23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received my credit report and found that Afni Inc falsely  reported the following account number : XXXX I have never done any business with Afni Inc and Afni Inc refuses to supply me with information concerning the date of last activity on the account, verified by the original creditor..Also Afni Inc ignored my CEASE and DESIST letter, my validation letter and many other letters Please help me find out from Afni Inc the date of last activity that XXXX XXXX has verified Thank you XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX received my FTC letters online XXXX XXXX. They also received my letters by certified mail XX/XX/2022. They have yet to reach out and address my concerns. This is deformation of character and it makes it hard for me to elevate in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MADE A PAYMENT TO XXXX XXXX, MY CREDIT CARD COMPANY IN THE MONTH OF XX/XX/2022. SUBSEQUENTLY, IT WAS REPORTED LATE ON MY CREDIT REPORT WITH ALL 3 BUREAUS. I HAVE INFORMED EACH BUREAU AND XXXX XXXX  OF THE ERROR. A LATE PAYMENT STILL REMAINS ON MY CREDIT REPORT.
Product: Debt collection

LVNV FUNDING LLC/ Resurgent Capital services are attempting to collect a debt I do not owe them, I have no contract with either party. The alleged debt has not being validated and proper documents have not been produced with any wet signatures with both parties signatures on any contract. 

I have not given the debt collector permission to contact me which is FDCPA LAW 15 USC 1692c ( a ) have the debt collector provide each and every requested document asked for on the attached statement. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected censumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date Removal date XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance Balance updated {$710.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX LATE PAYMENT Balance Balance updated {$25.00} XX/XX/XXXX. XXXX XXXXXXXX XXXX LATE PAYMENT  Balance Balance updated {$130.00} XX/XX/XXXX XXXX XXXX Balance Balance updated SO XX/XX/XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report, 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. 16815-2 ( 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: Checking or savings account

On XXXX/XXXX/XXXX, I attempted to open a Santander Simply Right checking account, after receiving a promotional offer in the mail for an additional {$200.00} once {$1000.00} is direct deposited within the first 90 days of opening. The promotional offer is XXXX. 

I submitted the application, got through the whole process, deposited an initial {$25.00} via my credit card, and then got to the authentication interview. The A/I questions from my credit report were all regarding my father, who has the same name as me. Two initial problems here : 1 ) You attempted to verify me using the wrong CB report, and 2 ) My father is XXXX. 

Then, the account was declined ( since I either failed the A/I, or a red flag went off from my father 's XXXX indicator ). 

I called into Santander at XXXX - I was told that I have to go into my local branch to figure it out. So, I called my local XXXX, DE branch at XXXX to figure out what I need to bring. They advised a copy of my driver 's license showing that I live at the address I input on my application and a 2nd form of ID. Problem number three comes into play here : 3 ) I recently sold my condo, which is the address on my driver 's license. I am temporarily living with my family in a small interim period while I am looking to buy a new house. The Santander reps told me to update my driver 's license - I advised I am not going to do that for the few months I am living with my family. 

So I asked what other documents I can bring in to prove my identity. I was told a lease agreement or a utility bill, but not a cell phone bill, or a copy of my pay stub. Problem number four comes into play here.
4 ) As previously stated, I am living with my family for a short period of time. There is no lease agreement. There are no utility bills in my name. And unfortunately my pay stub does not have my address. 

So then I asked what else I could show. I offered to bring in a copy of any one of my four credit reports ( XXXX XXXX XXXX XXXX ). I advised I could bring a copy of my birth certificate, which has my parent 's names, and a utility bill in my mother 's name. No go on that. 

I was then told I could just reapply, but no guarantees. Problem number 5 and 6 : 5 ) If I reapply, Santander will repull my bureau ( leading to an inquiry, not sure if it is hard or soft ).
6 ) If I reapply, I will lose the {$200.00} promotional offer.
Product: Credit reporting or other personal consumer reports

Im sure I never miss payments, yet this company shows late payments for certain months. Per USC 1666b, billing errors should be fixed, and my account updated to show " paid as agreed. ''
Product: Credit reporting or other personal consumer reports

Equifax refuses to update the XXXX XXXX XXXX account as CURRENT! I have said repeatedly that this account is not late! XXXX is reporting as CURRENT!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DeptedXXXX900000521746399, DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXXXXXX DeptedXXXX DeptedXXXXXXXX, DeptedXXXXXXXX, DeptedXXXX DeptedXXXXXXXX, DeptedXXXXXXXX, 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.
Product: Consumer Loan

