23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT AFNI INC Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, INC Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

CBE Group repeatedly sends letters trying to collect a debt that I do not owe. I have requested twice to dispute the debt and for them to cease contacting me as per FDCPA. 

I have explained that it was a result of a crime and I was assaulted. The police forced me to go to the hospital. I told the hospital I did not want treatment and that it was a concussion. The hospital forced me to sign a release before they would let me leave. I signed the release and walked home in the middle if the night. 

CBE Group has been given the case, judge, DA, explanation, etc. They even put a negative mark on my credit. When I disputed the negative mark, CBE removed it. Now they are trying a third time to collect. It is NOT my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my report immediately. 

XXXX XXXX XXXX {$420.00} XXXX  XXXX {$620.00} XXXX  XXXX {$420.00} XXXX XXXX XXXX  XXXX {$230.00} XXXX  XXXX  XXXX {$620.00} XXXX  XXXX  XXXX {$450.00} XXXX XXXX {$92.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TRANSUNION to inform them that XXXX # XXXX are reporting inaccurate and fraudulent information on my credit report. 

1. I informed them that this isnt my account and it was previously removed. See : Exhibit A 2. I informed that the account is reporting inaccurate by stating its a collection/charge off account. See : Exhibit B A collection and charge off are two different types of accounts subject to two different types of rules per FCRA rules and regulation.

A. A collection is a derogatory account ; and B. A charge off isnt a derogatory account. 

Therefore this account is reporting inaccurate and the company is reporting inaccurate information which is prohibited per FCRA rules.
Product: Credit card

I checked my credit score XXXX, as I do nearly each day and noticed that there was a balance of {$17000.00} associated with a Barclays Bank credit card that I have never had in my possession. My credit score also dropped significantly because of this. I immediately contacted Barclays Bank. They searched my accounts and showed that there is a XXXX balance, and they didn't see a {$110000.00} charge on the other card associated with them and that which is showing up on XXXX XXXX. The card associated with this fraudulent and suspicious activity is BARCLAYS VIEW MASTERCARD. Barclays suggested that I contact my financial and reporting institutions immediately to report this, which is what I am doing at this moment.
Product: Credit reporting or other personal consumer reports

I review a copy of my credit report notice there was some fraudulent accounts on my credit report these accounts are hurting my ability to obtain credit please remove these accounts I did not authorize these accounts
Product: Debt collection

I was involved in a XXXX issue for the past 2 years. I have received a XXXX order. Due to my continued efforts over the last 2 years to leave my ex common law spouse I was forced to break XXXX leases. I now have these broken leases reported on my credit report. I am trying to relocate and restart my life but am unable to rent at any establishment due to the broken leases. XXXX XXXX Broken lease was with XXXX and occured approximately a year and a half ago. XXXX occured about 9 months ago with XXXX. XXXX been placed in collections.XXXX is with IQ Data International Inc. and XXXX is with XXXX. I have uploaded my protective order. I need these removed from my credit report in order to rent a place for me and my XXXX kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FCRA Violation : other loan never latXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX FCRA Violation : auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation XXXX hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation : collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To whom it may concern : Loan # XXXX and equity # XXXXOcwen illegally try to extort money from me using " legal '' ways! 
I just received from them a " Pre foreclosure '' notice package. 
Their XXXX located managers never clear explain their " math '', how they figured out astronomical " late fees '', they just pressure on me to pay. It is strange, that since XX/XX/XXXX till XX/XX/XXXX they just collected " late fee charges '' and never try to make a real foreclosure! It looks like a scam! 
I request to remove all unfair " late fee charges '' Ocwen collected for almost XXXX years, because : My previous mortgage company GMAC was sold to Ocwen at XX/XX/XXXX. Included are a copies of my payments to GMAC. They show, that I paid AHEAD for any coming month, so, GMAC never charged me with late fees, it is a hard proof, that I always paid AHEAD for coming month, at time, with XXXX days each month period without interruption! No any " late fee charges '' shown on GMAC statements. At the time my GMAC account was sold to Ocwen account, I still continue make mortgage payments of {$1000.00} the same way I did to GMAC in XXXX days each month pay period, it is showing on my bank statements. My very last payment to GMAC for XX/XX/XXXX was completed the same way, ahead, on XX/XX/XXXX. Attached is a copy of my bank statement at this particular date, showing payments. My first payment to Ocwen was completed by XX/XX/XXXX also ahead for XX/XX/XXXX ( in XXXX days of each month period ). So, there is no interruptions with payments. 
Each following month I did payments at time, ahead, except for XX/XX/XXXX and XX/XX/XXXX, because there was dispute with Ocwen. 
XX/XX/XXXX I did not pay for XX/XX/XXXX and XX/XX/XXXX I did not pay for XX/XX/XXXX, I missed those XXXX payments for XX/XX/XXXX and XX/XX/XXXX because of dispute with Ocwen. 
XX/XX/XXXX I did two payments for missing XXXX month and did third one mortgage payment for coming XX/XX/XXXX month with included " late fee charges '', so, instead of {$1000.00} I paid {$1100.00} to cover " late fees for missed XXXX month ''. The next payments in XX/XX/XXXX were done also ahead for coming XX/XX/XXXX months XX/XX/XXXX At XX/XX/XXXX I did mortgage payment for XX/XX/XXXX ... ....
Product: Credit reporting or other personal consumer reports

I am writing to dispute an entry on my credit report that pertains to debts I do not recognize. The entries under : - Navy FCU. Opened XX/XX/XXXX Balance : {$21000.00} XXXX XXXX & XXXX. Opened XX/XX/XXXX Balance : {$20000.00} -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$14000.00} appears to be inaccurate and unverifiable. 
Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if they can not be verified. Specifically, Section XXXX ( b ) of the FCRA mandates that if a dispute is made and the information can not be verified, the XXXX XXXX XXXX must remove the disputed information.
Product: Credit card or prepaid card

there were 2 fraudulent charges made for {$5.00} in XXXX, i have never used this account and had requested it to be closed more than 2 years ago the account had a zero balance. After these 2 fraudulent charges were made in XXXX there is a balance of {$13.00} which citi cards have reported me 60 days past due on my credit report causing my credit score to go from XXXX to XXXX. I'm in the middle of a home purchase and because my credit score has dropped significantly due to this fraudulent {$13.00} charge my loan rate is being increased significantly. When I became aware of the issue i notified citi cards who issues the bust buy credit card and they provided a reference number of XXXX and told me I would receive a letter and the report would be updated. I called again today and the report was still not updated and they are saying it will take 7-10 days now to update the credit report. They provided a new case number if XXXX. Never has Citibank even tried to reach me about the 2 charges for {$5.00} from XXXX on my statement it shows they were reversed the same day they were made and the card was closed due to fraud, I never received a call a letter nothing, this account has not been used in years so that should have been a reflag plus the charges were out of XXXX. I also want to know why when I requested the card to be closed when I paid it off several years ago it remained open. Ive now spent several hours of my time trying to correct this issue and have no confidence that Citi will do what they have now told me they would do for the past several days.
Product: Money transfer, virtual currency, or money service

I added a phone line to my XXXX account, for business purposes. Began receiving text notifications of transactions for someone else 's CashApp account. Verified these transactions were not coming from my personal CashApp. Contacted CashApp that I was receiving someone's personal financial information including their record of overdrafts, deposits, location of transactions. The only solution they offered was for ME to add the new number to my CashApp account. I repeatedly explained that I was receiving confidential banking information for someone else, without their consent or mine. They responded that they providing me information to fix the issue and they were sorry I wasn't satisfied. 

