23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

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

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

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

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

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

6. Provide the Certified Assessment Certificate.

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

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

* Failure to provide an Opt Out Notice.

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

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

Debt was reinserted on my credit reports without sending my 5 day notice
Product: Payday loan, title loan, or personal loan

I have an installment loan for a boat I purchased in XXXX. I sold the boat to another individual and therefore paid off the installment loan in full on Monday, XX/XX/XXXX. I called Bank of the West ( BOW ) that day to inquire on when I would receive the title and was told it would be mailed within 7 to 10 business days. I called the next week to inquire if it had been mailed and was told the lien was still not released yet. I called this bank probably 10 times so far since then ( each time waiting over 45 minutes to speak to someone ), I've escalated this issue to multiple managers/supervisors. Each time I call I am told something completely different and was straight lied to on multiple occasions being told " it will be mailed out today '' or " it's in processing and will go out tomorrow '' only to call back the next day and it still not be mailed. It is now XX/XX/XXXX and we have yet to receive the title for this boat that we sold over a month ago. I was even told to provide a XXXX  account number and they would overnight it to me, it was documented in the " work order '' and I have yet to receive any notification that the title has even been mailed out. This bank is NOT truthful to its customers and it's not following FDIC regulations regarding releasing titles after the lien is paid off in full.
Product: Credit card or prepaid card

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix the last payment with XXXX XXXX XXXX report on Equifax say it's on the XXXX say it on the XXXX and Equifax say it on the XXXX and XXXX XXXX stopped reporting to the Equifax. I just want to fix the reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX   Act XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. XXXX  has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report number XXXX dated XXXX XXXX, 2017 1 ) This report indicates I have two social security number variations. Please remove the incorrect number. The correct number is XXXX. I can not see the full numbers on the report because they are masked, however, I have only one social security number. 

2 ) This report lists two telephone numbers that are not mine. Please remove the incorrect numbers which are XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

I had a {$30.00} dollar failure to appear bench warrant issued in XXXX. I did not pay the fee, it was sent to Integral Recoveries. It is currently {$45.00}. This XXXX particular fee is stopping me from obtaining my driver 's license. I called the agency and tried numerous times to pay these fees. Each time that I call I am told that I owe fees from a XXXX case. I was told that I can not pay the {$45.00} fee until I set up a payment arrangement for the XXXX case. The fees associated with the XXXX case are approximately {$2000.00}. I have been fighting this company ( same person every time I call ), for months now. I ca n't find any serious job prospect 's without my license. Please help! Thank you for your time!
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. 

1.XXXX  XXXX Account # XXXX 2.XXXX XXXX  XXXX Account # XXXX 3.XXXX XXXX XXXX XXXX  Account # XXXX 4.XXXX XXXX Account # XXXX 5XXXX XXXX XXXX Account # XXXX 6.XXXX XXXX XXXX  Account # XXXX 15 USC 1681 section 602 A . States i have the right to privacy.

15 USC 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681 section 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: Payday loan, title loan, or personal loan

As is in the loan agreement, I have at least 3 days notice, in my case 5 days notice to stop ach payments. The company did not stop the ach payments and as a result I was charged bank fees for insignificant funds.
Product: Debt collection

I had a XXXX credit card through XXXX XXXX many years ago. I used the card and maintained payments but one day it showed as if I owed the full amount then over the amount of credit. I stopped paying as I tried to figure it out with XXXX. Then the card was sent to collections. Midland Credit Management bought the account and began calling me at all hours, emailing all the time. 

At one time to try and make it all stop I enrolled in a payment plan. The debt was about {$1200.00} at that point. I paid more than {$300.00} yet the debt wasn't reflecting that. It remained over {$1000.00}. I stopped paying after trying to communicate with Midland Credit Management and being ignored. 

That was a year ago. Now once again they are sending me emails constantly offering a low one time payment option to clear the debt. Yet the offer doesn't exist as they are asking me to pay {$1000.00}. This isn't a reduced amount and doesn't reflect any payments made in the past either. They've stated before in emails no late fees so how is the debt increasing? I tried to contact them to ask why no actual reduced debt offer has been given but only got an automated reply with a copy of the message I sent through their website. They have been emailing me nonstop threatening legal action. This is the second account with them that they have done this. 

In the past they sued me for another debt and pulled from my bank account an excess of the debt they claimed I owed even after I stated that was a fraudulent debt. With their lawsuit on the first debt they collected twice on the debt forcing me to pay a debt they never substantiated and their lawyer fees. I do not want this to happen a second time but they refuse to give me details on a reduced payment option or proof the debt is mine. They jumped right to we will sue. The last time they were able to successfully issue levy on all the funds in my XXXX XXXX XXXX Checking and XXXX account. This was on XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent inquires on my credit file that I asked t be removed due to them not being soothing that Ive applied for nor did I apply for them in the pass the two inquiries are XXXX XXXX XXXX inquiry date XX/XX/XXXX and XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit card

XX/XX/year> My name is XXXX XXXX owner of Cleaning and XXXX XXXX XXXX XXXX, XXXX XXXX This is my fourth Complaint to Equifax, commercial Solutions Im reporting Equifax, commercial Solutions XXXX XXXX XXXX, XXXX XXXX  This complaint is in reference to my Business credit file. 

Im requesting Consumer Financial Protection Bureau an urgent investigation to Equifax, commercial Solutions XXXX XXXX XXXX, XXXX XXXX  for solution. 

Equifax has not provided the requested letter Equifax explanation lacked, Equifax has not shown the requested proof uncomplying Referring to account number XXXX deleted from my Business credit file, Equifax has not mailed me To my XXXX XXXX and XXXX XXXX XXXX XXXX file updated with account number XXXX deleted. to Cleaning and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Therefore XXXX requesting through Consumer Financial Protection Bureau to Equifax commercial Solutions XXXX XXXX XXXX, XXXX GA to provide me with letter of account number XXXX deleted from my Business Credit File without delay Equifax has failed to provide me with my XXXX XXXX and XXXX XXXX XXXX XXXX file updated with account number XXXX deleted and has failed to provide me with deletion letter As Equifax claimed on companys response to Consumer Financial Protection Bureau dated XX/XX/year> See attached Neglecting same and misleading the Consumer Financial Protection Bureau office Without showing prove of account number XXXX deleted Im informing to Consumer Financial Protection Bureau through this complaint Equifax commercial Solutions XXXX XXXX XXXX, XXXX GA for lying to consumer There I no need to delay and take more time to this complaint and to provide me with The requested material on timely manner I look forward for your cooperation. 

Thank you XXXX XXXX
Product: Debt collection

I received a text stating : This is an automated message- Last attempt!!! this message is intended for XXXX XXXX. Complaint in process of being Filed out of XXXX. Please contact Issuing Firm at XXXX / Reference # XXXX I called the number and we got into a heated conversation with someone claiming to be Mr. XXXX. 
He threatened me with a law suit. When I accused him of a scam, he read out my Social Security number and my date of Birth and my current residential address. He then threatened me with knowing all of my personal and financial information ... 
I don't know if I should now cancel all of my credit cards : change all of my passwords with my banking and stock trading platforms ASAP .... I feel like my whole self and family are now in danger of being scammed or in danger ...
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST OF ALL I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT. ACCOUNT NUMBER IS XXXX YOU HAVE VIOLATED MY RIGHTS BY PROVIDING INFORMATION THAT IS UNTRUE ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I have filed a complaint with XXXX XXXX XXXX about inquires on both my XXXX and TransUnion account that have not been resolved or deleted. 
All inquiries from XXXX from both companies are identify theft and breach 15 usc 1681 where theyve defamed me, my credit report and XXXX my credit score and XXXX. Ive tried disputing them online/ on the phone/ mailing letters. No resolution has happened and I need them gone immediately.
Product: Debt collection

I recently started receiving text messages from a company by the name of MRSBPO. The company is accusing me of an owed debt from XXXX in the amount of XXXX. After my service was canceled due to consistent technical problems and a verbal agreement for charges to be waived. I have tried multiple times to contact the company and have been unsuccessful due to longer than normal hold times, and being disconnected on their end. The miscommunication have lead me to believe this company is a scam and do not want to discuss debt matters with consumers. I do not have a signed contract or any contract/agreement with this company. I am being harassed through text messages from this company. Although, I have not given consent to receive text message alerts. I would like this matter properly investigated and deleted from my credit report. The company is showing 3 different ways on my credit reports. MRSBPO MRSBPO LLC MRS ASSOCIATES
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see inaccurate accounts listed, and I have no idea how this happened. I check my report regularly, and this is the first time Ive encountered such discrepancies. Hoping it was a glitch, I refreshed my browser, but the inaccuracies remained. I am urging a detailed review of the documents Ive provided to make sure this problem doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give you written instructions to furnish this account " XXXX XXXX XXXX '' on my report. you guys committed aggravated identity theft. I seen I had an inquiry from the company XXXX XXXX XXXX that you authorized a couple months ago. So you allowed this company to have access to my consumer file without my consent then furnished the report. You guys are violating 15 usc 1681 part of the fcra which you folllow.
Product: Credit reporting or other personal consumer reports

Says I applied for a credit card on yesterdayXX/XX/2024which I didn't.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my equifax credit report which caused me XXXX  XXXX upon me and found unverifiable incomplete inconsistent unverifiable and questionable items that your agency didn't make sure it was reporting 100percent correct.in accordance with the fair credit reporting act everything has to be 100percent accurate on my credit report according to15usc1681e ( b ) and 15usc1681i ( 5 ) these accounts are in violation of not reporting accurate. XXXX acount # XXXX XXXX  account # XXXX XXXX XXXX acount # XXXX XXXX XXXX XXXX acount # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX are violating my rights. The credit agencies stated that these accounts were properly invigated and came back verified however, how is this true there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100percent accurate under 15u.s.c1681i ( 7 ) method of verification-description of reinvestigation procedure. Resolution as a consumer, by law my credit report must be made 100percent accurate immediately by the credit reporting agencies.deleting the accounts listed with the inconsistent reporting immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX telling me that this item that I dispute ( bankruptcy ) it was removed from the file with XXXX however, it has not been removed from XXXX XXXX, or any of the credit bruen
Product: Mortgage

I filed for a grievance of my taxes and they were reduced from {$16000.00} to {$14000.00}. Due to COVID, it took some time for XXXX XXXX to submit a proper reduced tax bill. I have been trying to get an escrow analysis since XX/XX/XXXX. My loan was transferred for servicing from XXXX XXXX XXXX XXXX to BSI Financial Services on XX/XX/XXXX ( # 1 ). My escrow on transfer was {$9900.00}. On numerous occasions, I have contacted both XXXX and XXXX  via telephone, via email and in writing. Since the transfer in XX/XX/XXXX, I have spoken with XXXX  several times, sent many emails and a qualified written request for an escrow analysis on XX/XX/XXXX ( # 2 ). A copy of my updated tax bill was submitted via email in XX/XX/XXXX, which should have been supplied by XXXX to XXXX. With my first payment in XX/XX/XXXX, I sent a letter with the correct tax bill and a request for an escrow analysis. My annual taxes are currently {$14000.00} ( # 3 ). The first half taxes were paid on XX/XX/XXXX in the amount of {$7100.00}. There is currently an escrow overage of {$9800.00} ( # 4 ) they are not releasing. I pay for my homeowners insurance, which they requested I pay for the year in full and have provided them the policy paid receipt on XX/XX/XXXX. They then requested that I secure flood insurance and provided them that as well within the timeframe requested on XX/XX/XXXX. These insurance requests came from the same department at XXXX periodically over four months, both flood and hazard. When I spoke to them in XXXX, they should have requested the policy information within a few weeks of the mortgage transfer, not spacing this over four months. To date, six months later, I have not received the escrow analysis and my payment has not been reduced to reflect the reduction in taxes.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I purchased a media tablet for my love one through JPAY services online.. I was told that I could NOT get an update before 60 days. I waited 60 days and was told that it would be another 30-40 days and the media tablet would be shipped to my loved on. After several attempts to resolve the issue I have been provided incorrect information from XXXX about the order number saying that that was my tracking number. On XX/XX/2023 no new details about the tablet nor a refund of my money. I am being told on several calls that a refund is not possible because of the process and that the tablet was reshaped on XX/XX/XXXX. I asked why was it reshipped and was told because it was never shipped on XX/XX/XXXX. How can you reship something that never was shipped. I have been told by several supervisors for JPAY that there is nothing they can do nor I can do. Please help. This inmate services is unlawfully taking money without delivering the merchandise and not giving no explaination as to what process is being done to resolve this issue. After 6 months of holding on to my money I should be provided my money or the paid for merchandise to my love on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collections account from XXXX XXXX with Transunion on XX/XX/2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.
Product: Debt collection

I sent out a Debt Validation letter to Dynamic Recovery Solutions for a medical collection on XX/XX/XXXX. After I sent out the Debt Validation letter I then received a letter on XX/XX/XXXX from Dynamic Recovery Solutions which failed to validate my debt. Instead they send a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.
Product: Credit card or prepaid card

XXXX has got into all my other XXXX accounts he's going to deactivated my bandlab made out of Masters just trying to get all my stuff off of XXXX he's trying to steal my music so that means you're going to be getting all my royalties he's messing with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX everything.. hes trying to take all my music he's trying to take everything I have
Product: Checking or savings account

Im trying to pay my rent through XXXX and it wont link up my bank account so I can avoid fees.
Product: Money transfer, virtual currency, or money service

I have tryed calling only to have the computer refuse my call and left messages thru my paypal and not one reply. I am talking aboiut Paypal and a refund from XXXX XXXX XXXX I am trying to get out of paypal thats allready been refunded to me thru paypal. 
There inaction and puting a hold on a refund and claiming it is a sale when I dont sell is all intentional and wrong. I am so sick of Paypal and just need to pickup a refund and not be harrased by there workers. I am ready to file a complaint with Minnesota Attorney General as there out oif line.
Product: Vehicle loan or lease

We voluntarily surrerendered our   XXXX     XXXX   XXXX   in  XXXX  of 2016.Paid money to get it back in  XXXX  2016.the reason we surrender was because of very poor mecanical condition.within 7 months we invested {$13000.00} in repairs and it still needs {$4000.00} in repairs. My fiance and i are on  XXXX  (   XXXX   XXXX    ) . Paying out these kind of repair bills has set us behind on both vehicle loans.On  XXXX   XXXX  they reported the loan closed and status is collection/write off and we still have possesion of both vehicles .They have made no attempt to contact us by phone or mail and have never attempted to reposess either vehicles at any time. In the past we have follow all pay arrangements and they refuse to send monthly statements by mail or email and they refuse to provide written documentation of the arrangements.The company is credit acceptance .They have has several class action law suits filed against them. And some were won.
Product: Debt collection

Mailed letter requesting what the debt is and to validate the debt is mine XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and can NOT get any response to any letter asking for information or delete the debt off of my credit report as I do not believe the debt is mine. If I can not get debt validation and verifiable information that the debt is mine, it needs to be removed from my credit report