23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a complaint against XXXX and AFNI, Inc. 

On XX/XX/XXXX a collection item was reported on my XXXX  credit file by AFNI , Inc. on behalf of XXXX  in the amount of {$470.00}. I deny owing this debt and I want a full  investigation and removal of this information immediately. I want sound evidence from XXXX detailing the events of my service transfer in XXXX and details to support the debt of {$470.00}. 

Over the past several months to a year, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX AFNI, Inc to date. Accordingly, I am requesting that you investigate my dispute under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ].

I am requesting your assistance in putting an end to this matter. Please review the attached details and other documents. If you have any questions or need additional information, please contact me at the address listed below.

Thank you for your assistance.

Details : 1. In XX/XX/XXXX I was living in apartment at XXXX XXXX XXXX. XXXX  XXXX, XXXX, IL XXXX. During that time I had, and still have, XXXX cable. 

2. During the same month of XX/XX/XXXX, I switched apartments moving from XXXX  XXXX to XXXX  XXXX. I made arrangements with XXXX to have the service transferred. 

3. On XX/XX/XXXX, the attached XXXX bill shows a balance of {$230.00} for XXXX  XXXX. 

4. On XX/XX/XXXX, the attached bill show a credit {$230.00} and a {$0.00} balance. 

5. Conversations with a XXXX representative said they would link the new account, because I wanted to keep my email & same land line phone number. The attached document dated XX/XX/XXXX is a confirmation email from XXXX stating the accounts have been linked. 

6. XX/XX/XXXX is a summary of new service. See attached document. 

7. XX/XX/XXXX is new service address for XXXX  XXXX, with an amount due of {$2.00}. 

8. XX/XX/XXXX payment was received {$2.00}. 

9. The rest of the story is history. I am still residing at XXXX XXXX XXXX. XXXX  XXXX, with the same XXXX service from XXXX. 

10. Over the past several months I have disputed this matter with XXXX directly & I have gotten no answers and more importantly no evidence or details proving that I owe this debt to them. 

11. On XX/XX/XXXX, I received an alert from XXXX  stating that a collection item was reported on my file by AFNI, Inc. I called AFNI to confirm if this was from XXXX. 

12. If, I owed them past due balance they would have ended my service with them. Its been over 2 years & I still have no answers. XXXX is clearly in the error and they are trying to push their poor record keeping on me. I will not stand by and be robbed by this giant who is bullying customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act ( XXXX XXXX XXXX XXXX  Account # XXXX ), ( XXXX Account 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: Checking or savings account

On XX/XX/2021, I received unauthorized transactions alerts to my Bank Of America ( BOA ) Business account ending XXXX. Immediately upon verifying the transaction I froze my account and contacted BOA. I was told that there would be an investigation and to give them up to 45 days to resolve. Within hours my claim number XXXX amounting {$1400.00} was denied. At the same time of denial I had been intouch with XXXX since from my bank statements I could see somehow thats how the fraud occurred. XXXX after a short investigation had verified the transactions to be FRAUDULENT and assured me once Bank Of America contacted them ; my funds would be reversed. However after numerous attempts of explaining and even giving documentation to BOA ; I was only insulted in writing and over the phone. One representative went as far as accusing me of purchasing XXXX since that was one of the transactions according to him .On average I deposit as much as XXXX XXXX into my account which is supposed to be insured. However in this case BOA only need to contact XXXX and refuse to do so.Please Help
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute letters to Transunion, XXXX  and XXXX  In XX/XX/2021, XX/XX/2021 and in XX/XX/2021. I submitted along with my dispute letters a copy of my FTC identity theft report, a signed and norarized identity theft affidavidt, my state ID and a copy of my social security card. 

I received letters from all 3 bureaus stating that I needed to submit copies of identity theft reports and identity theft affidavidt, .I have already submitted those documents along with my dispute letters to them, and I believe they are refusing to correct the inaccuracies on my report on purpose. 

They did not investigate the inaccurate accounts, instead sent me a letter asking for the paperwork I already sent to them. This has been going on for more than 90 days. They did not investigate the inaxxuracies and did not honor the ID theft and FTC report i submitted to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

information repotting on my XXXX  0n XX/XX/20 from navy says I have 39 serious delinquency. this is absolutely incorrect. I have never been delinquent on my accounts. and if it shows delinquent it was cuse of Identity thef not any doing by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated this account 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 : {$5400.00}
Product: Debt collection

CBE Group is reporting a collection on my credit that I do not owe. I have no idea what this debt is for. CBE Group did not send me any notifications. I have not received any letters in the mail or any phone calls regarding this debt. CBE Group is in violation of my 30 day right to dispute as this has been added to my credit file. This debt needs to be removed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, I got an Pay Day Loan at XXXX XXXX, I ended up in the hospital, and I was not able to pay my balance, of XXXX. I received an phone call stated that if I do n't pay {$300.00} I will be getting arrested, and have to pay court fees. 

The company name that called me said they are working for XXXX XXXX, was collection, American Credit Financial XXXX. XXXX XXXX, XXXX, GA. XXXX XXXX Office Phone Number, and Fax Number : XXXX. 

Once the money was paid, I did not get an paid in full receipt, and when I called back to XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX. 
Company Phone ( XXXX ) XXXX. 

XXXX XXXX does not have an account number showing that this account was paid in full. When I called to confirm payment, the person answering the phone kept hanging up the phone on me. 
It 's not showing on my credit report that it 's paid. After I made payment with pre-credit card XXXX last 4 numbers on credit card. payment XXXX. 
The payment was done over the phone, they refused to take payment by mail. 

I paid with pre-paid credit card, and I did not receive an statement to show that this money was paid to XXXX XXXX for Pay Day Loan. 

I request assistance in resolving this matter.
Product: Debt collection

I rented a condo from a rental management company, XXXX XXXX XXXX XXXX. After moving out when the lease ended I noticed they placed a large debt on my credit for {$5700.00}. I have no idea why or what it 's for. I 've emailed the rental management company ( XXXX XXXX, the owner ) twice and both times she responded it was an error, that it would be corrected. I 've disputed several times to credit report agency with not results. I do not owe this and the management company never answers my calls or requests. The owners of the unit ( investors ) XXXX XXXX XXXX will not respond either. I will say this, while I lived in that condo their accounting was terrible. They 'd place late notices on my door when the rent was already paid. I 'd call and it would take days for them to get back to me and verify they located the rent I 'd sent. Now this. This is not my debt. I have a copy of the rental lease, the correspondence between myself and XXXX XXXX, the rental agent that managed the property and the collection notice.
Product: Checking or savings account

I tried to get Treasury Direct Form 5444 filled out verifying my identity. The banker claimed he could help me. I had an appointment and wasted my time and money going over there to say he couldn't help me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX file ) XXXX XXXX XXXX ( Experian file ) appeared on my credit report dated XX/XX/year>. 
I didn't authorize any inquiry about my credit. 
Contacted the XXXX XXXX at the dealership. They sent a letter on my behalf to XXXX and Experian requesting the deletion of the XXXX XXXX. I also sent a certified letter to XXXX and Experian requesting the deletion of the XXXX XXXX.
Product: Debt collection

I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing my XXXX  score from increasing. The four companies are : 1. XXXX XXXX 2. Jefferson Capital XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to XXXX While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred preXXXX. I filed police report and secured my credit record with XXXX XXXX XXXX. Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. Notwithstanding my requests to these collection companies, I expect that all negative reporting on these preXXXX charged-off accounts should have come-off my credit reports by now. Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX. 

Your time and thoughtful consideration are greatly appreciated. 
Thanks, XXXX XXXX, XXXX
Product: Debt collection

My name is XXXX XXXX and I am filing a complaint because my rights under the FDCPA and FCRA have been violated by Hunter Warfield. I XXXX of 2023, I became aware that Hunter Warfield was reporting a collection account related to an apartment lease. The original balance of this account was listed at {$1700.00} and {$1700.00} ( The amount is inaccurately reported between the three bureaus ) but has ballooned to {$1800.00} and is still rising. This is because I found out that a 4.75 % interest rate has been put on this debt, even though there is no interest rate related to the original account. This is a violation of the FDCPA. I sent a dispute letter to this collection agency to inform them of this violation, as well as to validate the debt itself. In their response, I discovered, through basic addition, that the amount that they claimed that I owe is completely incorrect based on their own records and that they have been inaccurately reporting this debt for over a year now. I demand that this debt be removed from my credit report because the collector doesnt even know how to do basic arithmetic when calculating the amount that they claim that I owe. They have also been violating the law by including this interest rate on the account that is not in any contractual agreement. The debt being listed on my credit reports is completely erroneous and fraudulent and is defamatory to my character. Since Hunter Warfield has expressed their intent to break the law, I would also like to see their license to collect in the state of Florida, license # XXXX, be suspended or revoked so that they can no longer engage in this fraudulent activity. I was denied for an apartment, a bank account, and for lines of credit due to this companys refusal to correct this inaccurate reporting. I have suffered financial and reputational damages and my character has been defamed. My case against this company is open and shut and I do plan to take legal action if this is not resolved. I want this account deleted from my credit report immediately and I want this companys license to be put under review by the Florida Office of Financial Regulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item has been reporting on my credit and i have tried to dispute it directly with the company, but i have not been success.The following accounts are not mines and to my best of knowledge i am a victim of identity thief.

XXXX XXXX XXXX XXXX XXXX

$XXXX XXXX  BANKRUPTCY COURT

Docket #: XXXX  

BANKRUPTCY COURT

Docket #: XXXX

BANKRUPTCY COURT

Docket #: XXXX
Product: Vehicle loan or lease

The account balance with the company deal depot is significantly higher than what is reported on my credit. I have spoken twice to account representative in reference to this without much success. I feel due to this ongoing issue the lesser amount reported on the credit should be honored
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017, total amount : {$200.00}. I booked a air ticket with XXXX air online with wrong date. I called XXXX back with in 3 hours to request to cancel my ticket. They rejected. Then I sought to get help from Bank of America Visa credit card help to dispute the charge. Per Department of transportation 24 hour rule : '' All U.S. and foreign air carriers regarding compliance with the customer service rule that requires carriers to hold a reservation at the quoted fare for 24 hours without payment or allow a reservation to be cancelled within 24 hours without penalty ( the 24-hour reservation requirement ). '' But BOA credit card company visa card customer care rejected me any request in this case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request to Update Public Records with Phone Number Dear XXXX XXXX XXXX, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX XXXX XXXX XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has committed fraud by reporting inaccurate information on my report since XXXX. I have repeatedly reported them. I do not owe {$140.00}. I am supposed to receive a refund of {$1500.00} once the amount was paid. 
On XX/XX/XXXX - A check was issued by XXXX for {$120.00}. Yet they continue reporting to the credit bureaus!
Product: Debt collection

Dear XXXX, Americollect sent a debt collection notice via mail to collect for XXXX XXXX XXXX SC in the amount of {$1.00} on XX/XX/2022. Americollect dated the notice as XX/XX/2022. 
I called Americollect and told them that XXXX XXXX XXXX was contacted in the summer to give me a detailed bill after I received a notice from them that I would be sent to a collection agency if I didn't pay them. The XXXX XXXX XXXX XXXX department told me to disregard the bill and they would sent in the correct codes to my insurance company. However, the didn't carry through on their word because I received a debt collection notice. I called my insurance company and XXXX XXXX XXXX never sent them the correct codes. So my insurance company called the doctor who provided XXXX XXXX XXXX with the medical billing codes ordered and preauthorized and they forwarded it to XXXX XXXX XXXX again, but XXXX XXXX XXXX did not follow through again, leaving me without resolution. 
Please help me end the debt collection notices from both Americollect XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX phone number XXXX and XXXX XXXX XXXX. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is listing two separate accounts as in a Charge-Off status. Both accounts have been paid in full. They did not correct their errors when I had requested them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Commonwealth Finance and XXXX XXXX XXXX are both reporting my old debt of about 4 to 5 years ago as new account and both are showing up on my credit report.
Product: Debt collection

I was told today on the phone that an old cell phone bill from 2002 I am going to be sued in XX/XX/XXXX for this debt, I was told the collection agency is n't suing me, its going to be litigated which has no statue of limitations.