23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PLEASE MAKE ''AFNI COLLECTION AGENCY '' TAKE OFF THE " FRAUD BILL '' ( THAT I PAID OFF, & THEY TOLD ME THEY WERE GOING TO TAKE THIS NEGATIVE REPORT OFF OF ALL XXXXCREDIT AGENCIES ... .CONCERNING MY CREDIT REPORTS, ( WITH XXXX, XXXX, XXXX XXXX XXXX ). 

BELOW IS PART OF THE ONGOING CLAIM CONCERNING MY CREDIT REPORT ... ... CONTACT " AFNI '' & MAKE THEM REMOVE ALL FRAUD CONCERNING XXXX XXXX XXXX ( XXXX : ENDING IN XXXX ) ; FROM ALL XXXX ( XXXX ) CREDIT REPORTS OF XXXX XXXX ... .ALSO WRITE XXXX XXXX A PERSONAL LETTER OF SORRY, TO XXXX XXXX, AS THEY LIED TO HIM, AS THEY TOLD XXXX XXXX, THAT ONCE " AFNI '' PAID THIS ( XXXX MOBILE CELL PHONE OFF ) ; THAT " AFNI '' WOULD IN FACT TAKE ANY & ALL NEGATIVE REPORTS OFF OF SAID, ( XXXX XXXX 'S CREDIT REPORT )! 

Also, make sure ALL XXXXCREDIT AGENCIES take off ''AFNI COLLECTION AGENCY '' report of the FRAUD .... ( already filed a report or claim to your Agency : # XXXX ). 
I PAID this XXXX XXXX XXXX Mobile Cell Phone XXXX off, via my ''XXXX '', in XXXX 2015 ... .for : $ XXXX. Despite me paying this off, ( even thou I did ''NOT '' owe it ). After I discovered I DID NOT OWE THIS BILL, I ASK MY BANK TO REFUND MY MONEY OF $ XXXX ... which they are yet to do. I have filed a Dispute with ''XXXX '', for the above amount. 
Even thou I paid this FRAUD OFF ... .. '' AFNI COLLECTION AGENCY '' STILL IS REPORTING THIS ON XXXX '' & XXXX '', as still being on my Account, ( as PAID OR CLOSED ), BUT STILL LISTING THIS ''FRAUD '', on my XXXX Credit Agencies. I requested ' '' AFNI COLLECTON Agency '' to take this FRAUD OFF OF ALL XXXXCREDIT AGENCIES, & they ''AFNI COLLECTION AGENCY '', has ''NOT '' done this, despite THEM telling me that they would. 
So I would like to file a REPORT on ... .. '' AFNI COLLECTION AGENCY '' ... ... for ''NOT '' doing what they PROMISED me that they would do, ... ..***IF I PAID THIS FRAUD OFF***, THEY LIED TO ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a leased XXXX XXXX through General motors FInancial, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with Gm Financial on the phone and was told that a final bill had not been sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that Gm financial makes such mistakes, and holds itself holier than though. 
As a customer I am at a loss of words as to how the Compliance and Audit departments at G M Financial accept this kind of business. 
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are not in compliance with continuing to report fraudulent, incomplete, and inaccurate information to my credit report. I have sent them multiple dispute letters and they have failed to perform a proper investigation as per FCRA guidelines! 
The below information needs to be removed from my credit report immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized hard inquires from compaines XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed I had multiple collections on my credit report for the same student loans. After looking closer I realized that some of them even had the same amounts and account numbers but were added over and over again as if they were separate collections. This was making it seem as if I had multiple accounts go into collections when that wasn't the case. I filed a dispute online in an effort to get the matter resolved on XX/XX/XXXX. I received results on XX/XX/XXXX stating that all information was being reported accurately and this is simply not true. This is KILLING my score and is inaccurate! I also have late payments listed under my student loans ( even the currently open one ) which is inaccurate because all of my student loans have been in forbearance since XXXX until present. Some were just transferred, but we're NEVER late.
Product: Credit reporting or other personal consumer reports

To whom it may concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in XXXX v. Experian Information Solutions, XXXX XXXX XXXX. XXXX XXXX - Dist. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 

Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Mortgage

I paid my mortgage using the XXXX XXXX app on XX/XX/2019. I was told the auto pay was turned off. On XX/XX/2019 a duplicate payment went out for the same mortgage. Also on XX/XX/2019 the loan was unbeknownst to me sold to m and t bank. 
They are still sitting on a duplicate payment for XX/XX/2019 for 16 days now. 
I have talked to 4 supervisors and they say exactly the same thing each time. 
They all say something happened but they escalated it to the back office pay for next day return to my account. 
And then its back to square one going through this 4 times. They keep saying they do not have a bank document but I have emailed it and also faxed it to them ( they end up saying ti will be out today or tomorrow into my account. 
They are just sitting on it to get those 2 dollars of interest it makes sitting in their account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were fraudulently opened or initiated without my knowledge or consent. Under 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file. 
Fraudulent Accounts : XXXX  - XXXX - XX/XX/XXXX - {$6200.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6200.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out this loan on behalf of a business I am no longer with. I am attaching the agreement, which fell under XXXX XXXX XXXX XXXX. I am no longer responsible for this debt. Despite my attempts to make payments, the XXXX XXXX  never worked. I recently learned that my loan was sold to another party, and I was not informed or notified about this. This debt is not mine ; it belongs to another company.
Product: Debt collection

To whom it may concern : Enhanced Recovery Company is reporting an " alleged account '' with a balance of {$170.00}. 

This account was never validated and is in violation of the FDCPA and of my Constitutional Rights. Please delete asap. 


Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was looking to be pre-qualified for an auto loan. I saw that Bank of America offered this. On their website, it very clearly states, No impact to your credit score. It also says, In only minutes, see what you may be able to borrow with no credit score impact. This was perfect, because I wanted a soft inquiry on my credit report, not a hard inquiry. My credit score dropped from XXXX to XXXX overnight on the night of XX/XX/year>. I checked my credit report on XXXX and sure enough, Bank of America was listed there as a hard inquiry.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Inquiry to Consumer Report by Amsher Collections I am writing to file a complaint against Amsher Collections for violating the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, Amsher Collections unlawfully obtained a copy of my XXXX consumer credit report without a permissible purpose or my authorization, which is prohibited under the FCRA ( 15 U.S.C. 1681b ). 

I do not have any account or relationship with Amsher Collections that would allow them to review my consumer report for a permissible purpose under the FCRA. By knowingly obtaining my consumer report under false pretenses, Amsher Collections has violated 15 U.S.C. 1681q, which carries potential criminal penalties. 



I have included a copy of my XX/XX/XXXX demand letter detailing the violation. I am seeking assistance from the CFPB in compelling Amsher Collections to comply with the FCRA and compensate me for their unlawful actions in obtaining my consumer report without authorization or permissible purpose. 

Thank you for your attention to this matter. 

Sincerely, s/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

Mohela has recently taken over servicing my student loan and have never had issues with the handling of my loan under previous loan servicers. Mohela has made the loan repayment process as difficult as possible. They eliminated their phone app which allowed me to monitor, manage and manually make student loan payments. They have since eliminated their phone app and require to log on to their website in order to manage and make payments to my student loans. Mohela transitioned to a new platform approximately XXXX weeks after XX/XX/XXXX according to an email I received notifying me of the change on XX/XX/XXXX. While this transition happened I was unable to access or make payments to my student loan which when logged on to the web based platform stated that the loan was in forbearance and this forbearance lasted a few months where no payments were due. I registered my account on their new platform on XX/XX/XXXX. On XX/XX/XXXX I received a notification that I had a payment that was past due. I made a payment on XX/XX/XXXX in the amount of {$XXXX} to cover the past due amount the current payment, and the late fee. I then requested to enroll in XXXX XXXX and received an email confirmation that my request had been received on XX/XX/XXXX and to allow XXXX business days for processing. I then received an email on XX/XX/XXXX with a payment due soon notification for XX/XX/XXXX. I didn't think much of this because I had enrolled in auto pay previously and wasn't worried about the upcoming payment. I then received a notice on XX/XX/XXXX that I had a payment that was due soon with a due date of XX/XX/XXXX and a break down of the current amount due and the past due amount for XXXX. I should not have a past due payment as I enrolled in XXXX XXXX. I then received a past due notice on XX/XX/XXXX the same day as the payment due soon notice. I paid the current due and past due amounts again and re enrolled in XXXX XXXX on XX/XX/XXXX. 
I am writing this complaint to highlight the fact that my request to enroll in autopayments have gone ignored or Mohela has encumbered the simple process with their special rules that my request won't take effect because I didn't meet X, Y, or Z requirements and couldn't process the request. I have not received a confirmation that my request to enroll in XXXX XXXX has been accepted only a confirmation that the request was received. I demand that Mohela process my request immediately, and waive any late fees and penalties that were incurred after my first request back in XX/XX/XXXX be reimbursed to me. I feel that in this regard Mohela is mismanaging my student loan servicing.
Product: Debt collection

Despite my previous disputes and your assurances, fraudulent accounts continue to plague my credit history. Your lack of competence and inability to rectify this situation promptly is both distressing and unacceptable. You are making fun of my distress as some of the fraudulent accounts were deleted previously, and then you listed back the accounts again. Clearly, you are violating the FCRA as you failed to provide accurate information consistently. 
Account Information : Creditor Name : XXXX XXXX PLEASE DELETE!!! 
I am formally disputing the presence of fraudulent accounts on my credit report. It is incomprehensible that, despite my repeated efforts, these inaccurate and damaging entries persist. Your agency 's failure to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) is not only inexcusable but also indicative of a systemic failure to report accurate information. 
I am left with no choice but to express my dismay in the strongest terms possible. The impact on my financial life has been substantial, and your lackadaisical approach to addressing this matter only compounds the distress I am enduring.
Product: Mortgage

I decided to sell my home in XXXX  of this year. I called my lender, Santander Bank, to get a payoff so I had a rough idea what I would get after the purchase and sale agreement went through. I made several maybe 5 calls to Santander and on one of these calls I asked the woman how much would the payoff be if I paid off the loan that Day. She answered about XXXX  plus some change. I asked her if she was 100 percent sure. I told her I could not be wrong. I believe she even put me on hold to confirm this with another person. She dd explain that interest accrued daily which i knew, On my statement it appeared that the pay off was XXXX plus change. It did show i was behind on escrow by about XXXX, but the pay off i was given made it sound like this was figured in and total balance on my statement appeared to be XXXX. So i go ahead and sign the purchase and sales agreement and when i went for the closing that number went up by XXXX. 16k was escrow i owed and XXXX  was the interest. no where on my bill did it say there was XXXX  in back due interest. So I appealed this through Santanders executive branch who supposedly listened to all the recordings of my calls from XXXX through XXXX. I was dealing with XXXX XXXX who rejected my appeal after sitting on it for 30 days. He knew my credit was going to change if i didn't close when i did. I do not believe they were being truthful only because I know what was said on that calls, I'm hoping you can listen to all calls from XXXX to XXXX, I believe the call in question occurred on XXXX with a woman named XXXX. 99 percent sure but other calls need to be listened to if this is wrong. they were off XXXX. I was aware that I was about XXXX  behind my payments and I specifically asked if the payoff included the XXXX  that I was behind on. They were adamant that the XXXX was included in the pay off of XXXX  and some change. if the In order to resolve this sooner than later I'm willing to eat the XXXX  in back due escrow if their willing to reimburse me for the XXXX  in interest as this amount was not on any statement. i believe the corporate address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Phone number XXXX. I dealt with the executive team like i said. their number is XXXX. I can't tell you how bad of a situation this put me in. i was able to delay my closing 30 days for them to make a decision. They basically said they couldn't assist me. i let it go for a month or 2 until someone suggested i contact the Massachusetts banking commission who then told me i need to go through you all, any assistance you can provide to resolve this will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I was paying LVNV XXXX dollars a month payments asked that it be reflected on my credit report balance was told no did not have to do that. The LVNV stopped my payments. I would call Resurgent Capital and get told I had to speak to a special unit in the company but there was never an answer when transferred so I told complaints with you. How can a debt be a good debt if the Company refuses to let me make payments? How do they get to mess up my credit for refusing to allow me to pay on a debt? I filed a consumer law suit against LvNV or resurgent capital but got told they dont do arbitration? Please explain how this can happen and why. Why has the Federal Consumer Protection Agency allowed a Collection agency to abuse their power refuse payments, stop payments and say that company has a right to report it to a credit reporting Agency
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company on XX/XX/XXXX and XX/XX/2024, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Product: Mortgage

XXXX XXXX XXXX, XXXX. successor by merger to XXXX f/k/a XXXX ( XXXX ) committed a bona fide error when they did not renew the original flood insurance policy for the property owner/borrower. XXXX committed another error by placing force placed flood insurance that exceeded normal market value prices. XXXX committed yet another error when they force placed hazard insurance while private hazard insurance was current on the property. See Attached documents. 
Collectively, XXXX 's errors directly caused the property owner/borrower to go into default because ( 1 ) the payment for force placed flood insurance was raised to an amount not affordable and not reasonable and ( 2 ) charges duplicating hazard insurance were included in the total charges for both unnecessary hazard and unreasonable and unaffordable flood insurances.
Product: Credit card

I had XXXX late payment so Citi card lowered my limit. The late payment could not be avoided. I am told that this is an illegal act.
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 and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX A : XXXX, XXXX XXXX XXXX : 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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 convictions of crimes which antedates the report by more than seven years.

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.