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

I cosigned a XXXX auto lease with XXXX as XXXX favor for a friend in XX/XX/XXXX. The vehicle was never in my possession, but I personally made sure all the scheduled payments were made on time even after I left the XXXX in XX/XX/XXXX. There was an accident when I was overseas, and I am told that this resulted in a dispute with a local dealer when the car was surrendered to the XXXX dealer at the end of the lease regarding repairs that were done by an unaffiliated garage. 
When I got turned down for a credit card due to negative information on my credit report. I got copies of my three reports and learned of the problem. The reports each contained conflicting information pertaining to the same lease. I have independently asked each of the credit bureaus to verify the information, and each of the credit bureaus have since informed me that they contacted XXXX and informed me of changes they have made updating their information on the lease. Several gross inaccuracies have been removed in the process, but the reports still contain reported late payments that are in conflict with XXXX another for several months in XXXX. This was a period after the XXXX lease should have expired in XX/XX/XXXX. 
As a XXXX party to the dispute, I still do not really know what occurred since my now ex-friend and I do not communicate due to this matter. However, federal law requires that the information contained on my credit reports to be accurate and at least two of the three reports would have to be inaccurate since the three do not agree on the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting act. The listed accounts below has violated my federal proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 states a consumer reporting agency can not furnish without my written instruction 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( c ) The term consumer means an individual. 

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for
Product: Credit reporting

Equifax is refusing to block fraudulent information on my credit file as legally required by FCRA Section 605 ( b ). 

They sent me a letter with the following statement : '' Please be advised that Equifax, at this time will not block the information subject to the submitted identity theft and Or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account On your behalf. We will also forward a copy of documents you have provided to each creditor for their review. " I sent the, all required documents, including my ID Theft Report as detailed on XXXX. 

They are providing no explanation regarding why they have refused to block the information and placed all of the fraudulent items into their XXXX-day dispute process. This has been an extremely frustrating process and I do n't know how else to recover from this ID Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I reached out to Experian regarding an account on my credit. The name of this account is XXXX-XXXX. I asked for Experian to validate this account and provide their proof of the original signed contract that they claim that I have with this company. According to the Fair Credit Reporting Act Section 609 a1a it clearly states that the Credit Reporting Agencies are required to show proof via an original signed contract. I have requested for Experian to show me proof of the original signed contract proving that I agreed to pay this company any money and if they are not able to do that I requested that the entry be removed and deleted from my credit reports. 

It is now XX/XX/2019, and I have not seen any documents from Experian which produce the alleged signed original contract from XXXX XXXX. I only have received letters from Experian stated that this account was " verified as accurate ''. I have asked them to show me how it was verified according to the Fair Credit Reporting act they are required to show me proof on how they verified the information. Experian has not provided me with this information. I will request that a fair resolution will be to remove this account completely from my credit file.
Product: Credit reporting or other personal consumer reports

Name is misspelled. the correct spelling is : XXXX XXXX
Product: Checking or savings account

I discovered an account had been opened in my name when I received a debit card from Chime in the mail. I contacted the customer service phone number ( the only contact provided on Chime 's website ) and was told on XX/XX/2024 that the account had been closed. I was also told I would receive a confirmation of the closure the the email address I provided at that time. I have not received any confirmation from Chime, and have found on numerous online reviews that it is common practice from Chime to state that they have closed a fraudulent account when they in fact take no action after having been informed of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these hard inquiries on my XXXX credit report XXXX CARD SERVICES Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from Experian, or XXXX either .
Product: Credit reporting

There 's a name on there that is not mine into addresses do not mind name is XXXX XXXX XXXX my name is XXXX and there at address is in there were XXXX addresses that are not mine XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX never lived in XXXX my name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to XXXX guidelines, canceled debt or charge-offs are considered gross income. However, under the Fair Credit Reporting Act, consumer reporting agencies must ensure maximum accuracy in reported information. If a charge-off is inaccurately reported, it can impact a consumer 's creditworthiness. Consumers have the right to dispute inaccuracies and request corrections to maintain truthful credit reports. While canceled debt may be treated as income by the XXXX, the accuracy of charge-off entries must be verified to protect consumers from financial harm.
Product: Credit reporting or other personal consumer reports

Account info XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Secured Loan XXXX  Account Name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Secured Loan Tranunion XXXX  Account Name : XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Credit card Account Name : XXXX Account number : XXXX Account Balance : {$5300.00}. 
Date opened : XX/XX/XXXX Account type : Revolving Account Account Name : XXXX XXXX Account number : XXXX Account Balance : {$770.00} Date opened : XX/XX/XXXX Account type : Revolving Account Account Name : XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Revolving Account Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( I ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information, that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately
Product: Debt collection

I have sent HMC GROUP letters on XX/XX/2020, in which they didn't response, and recently on XX/XX/2020 about 3 different alleged debt of XXXX, and XXXX $ that are not mine.I mailed them off certified mail/return receipt for my record.This is stressing me out and causing me from accessing a house with the negative items on my report.I have attached copies below of the letters that i sent.
Product: Mortgage

I INFORMED THE LENDER THAT MY MONTHLY STATEMENT WAS INCORRECT. 
FCI LENDER P.O. BOX XXXX XXXX, CA XXXX. THE LENDER HAS FAILED TO RESPOND TO MY NUMEROUS REQUESTS. I CONTACTED MR. XXXX XXXX AT FCI LENDER. MY LOAN NUMBER IS ( UPON REQUEST ) MY MORTGAGE IS PAID CURRENT BUT IT IS NOT REFLECTED THAT WAY ON MY MONTHLY STATEMENT. PLEASE ASSIST ME. MR. XXXX IS REFUSING TO TALK TO ME.
Product: Debt collection

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 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX & XXXX ] Account Number : [ XXXX ] Reason : [ Never used progressive so why do I have it on my file? ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

Dear Experian, FTC identity theft report Reference number : XXXX Review the FTC documents attached. 
I XXXX XXXX XXXX XXXX request to remove immediately the credit account, because is fraudulent and opened by someone else XXXX XXXX XXXX  account number XXXX, is listed as closed on my credit report. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I contacted American Express as I had checks deposited that they said were not valid. I told them to review the deposits and find where they came from as the payments from my account have already been posted. I had XXXX in debt on my card I was paying off and now they said I owe XXXX. I never made purchases that would increase my debt and I closed the account because I had a XXXX balance and now they demand I pay it all. They did not investigate or try to help at all. I have asked multiple times for it to be reviewed but all they want is XXXX immediately.
Product: Debt collection

The debt collector, Portfolio Recovery Associates , LLC, located at XXXX XXXX XXXX, XXXX, VA, XXXX, has continued collection efforts against me although the South Carolina statute of limitations for obtaining a judgment against me has expired.
Product: Debt collection

Midland Funding LLC has been reporting erroneously for years in multiple ways. 
Currently, after many letters, Midland Funding reports first major delinquency on XXXX as XX/XX/XXXX for a time-barred account from XX/XX/XXXX. 
They were simultaneously using XXXX as well but now it is all Midland Funding LLC. 
The parent company is MCM Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Phone : XXXX I had had the original acct since the early XX/XX/XXXX 's which was in good standing until the last year. An XXXX in my life caused havoc in every way imaginable. I am lucky to have lived through it. First thing on this card, the interest was raised from about 11 % to 29 %. I had just lost my home of 28 years which I ended up paying off when it was mysteriously transferred to XXXX XXXX ( XXXX was soon taken over by the government and my life savings so to speak was gone forever. ) I was totally uprooted and having to drive more in relocating. The house is now on the tax rolls for over {$400000.00}. so a few people made off like bandits on my equity and my property.
Product: Debt collection

I have been receiving numerous calls from Oracle Group in XXXX New York telling me that if I did n't pa them by the XXXX warrants were going to be issued for fraud and several other charges. I thought his was odd and stopped all contact because I have n't received any letter indicating this debt, ever. Then they proceeded to call my workplace and told them the same thing about the warrants for fraud. I do n't believe this is an actual debt that i even owe and they are extremely aggressive on the phone. Threatening me with jail and lawsuits and telling me I need to keep my dogs put up for their own safety. Their names are XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

Because of this identity theft it has ruined my life those creditwise and the mental toll it is taken on me the debt is for over XXXX for a cellular phone service with XXXX XXXX I have turned in every single police report the FTC reports the IRS reports and it addition the report of the gentleman who opened these accounts and stole my identity during the XXXX breach has been arrested I still get hit with delinquent notices on my credit report every month and I just keep getting the emails from the credit people who the debt was sold to and they want {$2700.00} and they keep saying oh well these are different ways you can pay off the debt but the debt isn't mine and I've done everything to prove this to be the case I've done three different disputes with the credit agency nothing is helping it is not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX
Product: Credit card

CHARGED EXCESSIVE LATE FEE OVER {$8.00} IN VIOLATION OF REGULATION Z AFTER EFFECTIVE DATE OF XX/XX/scrub> XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED PAPERWORK TO XXXX AND TRANSUNIONON A NUMBER OF OCCASIONS. TRANSUNION DELETED IT AND THEN PUT IT BACK. THEY KEEP TELLING ME ITS BEEN VERIFIED, WHICH IS IN CORRECT. THE THIRD PARTY VENDOR THAT THEY CLAIM TO HAVE VERIFIED DOES NOT HAVE INFORMATION ON ME BECAUSE I HAVE OPT OUT, THEY CAN NOT VERIFY ANY INFORMATION ON ME. SO IF IT CAN NOT BE VERIFIED THEY HAVE TO DELETE IT.
Product: Debt collection

I am writing to formally lodge a complaint against Hunter Warfield Inc. for their failure to adhere to the legal requirements set forth in various federal regulations and consumer protection laws. I believe that Hunter Warfield Inc. has engaged in improper debt collection practices, which have adversely affected my consumer rights.

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Hunter Warfield Inc. has not provided me with the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection on my consumer report, which has negatively impacted my credit score and financial standing.

Denial of the Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given the opportunity to dispute the account in question in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of my right to dispute the debt has further exacerbated the situation and has left me without a clear avenue to address the inaccuracies.

Use of False, Misleading, and Deceptive Practices : Hunter Warfield Inc. has violated my consumer rights by using false, misleading, and deceptive means in their collection efforts. Their tactics have caused undue stress and confusion, and I believe they are not acting in good faith.

Unauthorized Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : The collection agency has furnished information about the alleged debt to consumer reporting agencies without providing me with any and all disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ).

In addition to the above complaints, I am formally disputing any and all debts that Hunter Warfield Inc. claims I owe. I hereby revoke all rights for Hunter Warfield Inc. to communicate with me through email, text, or phone calls. All future correspondence must be conducted in writing via postal mail.

Furthermore, I request that Hunter Warfield Inc. provide the following : A copy of the purchase agreement between them and the original creditor. 
Proof that they are licensed and bonded to operate as a collection agency in the state of Florida. 
Given these violations, I respectfully request that the Consumer Financial Protection Bureau investigate Hunter Warfield Inc. 's practices and take appropriate action to ensure they comply with federal laws and regulations. Additionally, I seek the removal of the incorrect collection entry from my consumer report and any other remedies that the CFPB deems necessary to rectify this situation.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

as of XX/XX/24 Hunter Warfield is not licensed in the state of florida which makes practicing debt collection illegal. Resource : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE NOTE, I'M NOT USING ANY XXXX XXXX FOR THIS MATTER, I represent myself by myself and this is not a duplicate complaint. I'm sending this complaint due to new evidence. XX/XX/2021, I sent a letter to the XXXX asking do the report bankruptcy to the credit bureaus and I got a letter response dating XX/XX/2021 stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX  Accurate?? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview 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 of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 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. 
According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I'm sending tis complaint as well to the XXXX XXXX 
Also ONLY TRANSUNION CREDIT BUREAU HAS REPORTED THIS RECORD ON MY REPORT. 
I HAVE INCLUDED IN MY DISPUTE A COPY OF : Letter to the court, letter from the court, copy of my ID, copy of my SSN, proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, XXXX 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.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7500.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$930.00} XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX of XXXX billed me for unauthorized charges in the amounts of {$910.00} and {$940.00}. A family member that has the same or similar name is responsible for these bills. I have contacted several companies because of this matter.