A company named Avant has discriminated against me when I applied for A personal loan, I was approved but in the end they denied me, and refused to take my income after approval. I am now being harassed by this company they are switching passwords on me as well as hacking my accounts, hacked into my daughters phone, and my XXXX sons phone is not working properly due to the hacking, also my sons school meetings have been interfered by this company .they are worried I am going to file against them for discrimination, and harassment. they have caused me XXXX by toying, harassing,, and following me everywhere I go, preventing me from checking my credit accounts, and setting up my accounts and interfering with school meeting for my XXXX son. they are in all my bank accounts including credit cards, and they interfere when I pay on my accounts. this company Avant is very criminal, and I hope, and pray they do not keep on doing this to others also .they broke into my email, and not letting me in my mail to check messages for school or my credit accounts .they need to be investigated and prosecuted for this torment they do to people its awful. they have called me at XXXX XXXX am harassing me, and sending me messages with an old lady voice, calling my daughter with A XXXX number, they sent me a note on my cell saying they get an illicit thrill spying on me, I have asked them by email to leave me alone I do n't want any loan from them as they are criminal. I received emails at XXXX. there are many bad reviews on XXXX, and XXXX, XXXX, and news paper articles on their arrest due to discrimination, and harassing others the same as they are harassing me, and causing emotional stress I pray someone from FTC can help me with these criminals, and stop them from harassing me, and my family. this has been going on for 3 months now, and its now considered torture for us. can you please help me stop these criminals. the FTC has information on Avant they have A criminal record. they are using up all my XXXX on my daughters cell phone, and I want to get that money back from these thieves. they have done so much damage to me, and interfering with my daily life schedule for 3 months now. it has been pure torture for me, and my family we all are dealing with this company Avant, my XXXX son who is homeschooled has watched me cry, and its been awful for us. Can you please help me with this criminal company so they do n't torture anyone else like they have done to me. I thank you, and hope we can work together to prosecute them for harassment, and discrimination, and emotional distress so they do not do this to anyone else. I am willing to travel to the FTC to help with this. the chief of police, and the Attorney XXXX office has been helping me on this, and sending me your way. Thank You so much, and I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax, and several other financial institutions have been sharing private consumer information without prior consent to third partys that i have no business with which is in direct violation of 6802 ( b ) ( 1 ) ( b ). Also finacial instutions have been violations 15 us code 1681 ( a ) ( a ) ( 2 ), which state that they cant report credit transaction and they have been reporting late payments which unlawfully
Product: Credit reporting or other personal consumer reports

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Product: Vehicle loan or lease

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit card

1. I have 2 issues, Rewards Program and cash advance, I tried for several months to resolve the rewards program issue, no luck, requirements were that I had to spend over {$50000.00} per year to keep Mosaic status with JetBlue, Barclays provided annual summary that shows over {$50000.00} was spent, they still would not reinstate my Mosaic status, and would not say why. 

2.The cash advance issue began in XX/XX/XXXX, I used my credit card for a {$200.00} cash advance at an ATM machine, I did not realize this was a cash advance, I did not think much of it because I pay my total balance every month. Fast forward to today XX/XX/XXXX, I contacted Barclay 's about a recurring finance charge on my statements, every month I was being charged {$4.00} - {$15.00}, for the last 40 months, after a full day of online chat, I requested a payoff to cancel my card, they sent me the amount, however, I'm unable to pay more than is owed on the card, I got an error message whe trying to process. I have saved a days worth of contradicting chat log, I requested the payment processing to be fixed and they responded that someone would call me within 48 hours.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XXXX XX/XX/year> I Paid In FULL for acct # ending in XXXX the amount of {$25.00} as PAYMENT in FULL. Tracking # XXXX PAID IN FULL. I request that CHEX SYSTEMS update there acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX there were charges made to my XXXX XXXX Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due until XX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from XXXX XXXX in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with XXXX XXXX and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.
Product: Credit reporting or other personal consumer reports

I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody that can do it, a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account ( XXXX XXXX ) I understand the importance of following the Commercial codes in reference to this account. -UCC 9 Part 6, UCC 9-611 -UCC 9 Part 6, UCC 9-611 -UCC 9-614 ( a ), for proof that the presale letter was sent, and all requested information is included.

-UCC 9-616 ( a ) ( 1 ) ( b ) ( c ) ( d ) ( 2 ) ( c ) -UCC 9-616 ( b ) ( 1 ) ( a ) ( b ) ( 2 ), for the post sales letter.

- UCC 9-27 requires that any transaction involving this account should be commercially reasonable. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Multiple items effecting my credit score some I have already tooken care of but other that Im not aware of
Product: Credit card or prepaid card

I recently opened a XXXX store charge card. I used the card and attempted to make two payments which were returned. I put in the wrong bank account number when making the payments. Upon discovering that I had done this I promptly sent a replacement payment which posted to the account. I actually overpaid the account which resulted in a credit balance. XXXX/TD Bank closed my charge account. I called XXXX  to ask about opening the account again and the agent told me I would need to send a letter to XXXX asking for the account to be opened. I sent the letter and then called again and I was told that it wasn't possible and that I would need to reapply. I don't want to re-apply and hurt my credit score and by opening an account and immediately closing it XXXX  is hurting my credit score. I have had no material changes in my credit since XXXX  first opened my account and I've paid the balance in full demonstrating that I had the funds to pay it.
Product: Money transfer, virtual currency, or money service

My Paypal was locked for 180 days for Fraudulent Activity. I am in serious need of the funds and I would like to be able to transfer my funds to my linked cards or bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 
I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, they failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to update my credit report. For example : XXXX XXXX XXXX has been paid in full per an agreement I made with them. Simply put, it was taken to the original amount as even they realized I never received any correspondence to pay it. That said, Experian is showing my score as XXXX and often lower, whereas XXXX and XXXX have my score well over XXXX. I was in a situation back in 2018 that forced me into a small debt consolidation that was paid in full and noted as such. Everywhere except Experian. There is no reason my score should be be XXXX points lower on their bureau than the other two. They are also impossible to work with.
Product: Debt collection

Need proof of debt validation such as proof of signature, dates of service, etc.