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

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI Debt Collection is reporting a XXXX XXXX  account on my credit report. This collection was paid in 2018. I called AFNI on XX/XX/XXXX and XXXX requesting that the account be removed immediately from my credit report. AFNI requested proof of payment which was sent in by email on the XXXX of XXXX. I am currently in the process of attempting to obtain a mortgage which I explained to the customer service employees. The day that the account showed up on my credit report I had just had a mortgage company put in an application for a mortgage. I was denied because of this account. I only have a short time to shop around for a mortgage but I can not do that at this time because AFNI is reporting a collection on my credit report. I would like for this to be removed immediately from my credit report.
Product: Checking or savings account

I sent detailed complaint letter to CFPB on XX/XX/XXXX and again on XX/XX/XXXX detailing along with my Certificate of Deposit ( COPY ) that USAA Absorbed my. CD held as Collateral in the event I did not pay the balance the Full Balance Due on the use of a Secure Credit Card. I Paid all of the Owed Balance my Credit Score did not fluctuate on the basics of me not paying USAA back on my use of the Credit Card and When I Said Close the Card Account and return my Over XXXX CD back to me USAA Did not Comply with my request and I still have the Certificate ( COPY ) sent to ( CFPB ) ON XX/XX/XXXX. With an address in XXXX XXXX of USAA Savings Bank. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX Date of Notice about the same before time on and of my request to Close use of the CD from XX/XX/XXXX to XX/XX/XXXX this is now XX/XX/XXXX. XXXX XXXX issue date XX/XX/XXXX. My name XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX my Phone XXXX.
Product: Credit reporting or other personal consumer reports

I am currently in the home buying stage, where I soon realized I have damage & negative items on my credit report. According to 15 U.S.C 1681 there should not be any damages on my report it is a defamation of my character, as all of those listed are fraudulent accounts.My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Eight Fraudulent accounts unauthorized identity theft : XXXX open XX/XX/XXXX balance {$18000.00}. XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX balance {$1000.00}. XXXX XXXXXXXX XXXX opened XX/XX/XXXX balance {$670.00}. XXXX XXXX XXXX opened XXXX XXXX balance {$1100.00}. XXXX XXXX XXXX opened XX/XX/XXXX balance {$220.00}. 
XXXX XXXX opened XXXX XXXX balance {$1000.00}. XXXX XXXX XXXX XXXX balance {$2100.00}. XXXX XXXXXXXX XXXX opened XXXX XXXX Balance {$10000.00} fraudulent addresses connected to fraud never lived there XXXX XXXX XXXX XXXX, XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX
Product: Vehicle loan or lease

Purchased a vehicle in XXXX from ADF Automotives out of XXXX, Ms . Had major problems with the purchase later to find out the vehicle was salvage and this was the reason for the persistant problems. Have all proof and documentation on this behalf as it was left in the vehicle. I took the car to be fixed 5 or more times within a year. They kept my vehicle a full month at one time. I am and was a very loyal customer paying ALL payments on time every time. Never missed one til this day. I paid almost 10K on the car before I traded it in. Had to go through a lot of drama just to get a trade in as they gave me a run around after complaining numerous times even though their contract states you can trade after so many months of service. After letting the company know of further action about to be taken they insisted on fixing the problem and me getting another vehicle. I purchased a new one with the company. The company sold the salvage car a week later. And failed to put the XXXX  to my new account. Basically making me start completely over having no trade in. They also just got away free with XXXX which is a lot of money. I found out this was illegal through proper services explained. Two weeks later I received a clear and free title for my new car purchased. The company failed to put a lien on it from the new agreement and signed the car over completely to me. This then became a problem as I was threatened and told something could be done " By the push of a button ''. I never signed a new contract with them to get the lien and they got one anyways. I then  got a heads up through an attorney that XX/XX/XXXX my name was forged to get the signature if i did not re sign paperwork after the contract was broken. Now I am having ANOTHER problem as I have had the newer vehicle from them for 8 months now. Paying thousands of more dollars to find out that my balance has never went down and is higher than when I originally started the loan. These people are scamming me out of thousands and thousands of dollars. I have almost paid $ 13000- {$15000.00} and have gotten no where. I am looking into legal help as I do not want anyone else to go through this torture it's sickening and they know exactly what their doing. They are a complete rip off. I have all documention from pictures. Payment receipts. And all documentation I need to prove I am indeed being messed over. I have tried to have an understanding with the company and the owners but they do not take it seriously and are doing nothing to fix the problem. The owners wife XXXX re did my account. The husband ignored me. On top of every month being harrassed on behalf of insurance they say I never have and I do faithfully every time. I need someone to look into this company as I have others willing to sign a petition on behalf of being scammed by this company.
Product: Debt collection

XX/XX/XXXX balance claimed is {$840.00} contacted cox because name of creditor is XXXX XXXX XXXX collected my AFNI XXXX I have no balance due with them and left in good standing with them back in XXXX not even XXXX. Have disputed many times and gets cleared from account then new amount and new date appears again. When I look up AFNI I see many many people have the same claim this is a scam and fraud and I need it removed. This is not right. Ive never had a debt collection and have paid everything on time.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XX/XX/year> Resurgent/LVNV Funding XXXX XXXX XXXX [ XXXX, SC, XXXX ] Subject : Request for Debt Validation under Section 609 of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally request validation of the debt that your company claims I owe, as per my rights under Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). I recently obtained a copy of my credit report, and I noticed an entry from your company regarding a debt that I do not recognize. 

The account in question is : - Original Creditor XXXX XXXX XXXX ] - Account Number XXXX - XXXX. 

In accordance with Section 609 of the FCRA, I request that you provide me with the following information : 1. **A copy of the original signed contract or agreement** that substantiates the debt.

2. **The full account history** and itemized statement of the account in question, showing all charges, payments, and fees.

3. **Verification and documentation** of the chain of custody of the debt, including any transfer or assignment to your company.

4. **The name and address of the original creditor** if different from the current creditor.

5. **Proof that your company is licensed** to collect debt in my state, including the license number and the effective dates of the license.

Additionally, please provide me with a full description of your process for investigating and verifying the accuracy of this debt, as well as any documentation you relied upon in reporting this debt to the credit bureaus.

Under the FCRA, you are required to provide me with accurate and complete information regarding this debt. If you are unable to validate this debt, you are obligated to promptly remove it from my credit report and cease any collection activities.

Please consider this letter as a written request for a full validation of the debt in question. Until I receive this information, I am disputing the validity of this debt, and I expect you to mark this account as " in dispute '' on any reporting to the credit bureaus.

I also request that you provide a written response within 30 days of receipt of this letter, confirming that the debt has been validated or, if you can not validate it, that it has been removed from my credit report.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

First Tennessee Bank was made aware of fraudulent charges and ignored my request for help n
Product: Credit card

I stayed at XXXX XXXX XXXX XXXX XXXX from Tuesday XX/XX/XXXX to XXXX XX/XX/XXXX and piad with my AMEX Corperate Card. 

Upon check out the hotel refused to provide me with a receip. The desk worker was incredibly rude and just kept yelling that its their policy to to give receipts. After much argument she finally printed out a checkout confirmation that stated that i checked out at XXXX XXXX on XX/XX/2023. 

The hotel then proceeded to charge me for an extra day. First claiming i checked out on Sunday. Once that was proven to be impossible the hotel changed their story and is now claiming i checked out at XXXXXXXX XXXX  on XXXX the XXXX. 

I have raised a complaint with the hotel. XXXX XXXX and American Express. All which have failed miserably to understand let alone remedy the issue. The hotel has been completely unresponsive while XXXX as failed to follow up after talking to a manager at the elite support line. AMEX failed to follow their own dispute procedure and out of systematic incompetence has repeatedly failed to investigate the matter in a timely fashion. 

Attached documents 1. 
the receipt from the hotel with a time stamp of XXXX Sat XX/XX/XXXX. 

2. 
Proof I Returned my rental car at the XXXX XXXX XXXX at XXXX XXXXXX/XX/XXXX 3. 
Proof i was on board a XXXX flight which depared at XXXX XXXX. Meaning i was on board the aircraft no later the XXXX XXXX and at the airport no later then XXXX to be in time to check luggage. 

4.

Proof i checked into a XXXX XXXX  in XXXX by XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX has adamantly refused to correct the billing issue and provide a correct receipt for the charges. They first insisted i had checked out Sunday the XXXX and then later claimed i checked out at XXXX XXXX  Saturday. Both are impossible and the hotel employee keeps making up more lies to try and cover her mistake. Hotel mgmt has failed to act. XXXX XXXX and AMERICAN EXPRESS has been allowing fraudulent activity to go on under their watch and has done nothing dispite the overwhelming evidence that has been providedto them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/2020 I discovered two accounts on my credit report that do not belong to me. The only reason why I even looked at my credit today is because I was going to ask for a credit line increase for one of my credit cards and I wanted to make sure they would approve the credit increase. The account names are XXXX XXXX XXXX XXXX XXXX XXXX. I have no relationship, contract or agreement with either of these companies and I did not give them permission to run or access my credit. At this time I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I have filed this report to the best of my knowledge.
Product: Mortgage

