23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Attention dispute department Afni, Inc. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious Afni, Inc.
I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts  Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting

I am writing to dispute the follow information in my file. 
XXXX XXXX - XXXX XXXX XXXX XXXX ON BOTH TransUnion & XXXX. for {$15000.00}. I 've contact this agency to advise to STOP CALLING ME this case was dismissed in court XXXX XXXX, 2014. Please see the attached document from XXXX County State Court. 
Thanking you in advanced regarding this matter.
Product: Debt collection

I 've been receiving calls from Transworld about a supposed student loan in default for several months now. As far as I know, I do not have any student loans left and wanted to know more information about the origin of this debt. The amount they are collecting for is also close to the amount of the remaining balance of a student loan that was paid in full in the fall. I requested a letter be sent to me in the mail with this info so I could check it against my records. 

I received nothing in the mail and several weeks later Transworld began calling me again. When I called them back, they said they had no record of my phone number in their system and so they had no idea why they would be calling me unless I could give them an account number, which I could n't, as I still have n't received anything in the mail from them. I was finally able to answer a call from Transworld and the agent told me the reason they could n't find my phone number before was because the other agents I spoke to were n't authorized to talk to someone in my state. For the 2nd time I requested the loan info be mailed to me. This was on XXXX XXXX. 

On XXXX I began receiving phone calls from Transworld again. I still had not received anything in the mail from them. I finally did receive something today, but it is just a generic letter informing me of ways to resolve the debt, nothing about disputing it or the debt itself ( amount owed, etc. ). 

I called Transworld today, XXXX, to request, for the 3rd time, info on the loan. I explained and asked for the letter to be sent at the beginning of the call. At first the agent tried to dissuade me from requesting the letter. I told her that I know it is my right to receive that info and she became belligerent with me. She asked what kind of info I wanted and I said, " anything you have, like the origin, amounts, who it was paid to. '' She gave me some info and some of it matched the previously mentioned paid off student loan but some did n't so I asserted again that I wanted a letter in the mail with this info, so I can figure out what is going on. She tried to continue to argue with me until I reminded her, again, that by law they have to provide me with this info or stop calling me, and that this is the 3rd time I 've had to request that info. She finally relented, verified my address, and ended the call. 

I would like to figure out what is going on with this debt and resolve the situation but so far Transworld has sent me XXXX info, yet persists in calling me to collect. The last agent I spoke to was unprofessional and belligerent when I tried to assert my rights. It was also unprofessional of Transworld to not be able to look up my phone number when I called them so that XXXX of their employees literally told me they had no idea why Transworld would be calling me.
Product: Credit reporting or other personal consumer reports

Experian needs to reinvestigate The following inaccurate information once again. 

I am federally protected consumer. They are in violation of the FCRA XXXX United States Code XXXX Permissible Purpose : XXXX XXXX Code XXXX - XXXX XXXX XXXX Compliance Procedures- Accuracy XXXX XXXX Code XXXX - Family Educational Rights and Privacy Act ( XXXX ) - XXXX applies to any public or private elementary, secondary, or post-secondary school. XXXX XXXX XXXX ( b ). Experian is reporting XXXX loans accounts multiple times which are a violation as well.
Product: Credit card or prepaid card

Applied for a Capital One Wal Mart rewards card and was granted credit. I never received the card but it was used for a purchase at Walmart. I contacted Capital One via telephone around XX/XX/2021. Capital One required me to prove my identity by sending in proof of Govt ID, Social Security card and utility bill, although I have A XXXX car loan, checking acct., and 2 other credit cards with them, all in good standing. I have called them multiple times, to get the card replaced, as well as for updates on the dispute. They now tell me after over 45 days that they have to verify that the utility bill sent to them for proof of residence needs to be validated by them contacting my internet provider. That is ridiculous Every time I call, they tell me that it is being escalated. They have restricted my account as well as have refused to reissue a card. I keep getting the runaround. 
I do not have full card number... they will not provide it. It ends in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  card please remove very misleading and deceptive, I want this removed not mine, I dont appreciate this bank being deceptive to there customers and when talking with them or trying To understand any information its like dealing with a scammer and I want this off my credit report its a credit card called reflex from XXXX  XXXX  last four of that card number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home equity line of credit with XXXX XXXX. the limit is XXXX k. 
I owed XXXX and on XX/XX/XXXX i paid XXXX k down. 
For the month of XXXX, XXXX and XXXX XXXX XXXX is reporting that i owe XXXX k and this puts my at 40 % credit usage and my credit score is  going down significantly. 

I disputed with experian and on XX/XX/XXXX i received confirmation that my dispute was completed and nothing was changed. 

I complained to the bank several times and every time i'm being told that they are investigating but meanwhile my credit score has gone down over 15 points that will most likely take me a year to get back. 

this is a simple fix, just report the correct information but i cant get anyone from experian or XXXX XXXX to listen.
Product: Credit card or prepaid card

Roughly 2 years ago, I signed up with a company called Tally to chip away at some credit debt I'd racked up in college. The first round was successful and I paid everything off in full. I thought I was done with Tally as everything has been paid off ... ... 

About a year and a half later, I had some more credit card debt I was getting ready to enroll in a similar company ( they were offering a better service for CC debt repayment than Tally ). 

Before I could enroll my CC debt with my chosen company, Tally AUTO-DRAFTED 100 % of my personal CC debt from my bank account into an account with them! ( Without my active permission of course. ) Since then, I've been actively trying to get Tally to REVERSE the enrollment so I can handle my CC debt on my own terms ... 

I've contacted my bank, I've contacted Tally 10 's of times, even my chosen debt relief company to see if they can intervene somehowall to no avail. 

The worst part is, over the past 6 months of actively trying to get this resolved, Tally has been reporting negatively on my credit!!!

I have more than 9 late payments and 4 negative marks on my credit due to Tally NOT AGREEING TO REVERSE THEIR AUTO ENROLLMENT AND REFUSING TO ADDRESS MY SUPPORT REQUESTS!!! 

It's been incredibly frustrating and of course the damage to my personal credit score has been detrimental ... Hoping to come to a resolution here ...
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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: 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, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2021, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX, TN XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$160.00}
Product: Vehicle loan or lease

Going through a divorce XXXX XXXX XXXX and he is blackmailing me not doing anything thats on the financial affidavit written from attorneys. My retainer was up with my attorney so he hacked into my XXXX and I have now no cash or credit card to pay another attorney for advocacy. He hacked into my XXXX account and took everything from me changed all passwords stole my identity and will not adhere to Original financial affidavit stating that my vehicle will be paid off and put in my name there is XXXX left on my loan, but he put himself on the title. He has never driven my suv. In our home which is being sold for XXXX XXXX in XXXX Florida, he has both of my girls and we own multiple investment properties in XXXX XXXX. He is threatening me and blackmailing me, and I will be evicted now from my temporary lease because I have no money to pay and he put me in this position so that he could change the financial agreement so he says in order to not give me anything in this divorce. He filed for divorce in XX/XX/2022. I was not served until end of XXXX. I had no idea. The list goes on. I need help with this criminal before he takes my life. Thank you please help I am utterly traumatized this past year by all of these events. I dont know anybody I was a XXXX  for 11 years and raised my XXXX daughters. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct theses suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

My report should not have a certain account on each report. Ive paid all that I owed.
Product: Credit reporting or other personal consumer reports

i try to download my credit report for annual report, and experian and is imposible the only that give me info is XXXX but not give me my score.
Product: Debt collection

I filed Chapter XXXX Bankruptcy in XXXX that's has been Discharged, in which I surrendered a residential property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX back to Ocwen Loan Servicing LLC. Ocwen Loan Servicing refuses to remove my name from the deed of the property. So the City Tax office still have me as the owner of the property and billing me for the up keep of this property.
Product: Debt collection

ALLY FINANCIAL is falsely claiming that the documentary evidence that I sent to them on XX/XX/2021 and XX/XX/2021 was a debt validation request, which it was not. What I did send them was a dispute of " alleged '' debt based on the multitude of ways in which they've violated me as a consumer and natural person. Pursuant to 12 CFR 1006.38, by not responding to these disputes they have overshadowed my right to dispute the " alleged '' debt. However, if ALLY 's intention was to validate the " alleged '' debt on their own accord, they failed to do so by not following the debt validation notice guidelines set forth in 12 CFR 1006.34.