I shouldn't be forced to add a business phone number to a personal bank account to stop receiving someone else 's banking transaction information. CashApp offered no other information and ended the interaction.
Product: Credit reporting or other personal consumer reports

My ID was stolen and someone opened credit accounts in my name. As well as personal and auto loans. I file a id theft report and sent it in to the credit bureau and they completely ignored it.
Product: Debt collection

On XX/XX/year>, while serving on XXXX XXXX in the XXXX XXXX, I was taken to a local hospital due to an XXXX  ( XXXX  ) I contracted while in XXXX. I was taken to local hospital, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, because there were no military medical facilities located on the XXXX XXXX XXXX ( " XXXX XXXX '' ). While at the hospital I clearly identified my self as a XXXX  member on XXXX XXXX. 

After receiving treatment, I later received bills directly from the hospital. As required by the XXXX, I notified XXXX XXXX XXXX  XXXX XXXX in writing that they should bill XXXX. I continued to receive bills from XXXX XXXX XXXX  XXXX XXXX and then I later received letters from the collection agency XXXX XXXX XXXX  XXXX XXXX transferred the account to. Now I have received a negative item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion on XX/XX/XXXX about the following accounts that are not mine ; XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$710.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$690.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$1800.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ). TransUnion have not responded to my request to investigate as they are required by the FCRA. Attach is a copy of the disputes I send them
Product: Student loan

On XX/XX/XXXX, I attempted to sign up on Navient 's website for recurring monthly payments from my savings bank account. The process seemed to go smoothly, and I received a message on the website saying that it had been successfully enrolled. and that I could expect my monthly payments to come from that bank account moving forward. 

On XX/XX/XXXX, I received an email from Navient that my auto-pay enrollment had been cancelled. The message noted that " the bank account information provided was incorrect or invalid. '' Later that day, I called Navient 's customer service to resolve the matter. The customer service representative reported that the scheduled auto-payment had indeed been completed, even though I told them that it hadn't shown up on my online bank statement yet. 

On XX/XX/XXXX, I received an email noting that my payment had not been processed. When I logged onto my Navient account, I saw that my bank account had been deleted, so I entered it again -- again, registering for auto-enroll for my bank account. 

On XX/XX/XXXX, I received a past due notice by email about the payment. When I called customer service on XX/XX/XXXX, they told me my bank account had been " blocked. '' They said that it was an invalid bank number, even though it was all correct. They said that the only way to " unblock '' it would be to request that my bank fax Navient to verify that the account is " valid. '' At this point, Navient is charging me a late fee, and I still can not register to make automatic payments from my bank account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER:XXXXXXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( ii ) also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 ( b ) : a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX  XXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) # XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) # XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) HAS VIOIATED MY RIGHTS * 15 U.S.C 1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a acoount without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
THIS EFFECTING MY LIFE I BEEN KEEPING TRACK OF ALL MY CERTIFIED MAIL FOR TWO YEARS DOING EVERYTHING WITH NO ANSWERS FROM CREDIT BREAUES PLEASE HELP OR LOOK INTO THIS ALL MY RIGHTS ARE BEING VIOLATED FOR ALL THE MISREPORTING INFORMATION THANK YOU PLEASE.
Product: Mortgage

I fell behind on my mortgage payment from a divorce and financial obligation to care for my XXXX kids with XXXX XXXX   because of medical bills and other cost of living expenses. I contacted my mortgage servicer, Quicken Loans, and applied for a mortgage modification or a application for success. I turned in the paperwork required that they asked for. I have since called them three different times and Quicken has told me to resend my paystubs, my application was with underwriting and I need proof of increased expenses like medical bills. I feel Quicken is making this process longer to make me fall further and further behind in my payments until I give up and Foreclose on my home. I turned to XXXX XXXX XXXX for modification assistance, but afraid that it may be a scam. They told me to pay them XXXX dollars a month for 5 months for their assistance and stop paying my mortgage in that time. 
Please help, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number # # # # # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting or other personal consumer reports

I have an active FTC Identity theft file however, the bureaus keep allowing me to be further victimized. There are many inquiries that I did not authorize. I knew my credit was low so why would " I '' keep having my credit ran? I want the following fraudulent, unauthorized inquiries immediately removed. I have called and been given the run around by foreigners with these bureaus for a year now. This is peoples livelihood and its ruining my life. 

XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX