23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My husband signed for a car loan on XXXX/XXXX/15 first payment due XXXX/XXXX/15. He inquired by phone about a concern if the payment electronically went late. He was NEVER told he had a grace period of 10 days. His VA checks goes into his cu acct on the XXXX of every month and so the XXXX is fine without any change to the XXXX of the month for an electronic payment to occur.. The representative for the finance company by phone went and changed it to the XXXX of the month. We set an automatic payment on XXXX/XXXX/15 for payment the XXXX of the month and was reassured that it would be on the XXXX but it has changed to the XXXX plus additional XXXX added to the loan.We have tried to reverse charges of this and to restore to the original payment date and have called numerous times without any resolve. The representative encouraged a payment change date rather than explaining that if a payment did not reach them electronically as scheduled or payment received within the next 10 days he would not be facing a late charge, instead told him to pay XXXX along with his monthly payment and his due date would change to the XXXX or we could add it to his loan. He was discriminated by age and lack of financial knowledge. This representative took advantage of this and encouraged him to change the due date so that she could acquire this transaction. I called and was told a return call within 48 hrs from a supervisor and no call. I called again and was told 3-5 business days I would get a return call. Most financial companies are fair and usually give you all of the information as needed but this one was a mistake to borrow from with the intent to have scrupulous phone representatives that are conniving.
Product: Debt collection

The hospital provider XXXX XXXX XXXX at XXXX XXXX XXXX XXXX TX XXXX never called me to notify me of a debt and now Im getting a call from a collection agency Medicredit to pay for some amount. I specifically told them to call me is the best form of contact as I cant receive mail due to my apartment complex having homeless people breaking into our mail.
Product: Debt collection

Since XX/XX/XXXX I 've been in and out of Hospital due to an accident. And since then i have not applied to any credit cards or any loans till XX/XX/XXXX. After been getting denied for every account i pulled my credit report and found several accounts opened under my name and several incorrect addresses listed under the credit bureau. So at this point i contact the Police and file a report due to these inaccurate charges and fake addresses under my name. At this point i started to dispute every information that was wrong under my report and most was corrected. When i contacted this company Pinacle Credit Services that report a XXXX account for {$550.00}. i was requested to submit all the document that i had in my hands which i did. I spoke with several members, XXXX, XXXX, XXXX and today I spoke with a lady by the name of XXXX, all of them refused to provide me the last name or any other Identification and their response to me was that i would receive an update in 48 hours, and i never heard from them, I 've send many letters to confirm this debt and none was provided to me. Every time i tried to explain my situation for the past several years and seams to me that they just do n't care about my case. Which this account is not mine and i should n't be responsible to pay for it. And this is the reason i 'm asking for your help in getting this resolved because it 's causing harm to my name.
Product: Credit reporting or other personal consumer reports

There was a fraudulent car loan opened in my name with a stolen ID which I sent over to Ally Financial along with a photo of my authentic WA state photo ID. After opening an intial case with the fraud department, they went totally dark on me. I have no idea what the status is or when they will correct this.
Product: Debt collection

AFNI, INC has engaged in collection activity prior to validating a debt and has not submitted any documentation to support their claim.

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2021. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from AFNI via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting

Equifax Information Services , LLC XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT. {$420.00}. This ACCT. was charged off listed with wrong balance please delete. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT.. BAL : {$500.00} This ACCT. was charged off listed with wrong balance please delete. 
3. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1400.00}. This ACCT. was charged off listed with wrong balance please delete. 
4. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1200.00}. This ACCT. was charged off listed with wrong balance please delete.
Product: Debt collection

I already disputed the debt with XXXX back in XXXX I am assuming same debt was sold to this company and they re-added the debt to my credit. Ive never lived at address provided by debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed fraudulent activity and equifax has let the dispute go past 30 days. Confirmation number XXXX Also, I have sent a picture of my photo ID and social security card with the inquiries listed that are not mine on XX/XX/2022 with no response! The inquires are : 1. First phase visa XX/XX/2022 XXXXXXXX XXXX  XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XX/XX/2022 They have failed to remove these inquires that were placed on my credit profile without my consent! 

Also, there is a account called XXXX XXXX that shows as a derogatory remark that is not mine and has been disputed.
Product: Debt collection

I received a letter stating I owed {$64000.00} for a credit card. I called the bank which stated there was no record of the the debt and the account number didnt match anything in their system. They also said they didnt do business with a third party company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX file dispute with each credit report agency XXXX, XXXX and Transunion. I reached out to them because of inaccurate information that is being reported. I had a account with XXXX consumer which was open on XXXX XXXX I have suffered a lot with that company they increased the payment that I should be paying each month when the account wass open without informing me and then covid came in I lost my income due to an injury the account was not in a charge off state and it closed XX/XX/2021 but I have noticed that the credit agency 's keep reporting it as Charge off even though the account was closed and that is illegal according to the FCRA 623 provisions. 

The dispute was completed and the only thing XXXX did was update the information after I requested it to be deleted from my report. 

If you take a look at the attached information on my credit you will see that information is on my credit but no payment history on Transunion but have a charge off the information is not reported accurately and I need it removed that's utterly ridiculous and it's causing confusion. 

According to the FCRA Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


After the investigation has been completed and the account removed from my credit I would like for each XXXX, XXXX and Transunion to send me an updated report of my credit after the investigation has been complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning I logged into the Experian website to lift my security freeze. I lifted it from today XX/XX/18 through Friday XX/XX/18. I was curious if it actually lifted this time as in past times they charge me but don't lift the freeze. I got a confirmation - see attached, I then looked at my credit card statement and they charged me to lift the freeze - see attached. My bank called me about 6 hours later and stated they still can not view my credit report as it is still locked. I spent an hour on hold ( yet again ) calling several different numbers, but still Experians excuse for customer service, refused to even answer the phone. I've been defrauded of money. They have purposely and willfully stolen money from me and refused to provide a service for what I have paid. Due to their malfeasance, I have lost a business opportunity and a loan. I should hire an attorney and sue them
Product: Checking or savings account

Charges were made in XX/XX/2023. There are a total of five charges they were split into two separate disputes one for XXXX and one for XXXX. The dispute for XXXX has already been approved and resolved. I attached the exact same documents to both disputes and I have now been denied for the XXXX over 20 times even though I have been providing more paperwork from the merchant as well as from the merchants legal team
Product: Money transfers

I have a Paypal account that I have used for over 10 years primarily to make purchases. On XXXX XXXX, 2016 my Paypal account was frozen with the message, " Your account access has been limited for the following reason ( s ) : XXXX XXXX, 2016 : We would like to learn more about some of your recent transactions. '' I called Paypal and spoke with XXXX, who told me that she could give me no information other than that my account was frozen for 180 days. My issue was escalated to XXXX. He told me that the account was frozen and the money was being held to deal with any potential disputes with my account. He also could not tell me what transaction was the problem or why my account was frozen. 

I tried contacting Paypal again on XXXX XXXX, 2016. I received a message back that my account was permanently limited and my money would be held for 180 days. I currently have {$3100.00} in my Paypal balance. This money was primarily loaded from my personal checking account to make purchases. Paypal has locked my account and is attempting to keep this money without offering any explanation. The closest I have got was that it was held for potential disputes. But this is ridiculous as there have never been any disputes in my account in the over 10 year history it has been open ( and also none since they limited the account nearly 3 months ago ). It appears that Paypal is attempting to steal my money.
Product: Debt collection

AFNI Collections has reported a collection account to my XXXX  XXXX XXXX  credit files stating that I owe {$510.00}. I do not owe this alleged debt. All equipment was returned to XXXX XXXX XXXX. I have the receipts, therefore AFNI has no legal right to attempt to collect a debt. There is no debt owed. AFNI has not validated this debt nor sent me a notice of collection. AFNI is in violation of the FCRA.
Product: Money transfer, virtual currency, or money service

on XX/XX/2017 at XXXX XXXX, i initiated a transfer from coinbase to XXXX. This was my first time trying to fund my XXXX account and had never been on the site for this purpose. XXXX makes it extremely confusing and offer no customer service. I clicked the little plus sign next to XXXX instead of XXXX. 
Coinbase should never have initiated the transacation as it was not possible to deliver.
Coinbase is telling me there is nothing they can do to get my money back. 
it is in excess of over 30k usd. 

XXXX AMOUNT TRANSACTED XXXX XXXX FEES XXXX XXXX RECEIVED 15 days ago CONFIRMATIONS 6+ Advanced Details Block Hash XXXX Block Height XXXX Transaction Index XXXX ( permalink ) Size 225 bytes Lock Time Version 1 Relayed By : XXXX
Product: Mortgage

I received a statement from XXXX XXXX stating that I owe my payment to them for XXXX. I called my previous servicer XXXX and the auto message said that my mortgage was recently transferred. I never received anything from XXXX advising this. My auto payment was already sent to XXXX for XXXX. If possible, I would like my mortgage to stay with XXXX. If not, I would need the funds I sent to XXXX forwarded to XXXX XXXX, with no adverse action taken. I have already filed a separate complaint against XXXX.
Product: Credit card

On XX/XX/2024, I noticed an unauthorized charge of {$310.00} on my account from a merchant named " XXXX XXXX XXXX XXXX, '' categorized under Beauty and Spas. I did not authorize this transaction and promptly disputed it with Citibank. However, the dispute was declined with the reasoning that " your card has a chip in it, you must have used it. '' The decision to dismiss the case solely based on the use of a chip reader is insufficient, fails to address the possibility of fraudulent activity by the merchant, and is both unfair and incorrect. 

If Citibank insists that this transaction was authorized, I request that you provide clear and valid evidence supporting this claim, rather than simply stating your card has a chip in it. The merchant must be held accountable for providing proof, including a detailed receipt with my signature, to substantiate the charge. I reiterate that I do not recognize " XXXX XXXX XXXXXXXX '' nor have I engaged in any transactions with this merchant. I do not know how they accessed my credit card information and how they were able to customize charges to post on my account. This incident constitutes credit card fraud, and I am the victim
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX place me with the credit bureaus XXXX, Experian, XXXX as a debt and there is no balance owed to XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX dated XX/XX/year> showing a {$0.00} balance Policy : XXXX
Product: Prepaid card

I disputed a charge back in 2023 because a hotel charged me {$150.00} dollars. I never stayed at the hotel. I never was able to speak with anyone directly it was always by email. They said it would take months. No updates or anything
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. 

XX/XX/XXXXXXXX, I looked at my Transuion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I reached out to PHH mortgage and to update my credit report showing that this account has been paid in full and there are no delinquent amounts due.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A 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 adverse item of information other than records of convictions of crimes which antedates the report bemire than XXXX years. 

15 U.S.C. 1681S-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

list : XXXX. XXXX XXXX XXXX XXXX. {$4700.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account was paid in the amount of {$750.00} on XX/XX/2022 to the original creditor. 
Proof has been provided to Equifax as they requested via their website in the form of a PDF download. 
They removed the collection only to add it back to my credit file without the correct amount or correct name of the creditor. 
This paid medical collection should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland is reporting and should not be.
Product: Credit card

On XX/XX/XXXX I placed a SINGLE online order on the HomeDepot.com for 58 items. The total was {$2300.00} and had a single order number of XXXX. I used a promotional code for 0 % APR for 24 months on purchases over like {$1800.00}. However they broke the entire transaction down in multiple transactions to avoid the promotional rate. The Home Depot website shows a single order but their credit card shows multiple smaller transactions. They spread the transactions out over XX/XX/XXXX XXXX XXXX
Product: Mortgage

I am providing feedback regarding my previous complaint, CFPB Complaint # XXXX, filed on XX/XX/XXXX. The investigation into this matter was closed on XX/XX/XXXX, but I am requesting that the investigation be reopened due to unresolved and ongoing issues surrounding the closure of my accounts. 

As outlined in my original complaint, the bank closed my accounts in XX/XX/XXXX without conducting any proper investigation or offering adequate communication regarding the reason behind the closures. This action, which I believe was taken arbitrarily, resulted in significant emotional distress, contributing to my hospitalization while I was in the XXXX. The emotional and physical toll that I endured due to the banks actions was profound, and this distress continues to impact my health and well-being. Despite my efforts to communicate with the bank to resolve the matter, their response was limited to citing missed payments without addressing the fundamental issue of the account closures themselves or acknowledging the broader consequences of their actions. 

The banks response fails to address the core issue of the improper account closures and neglects the fact that these actions caused severe emotional harm. At no point was there an effort to investigate the circumstances surrounding the closures, nor was I provided with any meaningful explanation. This lack of accountability from the bank, combined with their failure to resolve the issue, has only deepened the stress and frustration Ive experienced. Furthermore, the response did not acknowledge the legitimate emotional and financial toll the closure of these accounts has had on my family and me. 

Given that the banks response did not adequately address the situation or provide any satisfactory resolution, I am requesting that this investigation be reopened. I am seeking a fair and thorough examination of the banks handling of my accounts and the impact their actions have had on my life. It is essential that the bank be held accountable for both the arbitrary closure of my accounts and the significant harm I have suffered as a result. I believe it is crucial that the investigation take into consideration the failure to communicate, the lack of investigation into the account closures, and the lasting emotional and physical consequences of the banks actions. 

I respectfully request that this complaint be reopened to allow for a fair resolution of the matter. The banks failure to investigate, respond properly, or resolve the issue must be addressed, and I am hopeful that the Consumer Financial Protection Bureau will ensure the necessary steps are taken to rectify the situation.