23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband received a letter dated XXXX XXXX from a Collection agency ( afni ) stating that he owed {$640.00} to XXXX XXXX XXXX. In the letter they ( afni ) indicated that they were willing to accept {$420.00} to resolve the account. 
In the second paragraph they ( afni ) indicated that unless we notified their office within 30 days of the notice they would assume the debt is valid. And if we did not dispute the validity of the debt in writing within 30 days they would obtain a judgement and mail us a copy of the judgement. 
We are very suspicious of companies trying to scam people and try to get their personal information. 
The issue is -- - my husband has never had an individual account with XXXX XXXX XXXX. 
On XX/XX/XXXX we contacted the billing department with XXXX XXXX XXXX and I spoke with an XXXX. XXXX researched our current account with XXXX XXXX XXXX and could not see any evidence of a past due amount. He transferred me to the XXXX XXXX at XXXX XXXX XXXX. I spoke with a XXXX. He pulled up the XXXX XXXX XXXX acct. number and asked me what the passcode was for the account. we told him we didn't know a passcode as we did not have that account. He could not give us any information about that account like DOB or any other information for the person other than my husbands first and last name. he kept asking for the passcode and we kept telling him we did not know the passcode for that account. Today XXXX, we went to an XXXX XXXX XXXX XXXX - they were able to look up that account for us and told us it was cancelled on XX/XX/XXXX. He helped us get a passcode and the security question and the email address, which was for a email that we did NOT know. The XXXX of the XXXX XXXX XXXX XXXX told us that the account was an XXXX XXXX account ''. We don't even know what that means. He told us he didn't have the authority to correct the situation but to call the fraud unit at XXXX XXXX XXXX and tell them all the information and they could stop the collection agency. When we got home my husband called XXXX XXXX XXXX asked for the Fraud unit and it just directed him to the XXXX XXXX XXXX website. Needless to say we are being given the run around by XXXX XXXX XXXX and can not get this stopped we don't want to call the AFNI collection agency as we do not want to give them any of our personal information as we believe this is a phishing scam. But we also do not want our credit ruined by this falsehood. Any help you can give us would be greatly appreciated. Thank You.
Product: Debt collection

the year was XXXX XXXX was the month, times was hard working part time due to pandemic not making enough money to buy things cash or debit bank card, with a newborn on the way i knew i was going to need and want things for my son, so i walk into best buy trying to apply for a credit card to be able to afford few things right away everything came back negative was denied instantly not knowing why i question and luckily the guy that was helping throughout the store told me get a credit check with the 3 credit bureaus to see what you owe or what's going, so i did after weeks of disputing 10 accounts that were open back in XXXX 7 out of 10 creditors drop after investigation two back came saying no you owe us, both creditors told me if you really do not owe these accounts and your not at fault file a police report that will help all of us remove these accounts and we will continue the investigation, so i did attach police reports to my disputes like i've told everyone i ever spoke to about these accounts, the time all these accounts were open i didn't have a dollar to my name never work didn't file taxes had no source of income sadly i've been a victim of identity theft no way someone without a job could get approve for any amount of credit line thanks to these two creditors who don't care about laws suchs as FCRA they have no prove in any way paper on the phone that these accounts belong to me. if you guys can please take a closer look nobody cares now they just hang up once i ask for more of there time the credit beuras suchs as XXXX  and XXXX  all they do is dispute the creditors but don't solve anything just like the creditors they hang up or say a supervisors will call you in the next 24 hours no call, the creditos macy and XXXX dont give me more info other then its my accounts with zero proof no billing statement that matches my accounts since i didn't own a bank then its a nightmare with no help they are no holding of an telling XXXX  to tell me that these accounts are going to drop in XXXX that's not the point 7 years of bad credit and nobody care
Product: Mortgage

