23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AFNI for committing identity theft. I have never given AFNI any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from AFNI before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AFNI can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AFNI can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AFNI continues its collection efforts, I will file for litigation for actual damages caused and AFNI will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card

Given my consistent track record of punctual payments on this account, it is unjust to have this inaccurate notation. I request that you promptly adjust my account to reflect the true history of my payments.
Product: Student loan

I have set up a rehabilitation payment plan with the collection agency XXXX on XX/XX/XXXX I made my first payment to them. 

I then had my social security check for XXXX garnished for {$210.00} this was a major hit to my financial budget to say the least. 

My first letter from my loan servicer Navient was XX/XX/XXXX stating to act quickly an set up a rehabilitation plan before XX/XX/XXXX or my social security would be garnished, so I did and made my payment XX/XX/XXXX. I quickly made a call on XX/XX/XXXX and spoke with " XXXX '' and she promptly opened a ticket to resolve the issue and to allow 3-5 business days. the ticket number is XXXX. I asked if they would take another garnishment in XXXX but she could not say or give me false hope. I called again on XX/XX/XXXX and spoke with a young man by the name of " XXXX '' he could not give me any good information or updates at all he just kept referring to XXXX, and then to the IRS, and to XXXX? this was an automated system and does not talk to live people. He did not help at all or attempt to just wanted to send me to one bad number after another. Please Help!! I'm XXXXyrs old!
Product: Credit reporting or other personal consumer reports

I recently applied for a small loan and my bank was unable to pull my credit report because Equifax said I had a freeze on my credit. I called Equifax and they said I did not have a freeze. I also called XXXX and XXXX and they also said I didnt have a freeze on my credit yet my bank is still unable to pull my credit for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Equifax on several occasions requesting that they investigate a derogatory account that is past the statute of limitations for being on my credit report ( 7 years ) - for XXXX ( XXXX ) - which is is showing as a derogatory collection because it was settled in full. 

On both occasions the credit bureaus ignore my written requests for removal of this outdated information, and they don't respond at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and is affecting my livelihood. XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 have requested validation of debt I also sent a notice of dispute attached below sent with certified mail.
Product: Credit reporting or other personal consumer reports

I have attached an FTC repot with fraudulent unauthorized inquiries
Product: Credit reporting or other personal consumer reports

Im sending this complaitns to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to delete these items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I requested information on available financial hardship programs, interest rate reductions, and structured payment plans to manage my account responsibly. I specifically asked whether Chase offers any options to lower my 30 % interest rate without requiring account closure. I also requested clarification on why my account was deemed not eligible for hardship assistance. 

During this process, a Chase representative hung up on me while I was inquiring about hardship options, which was unprofessional and unacceptable. When I called back, another representative told me that Chase has no hardship plans unless I agree to close my account and that no one at Chase has the authority to lower interest rates under any circumstances. 

Other major banks, including XXXX XXXX, provide hardship programs that reduce interest rates and allow accounts to remain open. Chases refusal to offer any relief while keeping me locked in a 30 % interest rate feels like predatory lending and an unethical business practice. 

Additionally, a Chase representative discouraged me from filing a complaint, stating it would be a waste of time. This further reinforces the idea that Chase is actively working against its customers rather than providing fair solutions. 

What I Want Chase to Do : - Offer a structured hardship plan that reduces my interest rate while keeping my account open, like other major banks do. 
- Investigate and hold accountable the representatives who hung up on me and discouraged me from filing a complaint. 
- Provide a formal written response explaining why my account was deemed not eligible for any assistance. 


Chase Case ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Account Name : XXXX Account XXXX : XXXX Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX XXXX certified mail to Experian : XX/XX/XXXX Credit Bureaus, XXXX, XXXX XXXX and Experian, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate. The date opened, the date last active, high credit and the date last reported are all inaccurate still. The payment history is incorrect and also not reporting correctly and XXXX does not report any payment history at all. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report. 
They have had plenty of time to actually verify and correct any errors but still have not and just keep sending back that the account is verified wasting my time and doing personal harm to me.
Product: Debt collection

I get unknown calls to my phone and they try to get me to say my name and then say this is a bill I owe
Product: Credit reporting or other personal consumer reports

I called and dispute Was informed by XXXX that it came back verified. Didnt actually speak to any one only submitted and responded was very. They provided information and response is correct because the law holds the company accountable
Product: Credit reporting or other personal consumer reports

Please remove the accounts as this account is inaccurate and this must be remove as soon as possible as it based on FCRA 605B, accounts that are inaccurate must be removed off a customers credit report
Product: Bank account or service

I sold some personal items on Ebay which owns PayPal, Ebay charges a 10 % fee for the service, they force you to deal with PayPal ( which they own ) in order to receive the funds. PayPal acts in the capacity of a bank, they receive the payment from the buyer and then process by wire to the seller. The problem is they charge a 2.9 % fee for their service. They do not inform the consumer of the amout of time for the transfer nor do they allow for alternate methods of payment that will avoid having to pay the 2.9 % fee. they received the payment from the buyer on XX/XX/2016, as of today XX/XX/2016 I have not yet received the funds, neither have they transferred to the Federal Reserve for wiring into my account. They are charging for services while earning interest on my money and not providing any refund or rebate on the fees, they act as a bank even though they claim they are not one. I want a refund of the 2.9 % fee since they have not provided any services for this fee, in addition this fee should be a part of the ebay fee charged of 10 % this is usury.
Product: Debt collection

I recently pulled my credit report I notice there are unauthorized inquiries, as well as inaccurate information, collection accounts as well due to recent data breach XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$7900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$9800.00} XXXX XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXXXX/XX/XXXX {$60.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3600.00}
Product: Mortgage

This is proof positive that Wells Fargo and other committed outright fraud. I have attached supporting documents and case law that supports what they did was outright fraud. Please view the assignment dated XX/XX/XXXX. You can see that Wells Fargo created this assignment for XXXX XXXX. This is not possible because XXXX XXXX XXXX went out of business back in XX/XX/XXXX. If you look at the case law, which is attached you will see that it is not possible. The alleged Assignment of Mortgage which purported to transfer interest in the mortgage to XXXX XXXX as assignee, was invalid because XXXX XXXX as nominee for XXXX XXXX XXXX had no authority to assign the ownership interest of said mortgage, because XXXX XXXX was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX, which was a non existent Corporation. Said purported assignment was without authority and therefore invalid. XXXX XXXX had no ownership interest in the mortgage and was merely named as a nominee for the non-existent corporate mortgagee. Based on the foregoing, Wells Fargo and XXXX XXXX had no standing to bring any actions. Neither had no legal right to attempt to claim ownership of the subject Note and Mortgage, or any right as servicer, for some other unknown entity, and is without any legal basis to attempt to foreclose the subject mortgage, or to collect on the Mortgage Note, because XXXX XXXX XXXX did not exists after XX/XX/XXXX. The collection of mortgage payments by the Plaintiff and its predecessors in interest, was therefore illegal and they were without any legal right to receive and use or disburse the funds therefrom on behalf of any owner of the Note and Mortgage, or any other party. ( They attempted to foreclose on 3 separate occasions ) Another fraudulent assignment which is dated XX/XX/XXXX is attached. You can see that Wells Fargo created this assignment, but indicated that the assignor and assignee was both XXXX XXXX. How can you assign an assignment to yourself. There is also the issue of material fact as to the assignment dated XX/XX/XXXX, which was recorded in XX/XX/XXXX, well after they initiated a foreclosure. This is well documented fraud and the CFPB needs to take action on this immediately.
Product: Credit reporting or other personal consumer reports

Lease- Rental is reporting on my credit report as an inquiry. I called them, and they researched and found that there was no record of my applying for credit with their company. I am asking that XXXX and Lease- Rental remove my inquiry for the credit report immediately. I have attached a letter from the Consumer Federal Trade Commission. 
My complaint number is # XXXX.
Product: Credit card

Citibank closed my credit card account before I got a chance to pay off with no interest due to a bad check. 

It would 've never been a bad check had they removed the direct deposit from an unused account ( old account closed due to fraud ). I was making payments of {$150.00} on time from an updated account. After i noticed the first attempt to take direct deposit from my closed account ( which I 've called multiple times to remove ), I called again to ask them to remove that direct deposit since I tried and was unable to do so online using their online portal. Btw, I work as a XXXX, so I 'm pretty sure it was a bug on their end. I removed the old direct deposit countless times manually and even over the phone. They decided to cancel my account even though I was making all my payments on time. Because of their incompetence of not removing my original direct deposit like I 've requested countless times, it resulted in a bounced check in which Citibank closed my credit card account. Now my credit is negatively affected. I cant make purchases ...
Product: Student loan

THE LOAN WAS ORIGINALLY TAKEN OUT IN 2005 FOR {$20000.00} I WAS GIVEN DEFERMENT BECAUSE THE SCHOOL ( XXXX XXXX UNIVERSITY ) LOST IT 'S ACCREDITATION AT THE TIME AND I TRANSFERRED SCHOOLS. ONCE I STARTED PAYING ON THE LOAN I WAS GIVEN AN AMOUNT TO PAY AND WAS NOT TOLD IT DID NOT APPLY TO THE PRINCIPAL BALANCE. FAST FORWARD A FEW YEARS, I LOST MY JOB, MY MOTHER TOOK ILL WITH A XXXX XXXX, AND I BECAME XXXX. XXXX XXXX SOLD MY LOAN TO NAVIENT, WITHOUT MY KNOWLEDGE AND I STARTED RECEIVING HARASSING COLLECTION CALLS FROM A COMPANY I NEVER HEARD OF. NAVIENT THEN SOLD MY LOAN TO XXXX XXXX XXXX AND I STARTED PAYING THEM $ XXXX- {$250.00} A MONTH SINCE XXXX 2015. NAVIENT STATED MY ACCOUNT IS CLOSED ON MY CREDIT REPORT AS A CHARGE OFF, BUT THEY ARE STILL REPORTING NEGATIVE ON MY CREDIT REPORTS, WITH FAILURE TO PAY. I AM ACTUALLY PAYING THE NEW CREDITOR FAITHFULLY EVERY MONTH OUT OF MY PERSONAL CHECKING ACCOUNT. I HAVE DISPUTED THIS MANY TIMES WITH ALL 3 CREDIT BUREAUS AND HAVE ASKED NUMEROUS TIMES FOR NAVIENT TO CORRECT THIS INCORRECT INFORMATION. I HAVE SUBMITTED ALL PROOF OF PAYMENT ( EVERY CHECK THAT HAS BEEN PAID THROUGH MY CHECKING ACCOUNT WITH XXXX XXXX XXXX ) ONLY TO HAVE NAVIENT SAY THEY WO N'T REMOVE THE NEGATIVE REMARKS/LATE PAYMENTS, AND THAT THEIR INFORMATION IS CORRECT, WHEN IT IS NOT!!! MY LOAN WAS SOLD TO A COLLECTION AGENCY AND I HAVE BEEN PAYING EVERY MONTH. I HAVE ALSO ASKED NUMEROUS TIMES FOR THEM TO SEND ME MY ORIGINAL LOAN INFORMATION AND THEY HAVE FAILED TO DO SO. THEY ARE REPORTING INCORRECT INFORMATION, WRONG PAYMENT INFO, THE ACCOUNT IS CLOSED THEY SHOULD NO LONGER BE REPORTING ANYTHING, AND THEY ARE REPORTING AN INCORRECT BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion keeps adding extended fraud alerts on my credit. I don't want any fraud alerts or credit freezes on my credit at all. I want everything unlocked and removed Now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent out a letter requesting validation of the account I discovered on my credit report. XXXX, EQUIFAX, AND XXXX have failed to respond in a timely manner to my dispute letter and it has been well over 30days since my initial letter. XXXX XXXX XXXX also failed to send sufficient documentation, specifically the contract, note or other instrument bearing my signature. The following account is inaccurate and should be removed from my credit report immediately. 
XXXX XXXX XXXX XXXXXXXX UNVERIFIED It is to my understanding that XXXX, XXXX XXXX and Equifax are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all XXXX credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this XXXX XX/XX/2022. Equifax most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. XXXX made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, XXXX often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

This is bothering! I have been disputing my XXXX XXXX for you to remove the fraudulent accounts and information you report on my XXXX XXXX! But despite my multiple attempts my XXXX XXXX still includes a number of fraudulent items being reported! I have been requesting that you send me copies of documents you found from your investigation supporting your claims that the disputed items belong to me, and yet I received nothing! It should have been expected that the disputed items be removed from my XXXX XXXX since you are unable to support your claims! I demand you to comply with the Federal law, Fair Credit Reporting Act section 605b, and remove the fraudulent accounts and information off from my Credit File. I need you to remove the following items : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/2020. You have been disappointing and failing me multiple times proving the rumors that you are not willing to execute your responsibilities! Under the Fair Credit reporting Act section 605b, I command you to remove the disputed fraudulent accounts and information off from my XXXX XXXX!
Product: Debt collection

Flagship Credit Acceptance did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Flagship Credit Acceptance has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX 2017.