23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AFNI Keeps contacting me informing me that i owe XXXX from an old XXXX XXXX XXXX phone that was swapped to a new account years ago. I contacted XXXX XXXX XXXX and they indicated the account was paid in full otherwise they would not have moved my number to a new account ( XXXX XXXX XXXX policy ). I contacted AFNI and wrote to them indicating the account was paid in full. While on the phone they informed me my credit score would be taking a hit very soon so " SURE hope i wasn't going for any loans soon ''. They also said even if i was successful in getting it removed from my score history it would take a long time and what was my time worth. I told them several time i did not owe the money but they continued their threats. This feels like extortion and intimidation and it is unfair to consumers. 

Now they are requesting Identity Theft Victim complaint information from me. 
They want me to send them 6 pages of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.
Product: Payday loan

I pay XXXX % interest on XXXX. I knew about this but you do not have an OTHER so I can not tell you what most closely describes the problem. Here is that very problem : I 'm paying 118 % and did in-fact, STOP the auto payments from my bank account. Simple DEAUTHORIZE it. but, the problem is, I do NOT believe the XXXX % FAIR and I wo n't be paying it off until XX/XX/XXXX. 

That 's XXXX and XXXX style loans. The only difference is, you do n't " sleep with the fishes '' or " wear cement shoes ''. 

This is XXXX and they DO NOT help rebuild your credit, they DESTROY your credit, hassle and harass you every month when your loan payment comes due. 

I 'm just now getting on my feet and I BELIEVE that I paid them MORE than enough at $ XXXX a month in INTEREST on {$3000.00} since XX/XX/XXXX. That 's roughly {$6400.00} since XX/XX/XXXX and MORE than XXXX their money. 

I 'm tired of this and I WANT IT TO END. How is this allowed by XXXX XXXX and the Banking XXXX? How??? 

Do you, the FEDERAL Government XXXX this to happen? How???
Product: Credit reporting, credit repair services, or other personal consumer reports

Professional Credit Management continues to blatantly report inaccurate, unverifiable entries on my credit reports ( see attached ). The alleged entries reflect the original creditor is XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The entry on my reports reflect that Professional Credit reported this entry on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on these erroneous entries by disputing in writing to them and the credit bureaus. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Professional Credit. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute nor was the mail returned. To date, this company has not responded to my dispute of the validity of the entries they are continuing to negligently report. I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. In my second request, given I never received any notification from them with regard to the first dispute, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the alleged provider of service to release the alleged medical information to them and cease any credit bureau reporting until the debt had been validated by me. They DID NOT. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. Prior to reporting any alleged medical entry the ACA provides a collection company must wait 6 months. Professional Credit Management did not prove they met this requirement and to date has not furnished a copy of any documentation to support they provided the allotted amount of time to pass per law prior to inserting this derogatory, inaccurate entry on my credit reports. It is obvious that Professional Credit Management has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, they must cease collections, return this debt to the original owner since they are attempting to collect on behalf of another company, remove this entry from my credit report immediately. This erroneous, inaccurate reporting is misleading and is further diminishing my creditworthiness.
Product: Debt collection

I have contacted them by certified mail 3 different times over last year, and ask for proof of said debt. Have yet to receive any form of proof. Last contact was made XX/XX/2019. Received proof of them signing for letter on XX/XX/2019. As of today I have not heard back from them, and said debt is still on credit report. Experian has not showed proof of this debt and have now failed to respond to my letter. Account number is XXXX and unverified.
Product: Student loan

The company is Navient. I am XXXX yrs old, my only income is social security. Paying them every month is a hardship for me but I am paying what I can. They don't accept this amount saying I owe them {$600.00} in back payments. They email me, they call multiple times everyday harassing me and I want them to stop. Their number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with all XXXX major credit bureaus an account that appeared on my credit reports and that it was not mine. 

I contacted first progress. They reported they were not reporting this. I then contacted XXXX, Experian, and XXXX that this was not my account. 

They claimed an investigation was done and that it was reporting right. I then reached out to XXXX XXXX and wanted this in writing this time. I submitted a certified letter to XXXX XXXX and received a response. 

I have included the letter and wish to have this removed immediately from all XXXX bureaus or my next step is going to be taking each of the XXXX credit bureaus to court under the Mississippi XXXX XXXX XXXX Laws. 

I will include the XXXX XXXX XXXX
Product: Debt collection

I recently received notification via us mail from credit collection services a collection agency for XXXX cable ... I do n't owe any such debt.. this account has been sold twice in XXXX days by XXXX..
Product: Debt collection

Today, the president of my company held a conference with me, payroll and  human resources  regarding the attached document from Account  Control Technology , Inc. regarding my employment status. I dont know who this company is or why they are trying to v erify my employment. What disturbed the president of my company is was the fact that it states via fax " ATTN ; PAYROLL / GARNISHMENT DEPT ''. From what I know, I dont owe this company any money and if I do, I was notified properly. I had to leave work today due to   XXXX   XXXX   and visit my doctor ( i have proof of this ). I needed meds to calm down because I was having a  XXXX   XXXX  - something that has n't happened to me in over  XXXX  years. Because of this unannounced meeting with my company president, payroll and  human resources,  I had to leave work. This is not fair to me as a consumer because I dont know who this company is and why they are inquiring about my employment status without my written consent and the wording " GARNISHMENT DEPARTMENT '' in their correspondence with my employer. Had I known about a potential debt owed, I would have challenged it pursuant to the FDCPA and requested they send me information regarding the validation of the debt, the original creditor, how they came to the amount they 're seeking, licensed to collect in my state, etc ... none of this was done. They 've hinted to my employer, without validation that I owe money because they attention their unwarranted job verification letter to " PAYROLL/GARNISHMENT ''. The fact that they 've used "  GARNISHMENT DEPT '' suggests dissemination of personal financial issues without validation. I 've submitted a complaint with the   XXXX    Attorney General, Attorney  General of  XXXX  and with your office. I will continue to prosecute this matter until a fair decision is made. My attorney has all of the complaints I 've submitted to your office and to the  AG 's office and we 're waiting for a response. Based on the outcome of this and ot  her complaints submitted, I 'm ready to file a civil and criminal suit against Account Control Technology , Inc. for deceptive business practices and libel.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I submitted an FTC Identity Report to Equifax to notify them fraudulent inquiries on my credit report. However the have ignored my report and continue to furnish the fraudulent information.
Product: Debt collection

We had a security system installed by XXXX. The System stopped working. When we got in contact with the company, they said they would send someone over. They never came. When I contacted them to cancel the service and get their security system from our residence, they instructed us that they will terminate the monthly service and we can keep the security system as we bought it. Therefore, we are disputing the charges. XXXX told us we did not owe anything. They were later bought out and now they are trying to collect a debt that we did not agree to with them. The system has been disabled for well over 13 years. 

Thank you, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Debt collection

In the past I communicate with Navient contact me at me work place. On XX/XX/2020 I received 7 voicemail from them. Leaving my personal in formation on a company phone that I have no access. On XX/XX/2020 I received 9 voicemail in a span of 6 hours. All with personal information on company phone that I don't have access to. They repeated called family members that have no association with debt. The called one family twice left a message and then called said person while they were working harassed them until they told them to never call again. I believe they have violated the Fair Debt Collection Practices Act with these actions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX **I HAVE NEVER BEEN ASSOCIATED WITH THE ADDRESS THESE FRAUDLENT ACCOUNTS HAVE ON FILE. THEY HAVE ALL BEEN REMOVED FROM MY XXXX, EQUIFAX, AND XXXX. UNDER FTC, FCRA, USC SEC 15 1681. 1682, 1683, 1682, 1692g these illegal accounts under a fraudlent item must be removed immediately from receipt of this letter. 

The account listed below and inquiries are illegal and needs to be removed asap. I am not identified what so ever with this nor any fraudulent accounts tied to my credit profile. I have been in the process of repairing and fixing my credit report and this is the last illegal account attached along with said inquiries. Please remove this last illegal account asap Manual verification is required from notice. These items are illegal and needs to be removed asap. 
Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 
Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$XXXX} Date Opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal information : Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00} late payment : XXXX XXXX XXXX XX/XX/XXXX {$6400.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Furthermore on this hard inquiry should be removed immediately per 15 USC 1602P.

( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On Thursday, XX/XX/XXXX I received a notification that my account was frozen and I needed to call the customer service number to get my account unlocked. I did this, and after an hour and 45 minutes of sitting on hold I was connected with a representative, and the problem was resolved. Then on Friday, XX/XX/XXXX I received another notification that my account was frozen and to call the same customer service number. I tried to call that number two times and both times I was disconnected after being on hold for over 3 hours. I tried to call that number again on Saturday, XX/XX/XXXX 4 different times and still no one would answer my call. I called again on Sunday, XX/XX/XXXX 8 times and never got connected to anyone. I finally called today, Monday, XX/XX/XXXX 3 times, after being disconnected twice for the hold be over 3 hours and the representative tells me that Discover decided to close my account without notifying me and would not give me a reason on the phone. I now have to wait 7-10 business days for a letter with the explanation and 60 days to get my money back that was already deposited into that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all of my Inquiries on my credit reports from XXXX and XXXX and they did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them. The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance C. C. Employment D. D. Court Order
Product: Money transfer, virtual currency, or money service

I made a complaint earlier this month about an account I have gotten closed that wasn't under my name, and I completely understand why that is. But now, I have opened an account under my name and information, and after I submitted my correct Passport to the PayPal account, it got permanently shut down the next morning. I already contacted PayPal and they said they can't do anything but didn't give any reason why. Account email is XXXX and my name is XXXX XXXX. Thank you.
Product: Debt collection

In XXXX of XXXX XXXX XXXX ( at that time ) disconnected my internet access due to my bill being past due. In XXXX (? ) XXXX company changed it's name to XXXX. XXXX XXXX was contacted in XXXX with a request to send a prepaid shipping label in order to return their equipment for myself, my business, and my mother. This consisted of a basic cable modem and 2 advanced router modems. I personally put the equipment into the box, label applied, and package shipped from the XXXX  drop-off location at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Once items were disconnected, internet access would have been impossible even if access was available. XXXX is well aware of this. I was unaware that the company had changed names until approximately XXXX of XXXX. In XXXX of XXXX I finally received a bill from XXXX for the amount of {$690.00} I immediately contacted the company asking them to justify the amount. Initial person I spoke with informed me that service was disconnected in XXXX but subsequently reconnected. XXXX representative stated that since no phone call was received specifically requesting for our services to be terminated, they continued to bill for months after XXXX into XXXX. I informed representative that I would pay for outstanding month ( s )? up until XXXX, I would not pay for months after their equipment was returned. The phone call was ended without resolution. Approx. 2 weeks later I received another bill for {$570.00}. I contacted the company again twice finally speaking with a supervisor. The supervisor informed me that the bill was adjusted due to my prior phonecall the company assumed (? ) that I wanted the service terminated. Supervisor informed me that I was responsible for months of XX/XX/XXXX through XX/XX/XXXX and refused to even consider any negotiation. She claimed that since I was receiving $ XXXX. through the XXXX and XXXX XXXX program, they could not disconnect my service. 
The funds I was receiving through the program were transferred to XXXX ( my new ISP ) on XX/XX/XXXX. The supervisor also stated that the package containing our modems was never received until XXXX of XXXX. She claimed that the package only contained the 2 advanced modems but not the basic modem. A phone call made XX/XX/XXXX to XXXX confirmed that the package was delivered intact to XXXX XXXX ( at that time ) on XX/XX/XXXX. Also, assuming that only one modem was missing from the carton as XXXX claims, why would the thief decide to take the smallest, cheapest modem? XXXX has decided to forward collection of this debt to a collection agency. This is going to detrimentally affect my previously impeccable credit score and rating. I would like XXXX to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the Credit Buerure to do an investigation and they did and they said it was all verified. I did my own through investigation and found things to be inaccurate and not correct. I did this after their investigation. 




Name of Account/Account Number XXXX XXXX  XXXX Cancel contract. Please provide the original contract or delete XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original Contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX  XXXX Cancel contact. Please provide the original contract or delete. 

XXXX XXXX XXXX. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contrast or delete. 


In acceptance with the Fair Credit Reporting ACT and XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy 15 U.S. C. section 604 ( A ) also state that a consumer reporting agency can not furnish an account without my written instructions