23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Afni , Inc. 
XXXX XXXX XXXXXXXX, XXXX, IL XXXX XX/XX/2022, AFNI collections reported an account to XXXX and XXXX that was not mine. I never recieved a call or letter about this debt. This has happened before and somehow they keep doing this. MY credit was harmed and this is damaging. I do not understand with all the laws that this is allowed to keep happening. They do not seem to care. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a new BMW XXXX XXXX. The car was financed by BMW Financial Services. I have never missed a payment but I have taken advantage of XXXX payment deferrals and XXXX Covid related deferrals, totaling 8 monthly payment deferrals. Since around XX/XX/XXXX, I've been paying my payments through the XXXX XXXX with the exception of a couple times. Earlier in the summer of XXXX, BMW Financial claimed I was 90 days late. That surprised me but I thought well maybe I am, and I paid additional monies towards my loan in an effort to bring it more current. In XX/XX/XXXX, I received a letter from BMW Financial stating my loan had matured and I had an outstanding balance of more than {$10000.00} and that payment was due at once. This is in the peak of the height of used car values skyrocketing because of the chip shortage from Covid and manufacturers weren't able to produce new cars. My immediate thought on the letter was that BMW XXXX is acting in a predatory manner to wrongfully repossess my car because its value was approximately twice what I owed on it. The letter claiming my XXXX payment has to be more than XXXX times my monthly payment. Even though I thought I had this letter straightened out, and continue with my monthly payments of {$920.00}. I go to make my payment in XX/XX/XXXX and my debit card wasn't working. I call to make the payment and the representative, XXXX tells me my payment is 152 days late. This was impossible because I'd been making my payments all along. Before calling to make my XX/XX/XXXX payment, I had initiated buying a house and was in the process of getting a mortgage and discovered some errant reporting on my credit file by BMW that I was more than 90 days late. When I made the XX/XX/XXXX payment I also requested XXXX to get the information at the credit bureaus corrected. She had already identified the problems behind my payments being late as being made through the XXXX XXXX as being received but not applied on the dates by the App. I called yesterday to check on the status my request for the corrected credit bureau information. I spoke to XXXX, XXXX, XXXX, and XXXX. They all refused to provide me answers and released the calls. Today, I called and spoke with XXXX. He at least wasn't defensive and did listen. But nothing had been updated with the credit bureaus and even though I'm making regular payments I'm still continuing to be late day-by-day. I have every reason to believe BMW XXXX is acting in a predatory manner and making every attempt to fraudulently repossess my vehicle. I need CFPB to intervene to protect my rights.
Product: Debt collection

DCI ( Diversified Consultants inc ) called my home phone number at XXXX XXXX on XX/XX/XXXX about a {$71.00} debt supposedly owed to XXXX XXXX XXXX. This was paid on XX/XX/XXXX. I explained this to the representative and was told that I need to have documentation proving this. I gathered the documentation and called back. I was told that they opened a dispute and instructed me to upload the documentation proving I paid it by going to the website ( dcicollect.com ) and clicking on the dispute claim form. https : //www.dcicollect.com/ When you do, you get an error 404 form not found. https : //www.dcicollect.com/support/disputes/ It is absolutely unacceptable that you can not actually provide documentation to the collection agency to clear the dispute. ( The only choice that works is either to pay or to report fraud ). I called DCI back and spoke to XXXX XXXX, who informed that all he could do was pass this to IT to have them look into it. I asked how I could clear this debt today and was told its not gon na happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom ever is reading this. Thank you for the time. 

Every month on the XXXX I get a charge for {$32.00}. The below information between the double ** is what appears in my credit card report. I have tried contacting experian a minimum of 5 times because I don't know what this charge is and i want to 1. Find out. 2.  Cancel it. Yet the phone number i call from my cc report and from their own website leads me to a phone menu i can not use to get in touch with a person. It asks for my account number. I don't know it because i'm not even sure what this charge is for let alone any account numbers associated with it.I attempted to sign in via the website but could not and when i requested the " i forgot my account / I forgot my password " options I never received that email to re set my password or acount. I simply want to talk to this company to know what this reoccurring charge is and I can not do that. I have tried over 5 times. 



**Experian* Credit Repor XXXX XXXX  {$32.00} Merchant Info XXXX XXXX United States  Merchant Category DIRECT MARKETING-CONTINUITY SUBSCRIPTION MERCHANTS Purchase Method Online, Mail or Phone Recurring Transaction Yes**
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter requesting that my information be opt-out of any and all reporting the the credit reporting companies. I have not received any update nor have the information was removed from my consumer report. It is the CFPB 's responsibility to enforce action on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

In sum and substance, in XXXX to XXXX I attended XXXX XXXX, XXXX XXXX, then XXXX XXXX, the most affordable state schools I could afford under a single parent household. In and around XXXX I paid off my XXXX XXXX XXXX because I had only taken a small loan. But I did not notice that After paying the loan off completely, I incurred a interest for the prior month that totaled {$4.00}. The XXXXXXXX XXXX XXXX system continued to to charge interest on that {$4.00} amount. In XXXX I randomly logged into the student loan portal and noticed the balance of {$27.00} which I immediately paid. As of this date, when I log into XXXX, XXXX, and XXXX they list a total of 4 to 5 Derogatory XXXX XXXX loan accounts, each listing a repeated late payment and derogatory in bright yellow. It's also noted on the credit reports that my student loan information negatively effects my credit. I contacted the federal student loans administration, and was denied a full payment history for my loans, I was only provided with a letter stating my loan is paid off, and the payment history from XXXX when I paid off the {$27.00}. In addition the credit buraus list multiple federal student loans when I only had one account. I have contacted XXXX, XXXX, and XXXX in writing about this in fair and negative information
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , REMOVE ALL information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX for {$530.00}, an EDUCATION loan account opened at DEPT OF ED in XX/XX/XXXX under the account number XXXX for {$6700.00}, a second DEPT OF ED loan under the account number XXXX for {$3700.00}, and a collections account opened at XXXX XXXX  for XXXX opened on XX/XX/XXXX with a balance of {$960.00} Acct # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. This has caused me denials for multiple lines of credit and resulted in financial harm. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report noticed I have fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit I did not authorize these accounts
Product: Credit card or prepaid card

I've been struggling to pay my bills since I changed jobs in XX/XX/XXXX right around the beginning of the Pandemic. Shortly after, the virus began and my hours were cut and I began to fall behind on everything. I was receiving some money but just enough to get by. I was anxious about not having enough money and I was receiving unemployment and then that was cut. I then learned my job at the XXXX  would end and I would not be able to receive unemployment because I was overpaid ( {$5000.00} ). I considered Bankruptcy I was going to Food Banks for food and hoping to hit the lottery. I was waiting for my XXXX from the VA to be reviewed but it was pushed back because of COVID. Fast forward to receiving funds after a year and trying to pay everything to catch up. I called XXXX XXXX  to try to negotiate a settlement since they advised my account was closed ; this occurred on XX/XX/XXXX. They told me no after a brief hold and possibly reviewing my bank info because XXXX XXXX  credit card is financed through Wells Fargo which is where my checking account is which I suspect they reviewed and impacted their decision with my account. Be mindful that XXXX XXXX is not the only Creditor I owe. They offered nothing in form of a hardship, so I paid {$1000.00} on my account. Today, XX/XX/XXXX I called to try to get an updated balance and verify the status on the account and ask for late fees, and finance charges to be removed, I was told no again. The reason was because I was given a courtesy removal in XX/XX/XXXX when my account was placed on pause for the Pandemic. So I stated that if a review was completed no other customer would have more than one removal of late charges on their account? I advised I would contact, CFPB, ATTY GEN, XXXX I was placed on hold again. The representative placed me on hold and I was told {$120.00} would be removed from the account bringing the balance down to {$1500.00}. I also confirmed the account is closed and the interest is still at 24 %.
Product: Money transfer, virtual currency, or money service

Paypal XXXX XXXX : XXXX XXXX XXXX a XXXX telling me that my paypal account was charged {$600.00}. 

I noticed the name of the merchant showing on my Paypal transaction, and confirmed that my account with the merchant was hacked and they used my paypal to fraudulently charge me. 

However, Paypal refused to cancel the transaction, and misguided me to open the case ( dispute ) under wrong category as " Item not received '' So I had to open this case again, and provide the screenshot from the merchant 's dashboard, showing my account sending money to someone that I have NEVER sent money to before out of nowhere. 

It is extremely disappointing that the paypal is not protecting consumers and misguiding consumers to open a case in wrong category. 

Also, it is also a fact that I have NOT received anything. But Paypal is not helping me in that case either. There is no protection for me at all now.
Product: Checking or savings account

XXXX XX/XX/2021, went to Citibank to close checking and savings account. Was told that checking account could not be closed until final clearance of purchase from XXXX. On XXXX XXXX  attempted again to close checking. Was told XXXX transaction not complete but transaction was figured into balance so the rest of the money could be withdrawn and account XXXX  out with assurance that the account would be closed when XXXX transaction finalized. Was notified on XXXX XX/XX/2021 that XXXX charged account on XXXX XX/XX/2021. This charge was neither made nor authorized. When called to ask how any transaction could have occurred to an account with XXXX balance and awaiting closure, they claim overdraft protection kicked in. After hours ( plural ) speaking with multiple people at Citibank, this matter has not been resolved and depending on who I spoke with, I owe different amounts.
Product: Debt collection

Collection agency ( Midland Funding LLC ) garnished my wages back in 2010 collected the amount that was owed and now claims that i still owe them the same amount. They are using the law office of XXXX, XXXX, XXXX XXXX XXXX XXXX. They sent me a notice of motion I do not know if it is legit or fake.
Product: Student loan

I am the cosigner on a loan for my daughter. My name is XXXX XXXX and her name is XXXX XXXX. The loan is now with AES but originated with XXXX. I have contacted AES about this issue since XXXX and they still have not fixed their error. 
-On XX/XX/XXXX A disbursement of {$27000.00} was made. 
-my daughter did not return to school for the spring semester so the second half of the loan for {$27000.00} was cancelled on XX/XX/XXXX -AES never changed my loan amount and therefore proceeded to bill me for a loan of {$55000.00} ( including interest on this amount ), even after they were able to see that {$27000.00} was cancelled on XX/XX/XXXX -my repayment was to restart in XXXX of XXXX, however they continued to bill me on monies I never received -I contacted the company and they were unable to make the correct changes even though they saw their error - I field a complaint and they then fixed my balance to the correct amount, HOWEVER, they continue to bill me on the old amount - they now have the principal as {$33.00}, XXXX ( which is also incorrect!!! ) and are billing me on {$55.00}, XXXX - I paid {$550.00} on XX/XX/XXXX and they are still saying I owe them {$770.00} - If I was supposed to make 3 payments at {$270.00} that total would equal {$810.00}. Minus the payment I made of {$550.00} and I would owe {$260.00} this month NOT {$770.00} - I REFUSE to pay on monies I have never received and want this issue fixed immediately - when I contacted the company they told me they could not fix their error, even though they agreed that they were notified the second half of the loan was not dispursed on XX/XX/XXXX. 
-this entire situation needs to be resolved as they are now attempting to steal money from me
Product: Mortgage

XXXX Residential Loan Apps created without my knowledge presence, my financial info or even the MLOs own credit vendors report.1 created stating I have a FHA the other for a Conv. all Info falsified & /or inflated SHELLPT fully aware their possessing documents used fraudulently to obtain a federal mortgage loan and that I'm being charged for XXXX mortgages at the same time yet refuses to report as required. XXXX srvcrs in XXXX yrs each provded prf XXXX rptd. chgd for both loans same time & on same house. XXXX srvcrs who chgd for both, mergd recntly w/SHELL. During FHA chgs pys made at that time, disappeared. listed no payments made for XXXX yrs, so repyd, bk stmts provided to SHELL 6 mos ago, to date none updated numerous requests of what could be wrong ignored no response. reports completed, promises made from SHELL, next call, no record of complaint. SHELL, " be patient '' wow at the same time I receive a demand for full payment for payments already paid just not updated by them the servicer shellpoint over XXXX mos now, XXXX correction. SHELL agt informs today XXXX hr call reviewing acct verifys XXXX notes, no refer. of any noted fraud, payments missing, updating, anything, nothing, no errors fixed, no corrections even in the works. I've never been late I was trying to pay off my loan in XXXX making extra payments always, only payments missing are the ones the servicer has proof of right in front of them. same ones that won't apply while I'm told behind, charged fees, inspections, forced modifications & threatened. family members passed not allowed to grieve, no friends, haven't seen family, don't eat, don't sleep and sold off personal items and even my car to repay what was already paid. All while my servicer sits there with the proof that they're actually paid. lying to me every phone call giving me hope just to crush. health deteriorating, joy of owning the home gone, missed out on so much times I can't even afford to eat because I'm repaying when I've already paid. I can't afford XXXX more results which I've been doing for the past 4 years it needs to end this company needs to be held responsible for their failure to respond appropriately and legally they're required by law to report these crimes and to protect me. they're only concerned is a fear of a lawsuit and protecting their new partners for charging me for XXXX mortgage loans at the same time and then they continue to possess knowingly the documents used to obtain a federal mortgage loan fraudulently protecting the person who committed these crimes and revictimizing the victim daily I just don't understand why my mortgage company knows how negatively they're failing and refusing to report fraud of the XXXX credit applications that I'm being charged for is such an issue for them to report as they are required to and also why they refuse to post the paid payments and update my account properly instead of not doing so and charging me repeat it fees falsely stating payments are not paid and they are. It is cruel and I don't get it.
Product: Debt collection

Bull City Financial Solutions ( a third party collection agency ) has obtained information that may be mine through XXXX without my consent or knowledge and it is negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureaus is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$110.00}, XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt or credit management

I am writing to request validation of the debt referenced above, as I have not received sufficient information to confirm its validity. Under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request the following : RESURGENT/LVNV FUNDING XXXX Verification that this debt belongs to me. 
A full breakdown of the amount owed, including any fees or interest. 
Proof of your authority to collect on this debt. 
Please send this information to the address above. Until the debt is validated, I request that all collection activities and credit reporting on this matter cease. 

Thank you for your attention. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of inquiries from my credit report that are not tied to an active account. As per the 15 U.S.C 1681 Congressional findings and statement of purpose, I have the right to request the removal of inquiries from my credit report.

These inquiries are defaming my character and preventing me from obtaining a mortgage to buy a home. Despite submitting multiple letters and making several phone calls to your company, I have been unable to get a representative to assist me. Instead, I have been transferred from one person to another without any resolution.

Therefore, I kindly request that all inquiries that are not tied to an active account be removed from my credit report. These inquiries are not tied to an active account and are defaming my character, and I request that they be removed immediately. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon.