23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Just received a phone call from this company, AFNI, and I informed them, yet again because I have requested a validation of debt previously, to send me a validation of the alleged debt to the address that they have on file the representative told me that they did send it, and to check the mailbox. I have not received anything from this company, and yet AFNI still proceeded to attempt to collect on a debt that is still going through a validation process. Pursuant to 15 USC 1692g ( b ) collection efforts must cease when a debt is disputed.Therefore, the phone call was in violation of 15 USC 1692, and AFNI has called me numerous times within the past couple of weeks prior to this phone call about this disputed debt. 

The representative also attempted to threaten me by saying that " the debt is not yet reporting to my consumer report yet so it would be best to settle the account. '' I informed the representative that reporting the alleged debt will be in violation of the FDCPA, as I still have not received a validation of the debt therefore all collection efforts must cease. He told me that I was incorrect, and that according to the FDCPA they are able to still collect on the debt. That is false, as that goes against the federal statute that was put in place in order to protect me, the consumer from abusive and deceptive debt collectors. 

Reporting a disputed, unverified debt to a consumer reporting agency qualifies as a collection of the debt, and all further attempts to collect on the debt including any subsequent reports to the consumer reporting agencies violates 15 USC 1692g ( b ) ( Semper v. JBC Legal Grp., XXXX WL 2172377, *4 ( W.D. Wash. XXXX XXXX XXXX  ). 

When I told the representative that the debt was an alleged debt he laughed and said " alleged? would you like me to tell you the balance on the account. '' I did not appreciate the accusation nor the abusive and condescending tone that this representative displayed. Again, I have never received any documentation about this alleged debt from AFNI so for them to slander me for something that they have yet to prove and then threaten to report it to my consumer report is extremely harmful to me and my reputation as a consumer. 

At the end of the call I told him again to send me validation of the debt to the address that they have on file and that all collection efforts must cease, he said okay and we will still continue to collect on the debt. I was blatantly threatened by this company while at work, which is a violation of 15 USC 1692d that is in place to protect me from such harmful actions. This phone call has put me in a stressful position which led me to have to finish work early because I was not able to do my job at a level of efficiency that is expected of me due to my mind being distracted by this phone call.
Product: Credit reporting or other personal consumer reports

In XXXX ( around XXXX ) of XXXX, I was interested in a truck XXXX 's XXXX of XXXX XXXX had on their lot. I was speaking with a sales rep about it, but they ended up selling it before I even had a chance to look at it. Now, I see hard credit inquiries from XXXX XXXX ( XXXX XXXX XXXX  ), XXXX XXXX XXXX ( XX/XX/year> ), XXXX  XXXX XXXX ( XX/XX/XXXX and XX/XX/year> ) on my credit history. I want these removed as I NEVER gave any permission ( tacit or otherwise ) to do a ( hard of soft ) credit inquiry from this dealership. I have emailed the XXXX XXXX and called and left voicemails and can not even get him to answer me or call back for them to have it removed.
Product: Credit reporting or other personal consumer reports

I am unable to view my XXXX Report or Scores. I have submitted a complaint a few months ago with regards to this same issue. Please help. Why can't I see my XXXX report or scores. 

There are also incorrect address reportings on XXXX and Transunion : XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Incorrect Employer Information - XXXX XXXX XXXX XXXX XXXX XXXX have an account reporting that is not my account : XXXX XXXX XXXX ; This may be reporting on my credit file in error, please help me get this removed. I am in the process of trying to purchase a home and the fact that I can't see my XXXX and these other scores is holding me up. 

I don't know what else to do. XXXX is not showing my report and this has been going on for more than a year.
Product: Debt collection

XXXX I received a call from a private courier stating that they will be bringing documents to my house and or work if I dont call the phone number ( of the creditor ). The creditor called both my daughters And left voicemails t about my debts and if I dont call the credit and get a stop order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied XXXX XXXX credit card. Someone used my identity to used credit card. 
I made a police report and disputed this matter with XXXX, Equifax, XXXX XXXX. 
The Credit Bureaus stated my account was properly investigated but they did not. 
I never lived at XXXX XXXX area, There are address show on my credit report along with inquiries. I am trying to buy a car but this negative impact hurting my financial situation. 
I disputed more than 3-4 times but nothing happened. 
Please delete this XXXX 's credit card account.
Product: Money transfer, virtual currency, or money service

To the PayPal Appeals Team, I hope this message finds you well. I am writing to address a recent development regarding my PayPal account, which has been permanently limited. I believe that this limitation might have been the result of an unfortunate misunderstanding or error. I would like to appeal this decision and kindly request a re-investigation of my case. 

I would like to emphasize that, to the best of my knowledge, I have diligently adhered to all PayPal policies and guidelines. I have not engaged in any activities that could violate these terms. The limitation on my account has come as a surprise and I am deeply concerned about the implications it holds for my financial transactions. 

Given the circumstances, I am kindly requesting PayPal to conduct a thorough review of my account 's history and the factors that led to its permanent limitation. If any irregularities or concerns are identified, I am committed to addressing them promptly and effectively to ensure the integrity of my account. 

