23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hunter Warfield, in response to my first CFPB complaint, presented incomplete verification and falsified statements ( claim that they provided me with signed documentation ) for my obligation and completely ignored the original problem which is their failure to provide me with proof that I owe this debt. I attempted to handle this matter via phone the first time it appeared on my credit report and was met with rudeness and unprofessional behavior. They failed to provide documents to me when I requested them over a year ago, removed the item from my credit report, THEN re-inserted it in XX/XX/2017. They have provided no proof that they complied with my request for validation and claim to " verify '' this debt via CFPB by providing an illegible copy of a contract from another creditor. At the bottom of a list of false charges from the original creditor, it states that the original creditor has written off the debt. Therefore, since I have signed no contract with Hunter Warfield, and the original creditor has written off the falsified charges, I have no obligation to pay Hunter Warfield or their inflated charges. In addition, they violated a cease and desist letter which clearly stated communication must stop and no damage was to be done to my credit report because they failed to prove my obligation and I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted this complaint to which XXXX replied the complaint appeared to have been originated by someone else. XXXX had previously stated they were under no obligation to re-investigate my complaint and this continued obfuscation is a clear indication of their guilt. XXXX has an affirmative obligation to thoroughly investigate a complaint but instead they have aligned themselves with the abusing creditor XXXX XXXX XXXX XXXX. I am asking CFPB to compel XXXX to respond and investigate the matter. Moreover, I demand strict proof of XXXX 's prior contemporaneous investigation into this matter. 

This complaint involves XXXX XXXX XXXX XXXX Account XXXX. This account is found on my XXXX Credit Report. I am disputing the accuracy and legitimacy of this account charges. When these charges initially surfaced, I contacted XXXX and reported the charges fraudulent. The largest of the largest charges, I was able to track to a furniture store who provided me a copy of the signed document receipt. They provided information that an older female signed the invoice and the delivery address was not my address nor was it an address I had ever lived. I provided XXXX this information and subsequently, I provided XXXX all local Police Reports, and Federal Identity Theft Task Force reports of the identity theft and fraudulent use of the card. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and Trans Union have failed to do either. The other two credit bureaus, XXXX and XXXX have removed this account, with prejudice, from my credit report. A second matter is related to a bankruptcy, XXXX filed XX/XX/XXXX. The filing is subject to a mandatory removal XX/XX/XXXX. I have repeatedly disputed this reporting based upon the fact the bankruptcy court dismissed the case without any discharge and that all creditors were paid satisfactorily. While your position is that Trans Union reserves the right and ability to report the information for ten years, you have no statutory obligation to do so. I continue to labor under the reporting of this bankruptcy and it has a major impact on my credit report and FICO Score. I am asking respectfully that you remove this bankruptcy from my credit report early and allow me to move forward in the current dire circumstance.
Product: Mortgage

My initial loan to buy my home was with Homecomings in XX/XX/XXXX ; it ended up with loan servicing Ocwen ; loan XXXX ; Ocwen had a foreclosure hanging over my head until XX/XX/XXXX ; Ocwen originated a loan modification agreement ( shared appreciation ) payments too high and did n't make sense at all. This week I received a form that Ocwen discharged {$220000.00} and they sent to the IRS. Where did this come from? Ocwen had refused to ever reduce the principal.
Product: Mortgage

I have weeks ago received a status of loan letter and within it states Acceleration Warning notice of intent to foreclose. There is no account showing this HELOC on my XXXX XXXX credit report SEE ATTACHED showing this so called debt. This is a violation of the Federal Laws of Reporting Debt 15 U.S. Code Section 1681. Chase and or XXXX XXXX or whomever is initiating this illegal acceleration/foreclosure attempt. Please SEE ATTACHED there is no account for this party Chase to foreclose on and also there can be No piggy backing onto the existing illegal attempt to foreclose on the primary so called mortgage loan. These are both illegal attempts to threaten this XXXX yr old, XXXX, indigent person with a limited education into profiteering at my expense which I will not be your victim. 
Please see all attached this is my response to your XX/XX/XXXX letter from Chase Mail Code XXXX P. O. Box XXXX, XXXX OH XXXX. I will not be your victim of senior abuses. There is a new law against this type of crime ; XXXX, President Trump signed into law the Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), identifying the need for data on elder abuse. An elder abuse case has many stages from the incident through investigation ( by adult protective services or law enforcement ), prosecution, and trauma recovery.
Product: Debt collection

on XX/XX/2022 I SENT OUT A VERIFICATION LETTER AND A VALIDATION LETTER AND THEY SENT BACK LETTER ON XX/XX/2022 STATING THAT THEY CLIENT HAD VERIFIED IT WITH THE CLIENT AD SENT A BILL AS VERIFICATION .... ON XX/XX/2022 I SENT A LETTER ASKING THEM TO PROVIDE ME METHOD THEY USED TO VERIFY ..... I ALSO ASKED FOR THEM TO SEND ME ALL DOCUMENTATION WITH MY SIGNATURE ON IT ... .... AND THEY CONTINUE TO SEND THE SAME BILL SAYING THAT IS HAS BEEN VERIFIED BUT NO DOCUMENTATION TO SUPPORT THE DEBT
Product: Consumer Loan

