid my bill on time. All I owe is the toll and toll fee which comes to {$30.00}. I am a XXXX XXXX on a fixed income and can't afford to pay {$670.00} for something that I never ordered. I NERVER ORDERED XXXX XXXX. XXXX XXXX IS OVER {$22.00} A DAY. My credit is being ruined because of this. The bank knows I always pay my bills on time. I have already paid the {$30.00} to Capital One. I have a credit card and a car loan from Capital One so they need to treat there customers better. I have sent my XXXX XXXX statements to XXXX but Capital One continues to bill me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a account without my written instructions XXXX- I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX XXXXXXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX I didn't give this company authorization to access my credit report for this reason.

US DEPT OF EDUCATION- Still reporting after Paid Off XXXX  XXXX XXXX XXXX XXXX - Closed and still reporting
Product: Credit reporting or other personal consumer reports

I have contacted you in 3 previous letters asking for investigation and reinvestigation into the accounts listed. Each time they have been verified and updated with no supporting evidence to show why after I requested it. The FCRA clearly states the process you must take to be in compliance with the law. I have sent photo evidence to show the inaccuracies and you continue to state that the account is verified and updated. This inaccurate information falsely manipulates the statute of limitations and damages my ability to obtain credit. You failed to investigate this account properly and your neglect has violated my consumer rights. This will be the last time I reach out before seeking remedy through the court. Please delete these accounts from my consumer report immediately. 

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

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

These lenders have accessed your credit file : XXXX XXXX XXXX   XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX   Automobile Dealers, New Inquiry date : XX/XX/2020 XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX Credit Unions Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2020 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are not removing files even when they are sent with an FTC fraud report. If you do not remove the following inaccurately reported items, I will hand my documents over to my attorney to initiate legal action. It is my intention to avoid legal action, so please adhere to the law and remove the following items, which are erroneous and were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$660.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$340.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. If you assert these items are accurate and verifiable, please provide copies of any documentation associated with these accounts that bear my signature. In the absence of such documentation, I request the immediate deletion of this information from my credit file. Note that you have 4 business days to remove any items resulting from alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Mortgage

I applied for a modification from Selene Finance on numerous occasions, and have been denied for insufficient income. Selene received my loan from XXXX Mortgage. XXXX had approved me for a modification and rescinded it because the Recorder of Deeds office was closed here in XXXX. Since then, I have repeatedly provided Selene complete modification packets that have not been revised in a timely process. Once the time frame gets to 90 days they deny it and request the same documents. In addition, Selene Finance is Dual Tracking. I have been working diligently toward a modification and they have been working towards foreclosure and a resolution through modification. I have requested to speak to them and they have claimed they havent received authorization from my attorney, who neglected to inform me of the court dates of this escalating to a judgement. Selene stopped sending me mail and stopped talking to me. They spoke to me for a very long time while I was represented by an attorney, then refused midstream after my attorney authorized them several times. My most concern is Dual Tracking.
Product: Debt collection

. I formally request validation and verification of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide me with the following information : 1. Assignment Contract : A complete copy of the assignment or purchase agreement between your agency and the original creditor, showing that you have the legal authority to collect on this debt.

2. Original Creditor Information : The name and address of the original creditor, as well as the original account number.

3. Detailed Accounting : A full and detailed accounting of the alleged debt, including a breakdown of all charges, fees, and interest added to the account after it was allegedly assigned to you.

4. Proof of Ownership : Evidence that the debt was sold or transferred to you, including any documents demonstrating that the original creditor transferred rights to collect this debt to your agency.

5. Verification of Accuracy : Documentation showing the accurate amount of the debt and the validity of the debt as required by law. This includes all statements or billing records that reflect the original balance and all payments made.

6. Affidavit of the Debt : A sworn affidavit from an authorized agent of your agency attesting to the accuracy of the debt and your legal right to collect. This request is not only for verification but also to ensure that you are compliant with the FDCPA and that my rights as a consumer are protected. I expect a timely response within the 30-day period as prescribed by law. Please note that I am specifically requesting this information be sent directly to me and not processed through any automated dispute systems, such as e-OSCAR. It is imperative that you provide the exact documentation as requested above. If your agency can not provide the requested information, you are required by law to cease collection efforts and notify all relevant credit bureaus to remove any reference to this alleged debt from my credit report.
Product: Bank account or service

On XX/XX/2016 I deposited into my checking account an amount ( approximately {$75.00} ) to bring my balance to XXXX in order to close the account. Same day I made a follow up visit to the Regions bank branch office and met with Regions employee XXXX XXXX in order to assure account was closed. 

Regions beginning on XX/XX/2016 posted a series of service charges in excess of {$400.00} to the account which was closed previously on XX/XX/XXXX. Subsequently they seized {$400.00} from my now card account to retire these erroneous charges to a closed account. 
I need the {$400.00} reinstated to my now card.
Product: Mortgage

Due to my late brother 's sudden death, I had to take over his affairs and pay his final bills, This was done at the expense of my being unable to pay my mortgage and granted a COVID-Relief Plan. Before the Relief Plan ended on XX/XX/XXXX, I applied for a loan modification on XX/XX/XXXX. In the meantime I sold my brother 's property on XX/XX/XXXX. However, the closing fell through four times, before finally closing on XX/XX/XXXX. Once I received the funds, on XX/XX/XXXX, I contacted SLS, to get the total past due amount owed, on my mortgage account. It took one week to receive this " past due amount '' to bring it current. On XX/XX/XXXX, I was given the total amount due, and immediately sent the {$6000.00} by Registered Mail to SLS in XXXX XXXX, CO. I received notification that it was indeed received, on XX/XX/XXXX, ahead of the XX/XX/XXXX deadline date on which the stated amount would expire at midnight on XX/XX/XXXX. However, when I called today, in response to a statement that does NOT reflect my {$6000.00} payment and there is now an additional charge of {$330.00} on that account which is due. When I questioned the agent as to WHAT this was for, she stated, {$300.00}. property inspection fees and {$2.00} inspection fees. No mention of WHAT the additional {$30.00} was for. 
In the first place, I have NEVER received ANYTHING from SLS stating that they were sending my home to Foreclosure. NOTHING whatsoever. They are required to SEND ME that information, by law, but to date, I have received NOTHING on this. Instead, they have charged my account an additional {$330.00} and I am DISPUTING that amount. The total amount that I paid, {$6000.00} included ALL fees and that amount was GOOD through XX/XX/XXXX. I PAID that amount in full, on XX/XX/XXXX and immediately sent it by Registered mail, on XX/XX/XXXX. I received confirmation that it had been received on Friday, XX/XX/XXXX at their XXXX XXXX, CO location. There should be NO FURTHER charges to this account. NO property inspection fees were ever done, as it had just been referred to Foreclosure on XX/XX/XXXX. I called on XX/XX/XXXX to get the total past due amount to send. I was told that it takes one week to generate that amount. I paid the {$6000.00} amount in FULL on XX/XX/XXXX and it was received on XX/XX/XXXX and I should be given credit for that amount. No further amount is due on this account. I do feel that I am being harassed by this SLS because I am a XXXX XXXX and SLS knows that they can " Get away with doing this ''. PLEASE help me put a STOP to this abuse and harrassment of XXXX by SLS. 

No wonder this Specialized Loan Servicing has such a bad reputation for taking advantage of Mortgagees. Just read their Reviews. It is NOT right to treat mortgagees in this manner.
Product: Debt collection

Comenity bank is leaving me daily voice-mails. I have NO accounts with them. I have verified this on all 3 of my credit reports. No accounts have been opened by me or anyone else. I believe they are attempting a scam.
Product: Credit card

Over the past few years I have attempted to get a credit increase from Bank of America - I started with the card back in XXXX as a secured {$300.00} card which after 2 years was released from the security deposit. I have incurred a number of inquiries over the years from just BOFA - I ca n't get anyone to actually look at my account. I keep getting stellar credit reference letters but no one will look at my history with BOFA rather they keep pulling Credit Reports. I am not telling BOFA how to manage their business - it 's obviously an internal decision on their part - but I can not seem to reason with a human being to actually " review '' my account - always results in a hard pull which I can not afford anymore. My other credit card issuers have no issues giving more credit limit and at this point I do n't understand why I even bank at BofA anymore - they do not do anything for me - I 've been a customer since XXXX and I get nothing. I 'm at the point where I will most likely close out all my accounts and bank with a company that actually values my business - I ca n't even rent a car with a {$300.00} credit limit.
Product: Credit card

This charge off has been on my credit report for over 7 years. It has not been reported accurately and by law it should already have been removed from my equifax credit report.
Product: Debt collection

XX/XX/2021 XXXX XXXX  and apartment during Covid. credit took a Major hit and most of cards were charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had a late payment in over a year, actually closer to two years, I payoff an account, which you are supposed to do when credit is extended to any individual, and then my score goes down 11 points for doing so. This way to powerful system of credit reporting needs to abolished immediately. What kind of system punishes you for doing what you agreed to, and are supposed to to?
Product: Debt collection

On XX/XX/2019, I received a letter from Dynamic Recovery Solutions, regarding a supposed debt from XXXX XXXX XXXX XXXX, which was sent originally to XXXX XXXX XXXX, XXXX, and there was never any sort of contact received about this alleged debt. When I called, the person at DRS refused to give me the information of a contact person at the supposed original Creditor, in order to dispute the validity of this claim. I am sending a cease contact letter to DRS but wanted to report unfair  debt reporting and contact- as the original debt is allegedly from XXXX more than 9 years ago.
Product: Checking or savings account

Citibank , N.A . : After repeated attempts to verify my identity with customer service representatives in XXXX, Citibank has failed to send multiple wire transfers within one business day. ( Repeated offense. ) This is illegal under the Expedited Funds Availability Act ( EFAA ) of 1987.

Before you bank with Citi : Citibank, even after verifying identity, will never lift their daily maximum wire transfer or external bank transfer limit. If you open a Citi savings account, you can deposit up to {$250000.00} immediately, but you WILL NOT be able to get that money back out in any reasonable timeframe. ( Max {$50000.00} / day wire transfer and max {$10000.00} / day external transfer. Other banks will temporarily lift this restriction when you are buying a house. ) This has delayed me from closing on a house.

I have spoken to more than a dozen customer service representatives in XXXX ( including requesting the manager ) in regards to this matter and 1 ) I have answered the same identity questions at least 5 times, 2 ) wire transfers more than 1 business day old still have not been sent, 3 ) they have locked me out of external transfers to my checking account for which I have again answered the same identity questions multiple times and waited 2 days to get transfers unlocked. 

If you do not live within a distance of a Citibank branch that you can visit in person, do not hold any of your money in any Citi account. A person living anywhere in the nation may bank online with Citi. The nearest branch to me is a 7 hour drive, limiting my assistance to XXXX call centers.
Product: Mortgage

Hello, Im working with a client of mine to rebuild her home that was lost in the XXXX Fire in XX/XX/XXXX. We summited all details to XXXX XXXX   in XX/XX/XXXX and since that date we keep getting the run around. 
We summited to rebuild a manufactured home, we have been told that corp approvals take 7-10 business days, 5 months later and 15+ calls same answer. 
Just last month we where asked to begin to talk to a man named XXXX. Since last month nothing has happned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 data gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be delayed promptly. I de an these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and May have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report and I noticed a repossession that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the repossession disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681ia1 and 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me XXXX  of dollars in interest every year and ability to obtain new credit to purchase a home.
Product: Credit reporting

i have not been able to get the free annual credit report fromEquifax and have not been able to contact them via phonebecause the number they list on their website connects toXXXX conferencing. I have a freeze on my account butwhen you attempt to submit an online request for thereport there is no place to insert the pin # thereby initiating anautomatic request to fill out and send in a hard copy form whichcontains personal information which I do n't want to disclose in thismanner for obvious reasons. Additionally, the automated phonesystem has no option to connect you with a customer service rep. 
I have not received the free annual report since 2013. I obtainedtheir actual phone number from the consumer action handbooknot their website as would be expected
Product: Credit card or prepaid card

Applied for the XXXX credit card with American Express. Denied by the new accounts team since I do not have enough US credit history. Used XXXX XXXX  to apply since I do not have Social Security Number. XXXX XXXX used XXXX XXXX to check my credit file. When contacted call center and spoke to the agent, was told that I do not have a US FICO score that is why they denied my application. I want to start building credit in the US. They should have reconsidered my credit card application. No consideration at all. This is completely unfair.