I purchased the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX  years ago I refinance the property back in XXXX with the company. 
By the name of. XXXX XXXX. went into bankruptcy Sometime around XXXX. My mortgage was transferred to Fay Servicing. I continue to make payments as I did to XXXX  without any issues until the pandemic hit when the pandemic hit in XXXX of XXXX,. Immediately XXXX of the occupants residing in my building begin to have issues paying rent, which was contributing to the mortgage. One person was immediately fired or laid Off .Another individual Who worked for the airline was only getting paid once a week? Or worked only once a week due to lack of work, he worked for the airlines. Another individual who worked in close quarters with others at a bakery continue to get exposed to the virus from other workers. For XXXX whole year, I struggled to make the payment on time until XXXX of XXXX. I Initially contacted face servicing and asked if there was any way I could XXXX  restructure or modify my loan. I was always told the investors have to make that determination. The investors I don't want to do that. It was always the investors no options. Or additional assistance was ever offered by this entity. 
So I felt I had no other alternative but to sell the property. The amount due on the loan was XXXX sold the Property to an investor who I knew was. 
Good good at maintaining his property. Because I was concerned about the tenants who I had developed relationship with. Over the XXXX  years I had on the building. I sold the building for below market value. To ensure again a smooth transition and that the individual. I sold it to would maintain the building keep the current tenants And keep the property up. 

When I received a copy of the payoff statement. I couldn't believe the exorbitant fees Fay servicing had added on to the pay off. ( I will attach a copy of the payoff ) I neglected To inform you that I have been involved in the real estate industry for over thirty five years. I currently hold a XXXX XXXX XXXX XXXX XXXX XXXX in the State of Illinois. I have also been a notary signed agent for the past XXXX period and upon graduating from grad school. I worked 10 months in a mortgage company. XXXX and natural tin. 
So, I was quite aware that the fees, they included on my pay off were not the norm. THESE FEES WERE unusual For example, they charge me for early payoff. my initial agreement with. 
XXXX  XXXX was that I had to keep the property for XXXX  years. I had the property more than XXXX years. They charge me nadditional fees for that. And then there's a for {$10.00}, XXXX fee, With no explanation!! They just tossed it in. I also went online and review reports regarding Fay servicing and their owner.. So this is somewhat typical of what they do to consumers. I would appreciate any assistance you could provide me. In regard to this ma matter. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/year> Carvana LLC XXXX XXXX XXXX XXXX, XXXX, PA XXXX Dear XXXX XXXX I purchased a vehicle from Carvana on XX/XX/year>. The full amount was deducted from my account, and I have proof of payment. I provided my banking information for account verification purposes but was not informed that the payment would be immediately deducted. 

On XX/XX/year>, I received an email stating that the sale was canceled due to potentially false, misleading, or unverifiable documents. I had provided a Power of Attorney ( POA ), UCC Filing Statement, my state national ID, an affidavit stating that I do not need to register the vehicle for personal use, and a lien on the vehicle. This was a consumer credit transaction, not a commercial transaction. My application served as my Bill of Exchange. 

Despite the deduction of funds from my account, the transaction was canceled, and the vehicle was sold, leaving me without a vehicle or the money I paid. The Federal Reserve Act sections 16 part 1 and 2, along with 15 U.S. Code 1662, 15 U.S. Code 1638, and 15 U.S. Code 1605, outline the legal framework governing consumer credit transactions and associated rights.

As a consumer, I have the right to fair treatment, transparency, and clear communication in my financial transactions. The Truth in Lending Act ( TILA ) protects consumers from inaccurate and unfair credit practices, while the Consumer Credit Protection Act ( CCPA ) ensures that consumers receive accurate information about credit transactions. 

I request that Carvana address this matter promptly and provide a resolution that restores the deducted funds or fulfills the initial agreement by providing a vehicle of similar value. I expect clear communication and fair treatment throughout this process, in accordance with my consumer rights and the relevant laws mentioned above.

I look forward to your response and a satisfactory resolution to this issue. 

Sincerely, XXXX XXXX XXXX XXXX UCC 1-308
Product: Debt collection

A representative called me and I missed the call. When I called back a rep named XXXX answered and asked to confirm my name. I confirmed my name after asking which company he represented. Due to his accent which fluctuated during the call ; I thought he said he was from " XXXX ''. He then said he was calling about a " paper '', and asked me to confirm my social security number. I do n't believe he identified himself as with a debt collector. I stated that I had no business with his company, and do not feel comfortable sharing my private information with him. He clarified the name of his company as Halsted Financial Services. He stated that he already had my private information on file. I reiterated that I have no account with his company, and am uncomfortable with him having my private information. Realizing by his tone that he was a debt collector ( I had not heard of the company before ) I asked that he communicate by writing instead so that I could confirm his claim that I had business with his company. In the middle of making my request he called me " uncooperative '', stated that they would take action against me, and hung up on me. 

I know that it is my right to be able to confirm who he says he represents, and to have their contact information so that I can verify any debt information, and communicate in writing. 

1 ) Halsted did not honor my right to communicate in writing. 
2 ) Halsted did not respect my right to not have them call. 
3 ) Halsted did not provide me with a mailing address to continue communicating regarding their presumed business. 

Halsted is in violation of the Fair Debt Collection Practices Act. 

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

This is one of my NUMEROUS 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 accounts 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 accounts : XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Checking or savings account

This is XXXX, Venmo froze my account n XXXX the money, they did it twice to me before that with PayPal. 
We need to contact the district attorney and ny state attorney general. 
They are not allowed to get away with thisPeople that run companies in such a negative manner are toxic to society, they can take what they want, when they want, change this policy and that policy whenever, however, freeze accounts/unfreeze accounts and hold our share for their own XXXX XXXX/agenda ( s ).

So I suppose while we are being ripped off, trying to make an honest living, Similar issue just happened to a friend of mine trying to pay me for rent. They paid the wrong person by mistake and now have frozen her account which leaves me left without the funds. If this isnt resolved quickly we may be looking for a new place to live. So frustrating and their support people are evasive and refer you to email only. Absolutely unacceptable customer service., I found that my venmo account had been frozen and all of my funds that I had at my disposal were being held. I spent countless hours chatting with a vast army of representatives before finally hearing from an account specialist via email. They stated that I had broken one of their policies and that my funds could be held for up to 180 days for loss prevention purposes. I stated that the only loss was my money. No matter what I did, they still have not told me exactly why my account had been frozen. I have XXXX XXXX and some change lock in my venom account and for trying to transfer out to my bank my account was frozen and after complying with thier requests for my back account statements my account was no link nger available to me with my money taken by them This is total XXXX we all should stand together and file a law suite against these XXXX
Product: Mortgage

To start, last year- when my family needed money in an emergency, I was taken advantage of by a cash-out scenario and excessive points and buy down by your agent. I only realize now, 1 year later when I go to do a streamline IRRRL just how greedy and dishonest FREEDOM MORTGAGE is towards Veterans and the VA programs- it appears they'll stop at nothing to milk as much money out of someone, and only when I begin asking questions, does the truth & lower fees and other items come out. 

XXXX XXXX, Loan Advisor, NMLS # XXXX, XXXX XXXX # XXXX was assigned to me for work on a VA STREAMLINE IRRRL. He out and out " lied to me ''. He claimed over the phone that I would be getting a ( XXXX ) XXXX Point reduction in my loan, but he could only do a 1/2 percentage, essentially taking me from a 6.25 % to 5.75 %. After signing the original paperwork, did I realize that over XXXX would be added to my loan. What was a XXXX loan would be XXXX overnight ( and this was for something that was costing me nothing?? ). Not to mention this DOES NOT MEET Federal Guidelines for a VA IRRRL, this was out and out fraud! FREEDOM MORTGAGE somehow hides the loan after a person signs them, but will provide them if asked for. After several days of asking, I realized that XXXX had lied to me and hid {$5000.00} for a 1/2 point reduction. When the numbers didn't make sense to me, I began to question him - he stopped responding to my emails and phone calls. 

I then had to demand to speak to XXXX ' supervisor ; XXXX XXXX. XXXX was very nice, and offered to remove the XXXX that XXXX had snuck in. But, in the days that followed the change in paperwork, other offers from other banks came in - I was told to send in their offer and the funding team would review it. Every time I would send a better offer in, 1-2 days later, the response would be something to the tune of " we don't view this as a competitive offer '' and cited some technicality that allows FREEDOM to basically ignore or match any offers that beat them. 

A STEAMLINE VA IRRRL is only supposed to cost about XXXX XXXX - not XXXX in hidden fees and charges. And, there should be no reason that FREEDOM is using that program to enrich themselves.