Wells Fargo Incorrect Mortgage Payment history I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report.
Product: Credit reporting

correction of typo-error in prior CPFB complaint ; but underlying complaint was 100 % correct, so I am repeating it here : I paid {$5.00} to " unfreeze '' my account with T-U using the T-U-issued PIN. I then went to T-U website via XXXX for my FREE report. T-U FRAUDULENTLY refused to permit me to get this by FALSELY asserting that I had " already '' received my FREE report. Unfreezing a file and getting a copy of that file is NOT the same thing. This is a pattern intentionally SCHEMED by T-U. I demand my FREE report accessible on-line -- - ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX

5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX
Product: Debt collection

I purchased a XXXX Spa treatment plan from XXXX ( Parent Company : XXXX XXXX XXXX ) on XX/XX/XXXX ( according to the debt collector Midwest Fidelity ). I was told XXXX does not handle their financial collections in-house but through XXXX  XXXX  ( at the time ) and they were going to set me up on a payment plan, but I was told that I could pay it off in full or in larger sums if I wanted to. I had my first appointment on XX/XX/XXXX and decided I wanted to pay the treatments off in full so I didn't have to worry about making payments so I called Ally Lending on XX/XX/XXXX and made the full payment over the phone for {$4700.00}. I have documentation in my bank statements of this payment to this company. I continued to receive mail from this lending service, saying that I still owed the full amount and was being charged interest. So I called XXXX in XX/XX/XXXX telling them about the mail and after providing documentation, I assumed the matter was resolved. I continued to receive the same debt mail from this lending company for months after, but I didn't think anything of it and thought they were sending it to me by accident because I 1. had already paid, and 2. I called them to resolve the issue and they said it was resolved. Now it is XX/XX/XXXX and I am receiving calls from Midwest Fidelity debt collectors saying that I still owe the {$4700.00} and they have no documentation of me ever paying. So now I am trying to resolve this all over again by giving them a copy of my bank statement showing that I paid the full amount almost 2 years ago. I just checked my credit score and this specific issue has dropped my score well over XXXX points ( I previously had an almost perfect score ). This has been an absolute nightmare and not only am I having to deal with the tedious task of getting this resolved. I also have to prove that I've been falsely reported for debt with creditors so I can attempt to fix my credit score. It's not fair for someone who has done the right thing, paid all the bills on time, etc to have to experience detrimental damage to their credit score ; which is one of the hardest things to resolve and necessary to be eligible for pretty much anything.
Product: Prepaid card

I loaded {$6900.00} in funds onto a prepaid card issued by Skrill. When I tried to use it at a grocery store, Skrill denied the transaction and locked my account. When I asked the company for an explanation of why my funds were restricted and when I can use them, Skrill did not reply ; they just indicated in a canned way that the issue was " resolved. '' However, my card is still restricted. Skrill is not letting me use my own money I loaded onto their card! 

XX/XX/year>2024 XXXX Case opened XX/XX/year>2024 XXXX Resolved REPLIES XXXX XXXX XXXX XX/XX/year>2024 XXXX Automatically generated case. 
XXXX XXXX XXXX XX/XX/year>2024 XXXX Hello, is there a new problem with my account, or am I able to use my card now? XXXX XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX Automatically generated case.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX  // Account # XXXX User SSN # XXXX Account Name : XXXX  XXXX // Account # XXXX SSN # XXXX Account Name : XXXX XXXX XXXX Account # XXXX SSN # XXXX Account Name : XXXX // Account # XXXX SSN # XXXX Account XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) // Account # XXXX SSN # XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit card or prepaid card

I was charged a late fee of {$38.00}. I made my payment on the due date and but it was paid after XXXX. On my statement he says payments after XXXX will be credited the next day but it does not state that a late fee will be charged. I called numerous of times to get them to remove the late fee and advised them if that was their policy that it should be in writing. I was told I should be able to figure it out. As a customer I know have rights and I know that I have been violated.
Product: Credit card or prepaid card

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$930.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$670.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$450.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I refinanced my mortgage loan with BB & T. They received a wire on XXXX XXXX, 2015. The payoff left an escrow balance of {$4000.00}. I called BB & T today to find out when my funds would be released to me. I was told that it would be 2-3 weeks before the funds were " mailed '' to me. The loan servicing agent then give me the date of XXXX XXXX, 2015 as the date I could expect my funds to be " mailed '' to me. That date would add another 3-5 days before receipt, or possibly as long as 1 full month from the date BB & T received wired, good funds. I inquired if I would be receiving interest on my funds and was told no. This seems like an exorbitant delay without compensation for BB & T 's use of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX SQ XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : - Bankruptcy chapter XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX SQ XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX SQ XXXX XXXX XXXX, VA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I've received a letter from Account XXXX XXXX XXXX who claims that Ascendium has authorized my employer to resume garnishment of my wages for my Federal Student Loans. 
XXXX XXXX has extended the pause on Student Loan payments and collections activities until XXXX, XXXX. I've previously had no dealings with this company and I want to understand how they're able to commense collection on a debt that I've been paying through payroll garnishment by the dept of Education until the original pause in XXXX of XXXX. 
The copy of the letter I received was sent to my employer and is dated XX/XX/XXXX Please advise what recourse I have in this matter.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, This is the 3rd request reporting inaccurate accounts that were NOT authorized by me and incorrect names in my report. I am a victim of identity theft and need the accounts incorrect names deleted from my credit report as soon as possible. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Account XXXXXXXX XXXX XXXXXXXX, Date open XX/XX/XXXX reporting amount of {$500.00}. Account XXXX XXXX XXXX, Date open XX/XX/XXXX reporting amount of {$11000.00}. Account XXXX XXXX XXXX, Date open XXXX XXXX reporting amount {$2500.00}. XXXX XXXX XXXX XXXX XXXXXXXX ) Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make any of theses charges.
Product: Checking or savings account

my CD account from Marcus by Goldmans was mature on XX/XX/2024. Amount is {$15000.00}. 
I called them to close account several times and their respond was just waiting for XXXX days. Its been a XXXX to hold my money. 
They already authorized my checking account for transferring funds but cd account is still closing.
Product: Credit reporting or other personal consumer reports

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 SD XXXX ( XXXX ) XXXX, Loan # XXXX, account # XXXX amount {$16000.00}, past due {$3100.00} current balance {$17000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX, account # XXXX, date open XX/XX/XXXX, amount due {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX ) XXXX, Account # XXXX, date open XX/XX/XXXX, amount due {$640.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XXXX ( XXXX ) XXXX, XXXX, Amount due {$80.00}, date open XXXX XXXX has violated my rights I looked at my XXXX credit report on XX/XX/XXXX 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

This account was charged off on the following date XX/XX/scrub>/2022. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following Accounts Name : XXXX XXXX XXXX XXXX Accounts Number : XXXX
Product: Mortgage

Bankruptcy was discharged XX/XX/XXXX, and this mortgage ( primary residence ) which was including in the bankruptcy. Upon being dishcarged ( after 5 yr./60 months ) NationStar demanded {$17000.00} in payment ( see attached ). This was because the loan was an interest only loan & because of the bankruptcy they were not able to adjust or increase our payments. NationStar granted us a loan modification which included the outstanding payments they were unable to charge us during the bankruptcy. I have included a recent mortgage statement which does not show any payment past due. I have also included dates & payments made doing the bankruptcy. I am asking for the negative comment on XXXX under payment status, which reads " At least 120 days or more than 4 payments pas due '' to be removed ( see attached ). I would also like the removal of the past due amount of {$16000.00} from the report because that was satisfied in the loan modification. In addition to this, the mortgage payments are {$1300.00} but the credit report is showing {$1400.00} ( see attached ). Monthly payment will change to {$1300.00} starting XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, Please should more consider on my complaint against bad company EQUIFAX i had submitted many times of this regarding Unauthorized Hard Inquiry and XXXX has responded me Company responded XXXX XXXX XXXX Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response We are sending the customer a letter advising that we previously notified the credit reporting agencies to change the inquiries to non display, and it may take up to 45 days for the update to reflect.