23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection Agency Hunter Warfield is attempting to collect an alleged debt from me in the amount of {$1500.00}. This has been going on since XXXX of XXXX. I have received several letters and numerous phone calls from them. 
I responded to them in writing several times by certified mail explaining that this is an unverified debt. They never investigated my concerns, only attached a copy of the lease from the original claimant XXXX XXXX. 
They say this verifies the debt and case closed. 
This case originated when we signed a 3 month lease for an apartment with XXXX XXXX. They were paid in full. 
I am attaching documentation explaining in detail all the events that occurred which led up to the fraudulent charge by XXXX XXXX. I am also attaching a copy of the UNIFORM ELECTRONIC TRANSACTIONS ACT ( XXXX ). XXXX XXXX violated this law when we signed the lease electronically. They inhibited us from printing or saving a copy of the lease for review. This illegal policy by XXXX XXXX led to a misunderstanding between the two parties. XXXX XXXX renewed the lease automatically without our knowledge or approval resulting in a fraudulent charge of an additional months rent. XXXX XXXX refused to resolve the issue in a fair and business like manner. They only threatened us with a collection agency and here we are
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was sent clear documentation that an alleged creditor is not reporting factual or accurate information. The documentation of such included a letter returned undeliverable by the USPS which was sent to the creditor 's address on the credit report. 

Transunion refuses to and has failed to provide any documentation of the debt. Transunion has failed to validate the debt in any way shape or form. 

Transunion claims that they " electronically '' verified the debt. They claim that they only verified the name address and social security number but NO verification of the debt itself, the nature of the debt, the validity of the debt, etc. They outright refuse to take any further action to actually verify the validity of the debt itself. 

Letters to the creditor are returned to sender, and they are unable to be reached ( Proof attached from USPS ). This is clearly not a valid debt and TransUnion refuses to remove it as required under the FCRA and various other laws. 

XX/XX/XXXX : Spoke to XXXX XXXX from Transunion, who identified herself as a supervisor, and refused to transfer me to her supervisor confirmed that TransUnion will not and would not be complying with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 

TransUnion is in clear violation of the FCRA Section, Section 609 ( a ) ( 1 ) ( A ) and various other FCRA, Federal & State Laws. 

Numerous letters were sent to Transunion with no response at all. Most recently the attached letter was re-sent again by certified mail and they closed the dispute after taking none of the required legal actions. 

TransUnion Dispute Dates : XX/XX/XXXX - Ignored XXXX - Ignored XX/XX/XXXX - Dispute Closed with no changes, no validation completed by TransUnion as requested and required by law XXXX XXXX Dispute Dates : XXXX - Ignored XXXX  - Ignored XXXX  - Ignored ( Letter received back " Return to Sender '' Attempted- Not Known - Unable to Forward ) XX/XX/XXXX - Ignored Transunion is the ONLY credit reporting agency that is reporting this false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I paid my medical bill to XXXX XXXX XXXX on XX/XX/2022 for {$200.00}. I received no mail communication nor voicemails from the Collection company, Grant & Weber INC, and they reported a collection to my credit for an original balance of {$200.00} from XXXX XXXX XXXX which was already paid.
Product: Mortgage

Re : REFINANCE LOAN WRONGFULLY DENIED Dear Commission on Real Estate & Loans : As a citizen of the United States and a Tax Payer and as a Person with integrity and good Personal Credit History I would like to bring to your attention a wrongful denial for an Application to Refinance an Existing Loan from a higher interest rate to a Lower interest rate. 
On XX/XX/2016 I received a letter denying the application for a home refinance loan from my ( now former ) mortgage holder, Amerihome Mortgage, LOAN # XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; Ph XXXX. The letter explained the reasons for the denial were that, ( a ) not enough income was generated and ( b ) income could not be verified. This letter had a very upsetting tone because, # 1 It came after 3 ( three ) months of no contact from the lender ; # 2 the lender did not inform me promptly of the situation at hand ; # 3 did not make any attempt to clarify the situation of the income or of any other information the loan might additionally need. 
# 4 it was a waste of time waiting for a response, time that could have been used to find a more capable lender to serve me. 
Points to be made here are : ( a ) the refinance loan process with Amerihome Mortgage started XX/XX/2016 when the application was signed ; ( b ) the denial letter was sent on XX/XX/2016. There is a gap of three and a half ( 3.5 ) months that we were kept waiting for something that was to be denied anyway. 
On XX/XX/2016 I inquired and started the same application process for a home refinance loan with XXXX, and to my pleasant surprise the whole process took only a month and IT WAS APPROVED! 
Therefore, I am writing this letter hoping to bring to your attention that some lending companies are incompetent. These lenders are wrongfully accusing people of not having enough income or not being able to verify their income. In my opinion, this a discriminatory practice set in place to be able to protect the interest of Amerihome Mortgage, and to forcefully keep their clients paying higher interest rates. During the application process with Amerihome Mortgage I felt intimidated and belittled. I felt intimidated because they were not returning my calls, they were ignoring my messages and they kept on promising that the loan has been approved, but the underwriter is still missing/looking for documents. 
I felt belittled, because the letter that was sent denying the loan made me despair and loose all hope that I could ever refinance to a lower interest rate. It also made me feel incompetent that although I work hard, I have higher education and I am currently employed, I could never make enough income to prove that I could live the American Dream of owning a home. 
Thank you for your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( XXXX XXXX Transunion ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent a wire transfer on XX/XX/XXXX, which they rejected because my accounts didn't have the exact same name on them. 

They said they initiated the return of the money right away, but it has not arrived. I've tried contacting customer service numerous times, and they haven't responded. To make matters worse, there is no way to talk with someone on the phone. 

I've seen others having troubles with them online, sometimes taking 30 days or more to return the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the company on XX/XX/XXXX of the unlawful reporting on my consumer report and violations made against me on their behalf. I wrote to them via a written letter with a notarized affidavit attached. The company has not complied to any of the demands, and has not furnished any type of accurate proof that I gave them written permission to furnish said information ( which I DID NOT ). They also have not furnished any proof of any ORIGINAL documents of said information reported on my account and have not responded in kind with an affidavit of their own. 

My livelihood is being impacted by this unlawful reporting, and I demand that they are held accountable for their actions. 

They are in violation of 15 USC 1681b - permissible purpose of consumer reports, THAT CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 
I HAVE NOT GIVEN THEM PERMISSION TO FURNISH ANY INFORMATION. 

They are also in violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681 s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AS WELL AS 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy CFPB, is it not your responsibility to hold these credit reporting agencies to the law set forth by Congress?? XXXX These are my RIGHTS being infringed upon, and it is negatively affecting my life. This is absolutely unacceptable!
Product: Student loan

I sent the following e-mail to NAVIENT : Dear Sir/Madam : I am seeing missed pmts. on my credit report regarding my student loans. My loans have been deferred because I am a current student. There is NO reason that my credit should be going down due to missed pmts. that I am not supposed to even be paying on yet!. This is absolutely unacceptable. What needs to be done to have this rectified ASAP. These loans are old, and I have made SURE to defer them while I am a student. 

XXXX XXXX I have XXXX missed payments that just popped up on my credit report, but they are supposed to be differed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the wake of the XXXX hack, affecting 143million accounts, I have attempted to place a credit freeze with all three major credit reporting agencies. I have gotten a busy signal multiple times or their site has been down. It is unacceptable that I can not place a security freeze on my account because a company valued at > $ XXXX can not accept calls ( nor keep its personal data secure in the first place ). These attempts at a phone call or website access have taken place multiple times from Mon XXXX XXXX XXXX to Weds XXXX XXXX XXXX.
Product: Vehicle loan or lease

I live in Washington state. I entered a lease agreement with Hyundai Motor Finance for a new elective vehicle in XX/XX/XXXX ( the lease agreement is attached ). According to the lease terms, my monthly payment is {$390.00}. This amount was consistently reflected in my statements and payments through XX/XX/XXXX ( attached ). However, starting with the XX/XX/XXXX statement, there was an unannounced increase of {$42.00} in my monthly payment. See the attached statements from XX/XX/XXXX to XX/XX/XXXX. I did not receive any email or letter in the mainbox about this increase in the amount, which is unacceptable. 

I made many calls to customer care and discussed with representatives, I was informed that this additional amount is attributed to the Washington ( WA ) sales tax. However, as a resident of Washington State, I know that no sales tax should apply to this lease. I am confused and concerned about why this additional amount has been billed to me. I spent many hours calling the local Hyundai store and the customer care representatives. They did not explain why this extra amount is showing on my case. They said I must write a letter to " Property Tax department '' of Hyundai Motor finance With address : Property Tax department Hyundai Motor finance XXXX XXXX XXXX XXXX XXXX XXXX The lease agreement clearly states that my monthly payment is {$390.00}. According to the agreement, there should be no changes to this payment amount. The unexpected increase of {$42.00} per month results in an additional cost of over {$800.00} for the remainder of the lease term. 

I wrote a letter to the Property Tax department of Hyundai Motor Finance requesting they investigate this matter and adjust my monthly payment back to the agreed amount of {$390.00}. I sent the letter on XX/XX/XXXX, and have not received a phone call or email from them until now.
Product: Mortgage

PHH, in predatory form and through internal questionable actions, failed to comply with their requirement and breached our agreement to reach out to my person to discuss options before an agreed-to short-term XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) ended. Without any verbal or written communication, PHH took unilateral action after the end of the Plan period and sent an Early Intervention - Borrower Assistance correspondence presenting options for a resolution. Upon contacting PHH, they forced me into XXXX options under the auspices of Request for Mortgage Assistance, both of which were non-starters due to the account situation they had created, disallowing me options that I was in a position to evaluate and decide on. Not only did they conduct a sham Request for Mortgage Assistance, PHH failed to include required parameters such as annual income, accurate credit score and resorted to opinion-based valuation of our property to conduct the same. How can a financial decision be made without the consideration of the latter? They offer an appeal process that we have submitted a request for, however, their predatory and dishonest actions and misleading information, primarily coming from foreign call center representatives they utilize, can not be overlooked and allowing them to take advantage of accountholders beyond myself. It has become obvious of their intent to force me to give up our home, an action that will never occur, as I have tremendous equity in the same and the hardship, during summer months this year only, as I was not assigned a summer school teaching position, has ended. I am ready to evaluate and decide on one of several options PHH disallowed me due to its sheer shenanigans, as I am presently teaching back in to school, able to pay my mortgage, if only PHH would cease and desist from attempting to coerce me into something I will never do, give up our home. Force feeding never works. I hope PHH actually honors their tagline, " Helping Homeowners is What We Do ''.. This has an easy fix, if PHH acknowledges its non-compliance of process and breach of agreement and moves forward by offering options they intentionally withheld. Thank you for your assistance in taking PHH to task. As I submit this complaint, I wonder how many seniors, who unlike me, do not have the strength, wherewithal, energy and time to chase the likes of PHH. Something very simple turned ugly because of their very own errors that to-date, they fail to acknowledge and correct. The Consumer Financial Protection Bureau has thousands of similar cases in the last three years full of complaints so similar to mine. All of the latter statements and facts are supported by over six pages of detail submitted as part of PHH 's appeal process. I may be reached at XXXX or via email, XXXX. Best wishes and regards. XXXX.
Product: Checking or savings account

In XXXX I contacted Wells Fargo to un enroll in overdraft protection, I was told it could take 3 business days, Since Im XXXX  XXXX due to vision I only get a SSXXXXI deposit monthly however I was charged over XXXX Overdraft fees, {$35.00} each, meaning the next SSXXXXI deposit more than half will be taken to pay the overdraft fees, when I un enrolled in overdraft protection a month ago, SSXXXXI my only source of income I wont be able to pay my rent or some of my utilities, Im on public assistance as well after my next deposit I will be changing banks
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had one late payment on an XXXX XXXX XXXX XXXXXXXX that I was late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in on dates of ( XX/XX/year> ). Please investigate and provide proof with statements showing that these payments showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks please look at screenshot attached.
Product: Debt collection

I received a letter on XX/XX/2022 from XXXX XXXX XXXX in New York referencing a debt owed to Certegy Payment Solutions LLC, Reference number XXXX, Certegy XXXX XXXX XXXX. The letter references a payment made by me to XXXX XXXX on XX/XX/2022 with a check for {$7.00}. I know this check cleared from the statement I have from my bank. My bank has also provided me with a letter confirming the check and amount cleared. When I explained this to XXXX they referred me to Certegy. When I spoke with the representative at Certegy I was told I had to give them my driver 's license or some other form of government ID. This is personal and private information and I have no way of knowing this company is not perpetrating a fraud. On XX/XX/2022, I sent a certified letter to XXXX letting them know that my bank shows the check had been cashed. Additionally I contacted the XXXX company telephone number on my statement and they confirmed that the check had cleared. It appears to me from the response XXXX gave to the CFPB that they are no longer servicing this account and I should contact Certegy for further information. I contacted Certegy at the number provided by XXXX XXXX and asked them for an address where I could forward all the relevant paperwork including the letter from my bank stating the check they claim is outstanding has actually been paid. Certegy insisted they need my driver 's license but they are not willing to provide a physical address where I can mail all the information I have which clearly shows there is no payment outstanding to XXXX XXXX. Kindly have them provide a legitimate mailing address so I can forward the letter from the bank showing this payment was withdrawn and no debt collection is required by them. There are retail companies that rely on Certegy for clearance when a consumer makes a check payment. Since I write checks for my personal expenses, it affects my ability to shop at certain stores!
Product: Bank account or service

Bank in XXXX County NC, my mom cashed a check in drive thru. She went straight home counted her money and she was short {$200.00}. She went back they said she probably lost because she 's an elderly lady. Possibly said her grandson took it. I called the next day and the lady was real smart mouth with me and again accused my mom of mishandling her money. I asked if there were camera 's in drive thru and she said no. They claim the young man did n't keep the money but who 's to say when you do n't have cameras in that area. To me that tells them no ones wwatching. Now no proof. This is a bank handling people 's money. There should be camera 's in drive thru. She or any of my family will ever use your bank and they were not professional about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed goodwill letters asking that XXXX  XXXX XXXX update the inaccurate reporting of my student loan under the FCRA on XX/XX/XXXX. The loan has a lot of NO Data reporting 's that date back to XXXX and all the while my payments were being made on time. I will attach a copy of the letter. If you look in the details section under each of the XXXX  XXXX XXXX accounts you'll see the gross negative inaccurate reporting the exact same way for each loan. I request that it be updated. I also forwarded a copy of these complaints to the attorney general. 

Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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: Debt collection

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. By requesting " validation '' ; I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX XXXX XXXX collection agency in the state of Michigan does not have legal authority nor proper licensing. XXXXXXXX XXXX XXXX  does not possess a collection agency license in the state of Michigan. I am a Michigan resident in XXXX XXXXXXXX XXXX has been attempting to coerce me into believing that I owe them a debt. They have failed to show me any contact agreement in which I agreed to do business with this company. In an attempt to take advantage of me, the consumer, they have included the name associates to appear as if they lawyers or attorneys in which they are not. This company has been violating my consumer rights for years by furnishing this onto my consumer report. Without my consent I have never done business with or have I acknowledged this alleged debt. 
The account number is in question in relation to these alleged debts are Acct # [ XXXX ] {$430.00} At the refusing to validate the these alleged accounts this company is breaking the following laws 15 usc 1681b Identity theft 15 USC 1681n Willful Non Compliance 15 usc 1681e Not reporting accurate information 15 USC 1602G Because of these constant violations of the law and my consumer rights, I am legally and lawfully, refusing to pay this company