ALLY has not only neglected to respond to my disputes in a lawful manner but they have taken adverse action against me for exercising my right to do so. As per a letter I received from ALLY via dated XX/XX/2021 ( attached ), they state " we have placed a restriction on your account and will not accept payments unless they are made in certified funds such as a cashier 's check, money order, or payment through a third party such as XXXX XXXX or XXXX. '' In doing so ALLY is in violation of 12 CFR 1006.14 for oppressive and abusive conduct, 12 CFR 1006.22 for attempting to collect an " alleged '' debt through unfair and unconscionable means and 12 CFR 1006.6 ( c ) for attempting to collect an " alleged '' debt after receiving a cease communication notice from me on XX/XX/2021. 

Nevertheless, pursuant to 12 CFR 1006.34 I am lawfully entitled to request a validation of this alleged debt, which I am now officially doing. With that said I have sent ALLY and their CEO an official validation request via certified mail, which was confirmed received on XX/XX/2021.
Product: Debt collection

A PERSON NAMED XXXX CALLED ME FROM D2 MANAGEMENT STATING SHE WAS CALLING TO COLLECT A DEBT FROM XXXX XXXX OF AN AMOUNT OF {$340.00}, I STATED THAT THIS WAS NOT ME AND THAT I DONT HAVE A DEBT WITH THEM. SHE STATED THAT SHE CAN COLLECT THE AMOUNT OF {$200.00} NOW TO GET THIS OUT OF COLLECTIONS. I STATED THAT WHY WOULD I PAY YOU THAT AMOUNT IF IM NOT THE PERSON THAT OWES THE AMOUNT. SHE STATED THAT SOMEONE HAS MY SOCIAL SECURITY NUMBER AND OPENED AN ACCOUNT IN MY NAME. SHE THEN STATED MY WHOLE SOCIAL AND THEN I CONFIRMED THAT IS MY SOCIAL. I THEN LOOKED UP MY XXXX XXXX ACCOUNT AND I HAVE NO OWED PAYMENTS. SHE STATED THAT THIS IS ANOTHER ACCOUNT AND THAT I USED THE CARD THEN CLOSED THE CARD OUT. SHE THEN LOOKED UP THE ACCOUNT NUMBER AND STATED THERE IS 2 ACCOUNT, I STATED THAT IT WAS NOT ME. SHE STATED TO MAKE A POLICE REPORT AND THEN EMAIL THEM THE REPORT. THE EMAIL AND NUMBER THERY PROVIDED WAS XXXX AND THE EMAIL IS XXXX THEY ALSO CALLED ME FROM A LOCAL NUMBER THAT THE NUMBER THEY GAVE ME TO CALL BACK. I DID MAKE A POLICE REPORT. THE POLICE DID STATE THE NUMBER THEY CALLED ME FROM IS A FRAUD ALERT NUMBER THE NUMBER IS XXXX AND ALSO THE EMAIL.
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit score. Despite my efforts to resolve this directly with the reporting agency, the issue remains unresolved. 

The inaccurate item ( XXXX ) incorrect balance, late payment incorrectly reported, or an account that does not belong to me.
Product: Credit card or prepaid card

I have been using Care Credit for my XXXX bills for a number of years. The last time was XX/XX/2016 for {$2600.00}. I paid in the six months allowed without interest. I just had a XXXX XXXX in XXXX and the bill was {$2500.00}. The first bill was {$500.00} and Care Credit took it no problem, but when I went to put the balance of {$1900.00} on the card, it was refused. They had lowered my credit to {$1000.00}, not the original {$3000.00} they had given me. When I called and asked why, they said that I should have been sent a letter. I wasn't. They could not determine a reason. My last bill had been paid timely and my credit score is over 800. Then I reasoned, my age. The person I spoke to never acknowledged a reason. I will be XXXX next month. I put this charge on my regular credit card and sent a check for the {$1900.00} getting {$20.00} in reward points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my Credit Report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian and XXXX about my credit score dropping a significant amount when my student loans were transferred from XXXX to XXXX. When I tried to contact the company as to why my score dropped such a significant amount while my loans were the same, they said they don't have any authority to check my credit report or tell me why it went down.
Product: Credit reporting or other personal consumer reports

I have items 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a relationship with these creditors