The email address associated with my PayPal account is XXXX. I urge PayPal to consider my track record as a responsible user of your platform. I value the services PayPal provides and have always used them judiciously. 

I understand that maintaining a secure and trustworthy ecosystem is of paramount importance to PayPal. I share these values and am genuinely invested in resolving any issues that have led to my account 's current status. I kindly request PayPal 's understanding and assistance in re-evaluating my case and potentially restoring my account to its full functionality. 

I appreciate your time and attention to this matter. I eagerly await a positive resolution to this situation. Please feel free to reach out to me at XXXX for any further information or clarification you might require. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had opened an account the account was closed down and my money was gone out of the account and when I called I was hung up on several times then about 3 months later an account was opened in my name and I had no knowledge it was closed completely and im not unable to bank in my name through bigger banks due to fraud situation this all took place in XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX0. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I endorsed a check from my employer to my Aunt ( XXXX XXXX ) a Chase Bank customer at the time. The check was deposited and placed on hold until XX/XX/XXXX at that time they said the funds would be available. On XX/XX/XXXX we were informed that the funds were not available and that a hold had been placed on the account. I have attempted several times to get my funds but they are requiring me to do a phone verification on a number thats no longer mine but its been attached to my consumer report so that is the number they are using to try to verify my identity. I have spoke with several managers and bankers but have yet to make much progress. This has been going for a month now and I would like to get this settled.
Product: Debt collection

IC SYSTEM TRY TO COLLECT {$340.00} DOLLARS. ORIGINAL CREDITOR 11 XXXX XXXX XXXX AND THIS ACCOUNT IT'S TOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX has been closed due to loan being cancelled by the government, but stills reports on XXXX as XXXX not paid, but has since been removed from the other bureaus.
Product: Debt collection

I received a legal document in the mail today XX/XX/XXXX from Portfolio recovery associates stating that they had reached out to my previous employer regarding garnishment of wages. This is from credit card debt from XXXX. When I called the phone number given, I was told they could not assist me nor give me contact information regarding any questions about this matter. This company has in the passed contacted friends of mine regarding this as well. This debt is due to a document chronic illness I had going back to XXXX. I am extremely concerned about any passed or future employment I may have since I am currently seeking employment. I currently have no income to support myself or my child.
Product: Credit card or prepaid card

This all stemmed from a fraudulent charge from XXXX which closed over a year ago from covid. initially, it took months to resolve which I did after days on the phone with Comenity XXXX Visa. A year later charges appear from XXXX in XXXX NY which we have never stepped foot in ( my husband was a member in XXXX NJ ) and I called Comeninty for weeks and finally got a so-called supervisor in their Fraud dept who said he will block the merchant from further access on my credit card and to pay the bill and I will see the credit next month. I then receive a letter a couple of weeks later from Comenity stating the dispute can not go further as they did not have enough information. I contact them again and speak to a supervisor who informs me there is nothing they can do and the person I spoke to initially who handled it was in fact not a supervisor but a customer service rep. Comenity is supposed to protect their customers from fraudulent activity which clearly is, XXXX XXXX Attorney General has already filed a class-action lawsuit with XXXX ( new XXXX XXXX XXXX XXXX as XXXX XXXX entity of XXXX is under investigation. I finally today was able to speak to someone in a supervisory position " XXXX '' ( the ONLY person to show concern and willing to handle ) who is sending new cards and will follow up. Shame on Comenity Bank XXXX Ohio for their lack of consumer protection and to outright lie about policies, procedures and their personal title/rank within their organization and their neglect to protect their customers with such a public fraudulent merchant as XXXX that the attorney general has filed suit against them.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Date opened XX/XX/2021 Amount {$390.00} File dispute with XXXX with negative results I don't recall service from the original creditor. I'm receiving bills from ARS and XXXX XXXXXXXX XXXX XXXX I believe for the same charge but different amounts. 

ARS ACCOUNT RESOLUTION Original creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  opened account XX/XX/XXXX. 
On Monday XX/XX/XXXX a final payment was sent along with a cancellation letter of the account ... XXXX XXXX XXXX  cashed said check that was attached to letter stating " By Cashing this check, XXXX XXXX acknowledges notification and account is to be cancelled. 

XXXX XXXX did not cancel the account as instructed... They proceeded to bill late fees on services fees ... No credit was used. On XX/XX/XXXX the late fees were paid and the account was then cancelled. I immediately filed a dispute to remove the late payment. 

XXXX XXXX sent a copy of account on XX/XX/XXXX with status showing : XXXX, XXXX XXXX. 

I have provided a copy of this document to Transunion 3 times and they keep coming back stating that XXXX XXXX is stating No Changes and report as accurate despite the documentation I keep providing to Transunion. 

Transunion simply says, " File a Complaint ''.
Product: Mortgage

We want to come out of forbearance with SPS Mortgage Servicing. We requested a trial modification at a reduced mortgage monthly payment. SPS offered a trial modification of XXXX monthly payment beginning on XXXX ending XX/XX/21. We requested detailed information from SPS concerning the mortgage modification to better understand what is the right choice to keep us in our home of 35 years. We have no other home but XXXX XXXX XXXX XXXX , Ca XXXX XXXX. SPS refused to provide us with a workout solution for a mortgage modification. We contacted SPS notifying them we must have detailed loan modification documents if we are to proceed as fully informed mortgagees, SPS refused to provide this information and told us to complete the trial modification from XX/XX/21 to XX/XX/21. We made every payment on time for the full amount they established as our new loan payment. Yesterday XX/XX/21 a document from SPS discharging our mortgage loan and the new mortgage is not a mortgage but a Lien and enclosed are the details of the Lien on our property and outlined repayment plans. ( Documents enclosed ) The lien repayment plans continue payments at the same as the trial mortgage modification cutting the interest rate from 4.5 % to 2.55 %. After a year the interest rate steps up and the monthly payment increases respectively increase. The first year is 2.554 % for a year, Months 13 to 24 increase to 3.054 %, 25 to 36 months 3.554 %, 37 to 400 month 4.023 % These are not in good faith a modification. SPS also requires a balloon payment of XXXX at the end of the loan. This is a fraudulent action of bait and switch where SPS gives us no relief, manipulates the numbers, and makes even more money. I am XXXX and this is taking a toll on my mental health and physical health, This is not a negotiation this is manipulating the historically predatory nature of companies taking away the ability to stay in our home and create wealth. This is unacceptable, unfair, and does not help us at all. XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit card

CHASE VISA CREDIT CARD HAS DENIED MY REQUEST TO REVERSE A {$1300.00}. SECURITY DEPOSIT BY XXXX XXXX, XXXX, CA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX closed my checking account XX/XX/XXXX which I thought was only for a negative balance. I later find out they closed my account for fraud which Ive never committed. The account balance was {$38.00} which I paid on XX/XX/XXXX. I talked to multiple representatives at XXXX XXXX XXXX on XX/XX/XXXX and not one could pull up information about fraud being committed. I completely understand that my account may have been closed due to a negative balance, but Im being reported for something thats completely inaccurate. Fraud and insufficient funds are 2 total completely different things. After trying to resolve the issue I spoke with XXXX and Early Warning trying to get the issue taken care of. I spoke with a representative at XXXX on XX/XX/XXXX and told him my issue how Im being misreported as fraud. He basically told me he knows and XXXX XXXX XXXX risk department reports EVERYBODY as fraud even if they havent committed any type of fraud and if I dispute its a waste of time because XX/XX/XXXX works for the banks not the people. He later told me also if I wanted it removed I would have to wait 5 years or pay {$400.00}. I then called Early Warnings about the situation and they told me to file a dispute which I received the documents in my email XX/XX/XXXX. This entire time Ive been misreported and its completely unfair to me because I cant get no type of Bank accts. All of them see me as fraud when Ive never done such a thing. I paid the {$38.00} that I indeed owe and I just want things to be done fairly. Yes I owed on a negative balance, no I didnt commit fraud. I called XXXX XXXX XXXX risk department today ( XX/XX/XXXX ) to see if they updated XXXX and Early Warnings so I could pursue getting me a new account with a better bank who doesnt just reports every account closure as fraud. The lady told me even though I paid, this account will stay reported as fraud until XX/XX/XXXX. I then told her that Ive never committed fraud and its reporting inaccurately. She told me that I shouldve filed a claim after the account was closed. I wouldve indeed filed a claimed if the account was closed to fraud, but I was under the impression that my acct was only closed because I had a negative balance of {$38.00}. Nobody at XXXX XXXX XXXX can tell me how I committed fraud but theyve reported me. This is completely unfair and its causing unnecessary stress in my life because Im being reported for something that I didnt do. XXXX and Early Warnings are working with the banks so its basically 3 against 1. Ive never committed fraud and XXXX XXXX XXXX is violating my rights. I demand some type of physical or legal proof showing I committed fraud, if not I need this misreported information removed immediately. Its at the point now where its affecting my daily life because I cant get another bank acct anywhere. If theres no proof where I committed fraud, I need to be removed from XXXX and Early Warnings immediately. Like I stated earlier, having an negative account and committing fraud are 2 completely different things.
Product: Money transfer, virtual currency, or money service

Ok so PayPal has been taking money from me and I paid for every transaction that I made PayPal is not cooperating and also slapping limitations on my account. I am about to take PayPal to court if this is not resolved asap. I am tired of the games and garbage they attempt to keep feeding me with this. Simple PayPal owes me a XXXX of a lot more than {$50.00}! PAY PAL quit playing games with my money and also I mean it when I say I will take you to court. I'm done with the trash you keep doing by crediting my account then on the sly reversing it. You stole money give it back! Simple. I have proof so stop acting like I am a XXXX insulting my intelligence.
Product: Credit reporting or other personal consumer reports

Company was not updating my credit information correctly and deleting incorrect information on my accounts.
Product: Debt collection

This company refuses to provide me verification and validation of debt. This debt is in dispute because i have never taken out any kind of a loan.