ON XXXX I HAVE RECEIVED A SPECIAL INVITATION BY MAIL FROM DISCOVER TO APPLY FOR A PERSONAL LOAN. ID # XXXX OFFER EXPIRES ON XXXX XXXX. SO, BEFORE I APPLIED FOR THE LOAN ON XXXX XXXX. I HAD CHECKED MY SCORE AND USED THEIR CALCULATOR THEY PROVIDED TO SEE WHAT THE APR WOULD BE. 13.99 %. OK, SO I CALLED AND ASKED A FEW QUESTIONS. XXXX DO YOU PRESCREEN THE SUBJECT BEFORE THE INVITATION. ANSWER : YES. XXXX WILL YOU INVITE IF CRITERIA IS NOT MET. ANSWER : NO. SO ONCE I GOT MY ANSWERS. I APPLIED. AND THEY DENIED ME. NOW I HAVE UNWANTED INQUIRY ON MY REPORT WHICH KNOCKED MY SCORE BY XXXX POINTS. AND FOR WHAT? I HAVE BEEN WORKING EXTREMELY HARD ON FIXING MY CREDIT SO I CAN HELP SECURE A FUTURE FOR MY FAMILY. I GOT MY FIRST BREAK FROM XXXX XXXX XXXX WITH A {$300.00} CREDIT CARD, IN LESS THAN 18 MONTHS I HAVE OVER XXXX WITH XXXX XXXX. I HAVE APPLIED FOR OTHER CREDIT CARDS SINCE. AND NEVER DENIED WITH ANY XXXX. NOW I HAVE OVER XXXX WORTH CREDIT CARDS AND XXXX CAR LOAN, THAT 'S HOW HARD I WORKED TO GET HERE, TO BE STABBED BY DISCOVER WHO I HAVE A XXXX CREDIT CARD FROM THEM WHERE I MADE OVER XXXX PAYMENTS THE 16 MONTHS TIME AS A CUSTOMER AND UNDER 25 % UTILIZATION. I AM OUTRAGED WITH THEIR TACTIC TO XXXX MY CREDIT. JUST BECAUSE THEY CAN.
Product: Credit card

My credit card was charged without authorization. I have supporting documentation regarding the transaction with an independent auto mechanic, XXXX XXXX, who placed the charge without my authorization and without repairing my car on XXXX XXXX, 2015. My car would not start and needed diagnostics to find the problem. XXXX XXXX XXXX came to my house to diagnose the car while I was at work. Without calling me before doing any work, as requested requested and required by NYS Motor Vehicle Repair Shop Regulations, XXXX alledgedly changed the spark plugs, then took my Chase credit card from the car 's center console and charged it for {$190.00}. When I got home the car did not start. I had to have it towed to XXXX XXXX who diagnosed the problem and found it was bad gas in the tank. The correct service including emptying gas tank and cleaning gas lines was done by XXXX XXXX who was paid in full for repairing my vehicle {$680.00}. After submitting substantial evidence including errors in the XXXX XXXX estimate, no authorization or signature by me to charge my card and violations of multiple sections of the New York State Motor Vehicle Repair Shop Regulations ( see attachments ), Chase has refused to reverse the XXXX charge by XXXX Auto. After giving Chase everything they asked for and spending many hours on my case, ultimately, Chase came up with telling me I had to get a statement from XXXX or a third party mechanic stating that they have reviewed both XXXX and XXXX XXXX 's estimates and offer their professional opinion in order to win this case. The XXXX XXXX XXXX Manager agreed to accept a phone call from Chase, however, he stated his boss would not allow anything in writing. Other local third party mechanics refused to get involved. Chase has refused to issue a credit for this charge. It took Chase over 3 months to get me a final notice of refusal on XXXX XXXX, 2015. The initial complaint went into their system as a quality of service issue, however, one can clearly see through the documentation I was not provided service. I was also not called back after leaving messages multiple times by Chase customer service specialist XXXX XXXX as documented. I even asked XXXX XXXX XXXX if they did change my spark plugs, they can give me mine and keep their plugs as my spark plugs were not the problem, please help!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment, charge-off, and collection accounts. No changes were made. Below are the inaccurate items from my credit report : 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
Product: Mortgage

I am requesting lender to remove PMI XXXX XXXX and lender not get information how is appropriate PMI cancellation procedures. 

Lender Refuses to Cancel the PMI
Product: Credit reporting or other personal consumer reports

According to 15 US Code 1681a ( 4 ), as a consumer, I am entitled to privacy rights, which includes the removal of this bankruptcy accounts from my consumer credit report. This provision emphasizes my legal right to have this bankruptcy information deleted, safeguarding my privacy and creditworthiness.
Product: Credit card

I had a charge for a little over {$9800.00} which was assigned to a city flex pay plan with a locked interest rate of 9.9 %. I then did a balance transfer for a little over {$5000.00} which was at an introductory rate of 2.9 % which expired XX/XX/23 and was to be prime plus 15+ % interest, or nearly 3 times the interest for the flex plan after XX/XX/23. 
On XX/XX/23, after the expiration of the introductory rate, I made a payment of over {$6000.00}, enough to pay off the balance transfer amount as well as make the minimum payments on the other flex plans. The funds were actually removed from my bank on XX/XX/23, when the payment was finalized. On that day, XX/XX/23, I received an email ( attached ) from Citicards that I had paid off the flex plan at 9.9 % interest rate, meaning that they had not applied the payment to the higher 24.4 % interest balance for the balance transfer. I called the company and spoke to 2 agents and a supervisor ( XXXX ). They informed me that the issue with how the payment was applied was because the company 's computer system hadn't updated on XXXX, and so the computer had applied the payment incorrectly. They assured me that the issue would be corrected and to give them 10 business days to correct it. They placed a referral to the " back office '' to get the 9.9 % interest rate reinstated. I was told I would be notified once the interest rate had been corrected. 

However, this morning ( XX/XX/23 ) I called and spoke with another supervisor, XXXX, who informed me that the referral to correct the interest rate had been denied and that the current interest rate I'm paying on this slightly over {$5000.00} balance transfer amount is 24.4 %. He could not tell me who denied the referral, or why. I advised him that I understood it was the law to apply payments to the highest interest rate balances first and asked for an explanation why this wasn't done. I asked who denied the referral. I asked him what the name of the department the referral was sent to was called. He couldn't answer any of these questions. He tried to reach out to the first supervisor who helped me on XXXX, and then he resubmitted the referral for the request to have the interest rate corrected. 

It is my assertion that Citicards is participating in illegal, predatory lending practices. They are refusing to apply the payment correctly to the highest interest rate balance and they are attempting to extort 2.5 times ( and possibly higher at some point given that it's a variable rate ) the amount of interest from me that they are entitled to.
Product: Debt collection

I received a phone call last evening from a woman named " XXXX '' claiming to be from a company called XXXX ( XXXX ) XXXX. When she was asked to send me verification, she transferred me to a man named " XXXX '' claiming to be from XXXX ( XXXX ) XXXX. XXXX advised me that he did not have to provide me with any sort of written validation and that I was using this as a stall tactic, and I was wasting his time. He then told me I had 24 hours to pay this debt and threatened to take my XXXX tax return. I recorded the conversation with both representatives. The manner in which I was spoken to was despicable. I was bullied and belittled. They have contacted my family as well as my boyfriend and his family. The phone calls have continued despite being told to cease contact. According to XXXX XXXX I have a debt through " XXXX XXXX. '' When I try calling the number listed to discuss my concerns with, it takes me to a company called " multi source. '' I can not get to a person when calling this number, it just asks me to enter my social security number which I will not do. I have yet to receive any written communication via mail from ANY company claiming to own this debt.
Product: Credit reporting or other personal consumer reports

All the accounts on my TransUnion are incorrect and inaccurate
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts were opened or accessed without my authorization, and I am requesting their removal in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts 1. CREDENCE RM ( Account Number : XXXX, Open Date : XX/XX/XXXX, XXXX : {$370.00} ) XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$190.00} ) Fraudulent Inquiries 1. XXXX  ( Date : XX/XX/XXXX ) 2. XXXX  ( Date : XX/XX/XXXX ) 3. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) 4. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) 5. XXXXXXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) 6. XXXX ( Date : XX/XX/XXXX ) 7. XXXX ( Date : XX/XX/XXXX ) 8. XXXX  ( Date : XX/XX/XXXX ) 9. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ) 10. XXXX XXXX ( Date : XX/XX/XXXX ) 11. XXXXXXXX XXXX XXXX ( Date : XX/XX/XXXX ) 12. XXXX  ( Date : XX/XX/XXXX ) 13. XXXX ( Date : XX/XX/XXXX ) 14. XXXX XXXX ( Date : XX/XX/XXXX ) 15. XXXX XXXXXXXX ( Date : XX/XX/XXXX ) 16. XXXX XXXX  ( Date : XX/XX/XXXX ) 17. XXXX ( Date : XX/XX/XXXX ) 18. XXXX  ( Date : XX/XX/XXXX ) 19. XXXX XXXX  ( Date : XX/XX/XXXX ) 20. XXXX XXXX ( Date : XX/XX/XXXX ) 21. XXXX XXXX ( Date : XX/XX/XXXX )
Product: Debt collection

Calling multiple times a day every day regarding a late paymentcalling multiple times a day every day regarding a late payment. 
One Main Financial mentor Branch has exceeded the number of allowed calls a company should be making to a person. 
On XX/XX/XXXX between the hours of XXXX and XXXX there were four calls made two within the same hour
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX all have different totals for my credit report which is damaging my name and my possibilities on getting employment potential housing and car loans as well as just information that is completely unfounded, as well as posting medical debt and posting accounts that have been bought by companies that I've never done business with and calling it accurate. This is a pure case of Defamation of character and I'd like it to be resolved ... ..
Product: Debt collection

To Whom It May Concern, I am writing to express my frustration and dissatisfaction with the persistent and unsolicited text messages I have been receiving from LVNV Funding collection agency. Despite opting out of their communications, I continue to receive texts demanding payment. This is not only a violation of my privacy but also a clear disregard for my explicit request to cease such communications. 

Furthermore, I did not authorize XXXXXXXX XXXX to share my personal information with LVNV Funding agency. I demand proof of my consent to have a relationship with this creditor/and LNVN Funding and any documentation that shows I agreed to the terms under which my information was shared towards both companies.

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I believe that the sharing of my personal information without my consent violates these principles. 

I expect an immediate resolution to this matter, including the cessation of all unsolicited communications and the provision of the requested documentation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Went to Santander bank 's website ( https : //www.santanderbank.comXXXX ) to see what's available, I called customer service to verify possibility to have a checking account. After given a positive response I proceed to fill in my personal information and make the required initial deposit, a healthy {$500.00}. After welcome to your application email, was only followed by a " Denied '' second email. When calling to the provided phone number the representative told me to do it a second time due to my VPN because they were not able to see that I am in USA. In  doing so for second time without VPN I encounter the same outcome, " denied ''. Called a second time and the representative said : '' oh let me see with the person in charge of new accounts and we will call you back in a couple of hours '' ( NEVER happened!, all a lie! ) So now in speaking to customer service again ( third time ) :, Contacting Santander over the phone : the representative stated that Santander was unable/unwilling to provide a reason as to not opening the above mention account on line. 

The email says : " We are sorry, but we are unable to open your Simply Right Checking account online, since we were unable to verify some of the information on your application. 

We may be able to open your account in person at a Santander branch. '' So I offer them to send a certified letter/note with my DL copy and Passport because is so far away from me -- but the representative/supervisor stated there are still no guarantees that they would open an account. 

This is not good business sense and extremely poor customer service! And very poor untrained personnel, ( they all have a different response or don't know how to help you )
Product: Credit reporting, credit repair services, or other personal consumer reports

during covid 19 i had late payments on two accounts XXXX  and XXXX  account i actually signed up for the payments to be pushed to the end and i have provided paperwork showing that the payments was pushed back. Also a bill was passed that protects our credit during that unexpected time. i sent letters over two months ago i have all of my paper train and letters and dates they was sent. they have not sent me anything
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I went to XXXX XXXX for an XXXX  XXXX. I was immediately asked for payment before anything was submitted through insurance and presented with a " payment plan ''. I asked repeatedly if this payment plan was a credit card and if it would do an inquiry and report to credit. I was told 5 times it would not. However this is NOT the case. I was lied to by the hospital staff in an attempt to sell a credit card for their own kick back. I filed a complaint and the credit card was immediately canceled, I filed a dispute on the account as I never signed anything nor gave permission for credit reporting or an inquiry to take place. The card was removed from my credit report but the inquiry never was. I recently had to dispute the credit inquiry but the inquiry is denied. I am so distressed over predatory practices from this hospital staff. I specifically said I did not want a credit card nor any inquiries and here we are. I am disgusted and hurt. I will attach my dispute results from Equafax most recently who approved the card being removed but is denying the inquiry. I NEVER signed anything how is this legal????
Product: Credit reporting or other personal consumer reports

See my other complaints. Banana Republic did not refund the product that was returned to them. As a result, Barclays ruined my credit and will not respond.