23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an unverified account from AFNI, INC.. I had previously disputed this account. I have never done business with AFNI, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AFNI, INC. provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI, INC. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I have contacted all 3 Credit Reporting Agencies several times about the same thing over and over again. Each has told me they have fixed the issue or the information is valid. At this point, I am now seeking monetary relief. 

My personal information is wrong, XXXX and XXXX are reporting non-mailable addresses. Only address should be listed, No other address. 

My DOB is reported wrong. 

The only variation of my name should be XXXX XXXX XXXX XXXX XXXX  - payment history is incomplete and is reporting the wrong Date opened date and is only reporting to XXXX. 

XXXX XXXX - is reporting to all 3 CRAs and all the information for each is reporting incorrect information such as, Account Numbers, Monthly Payments, Date Opened, High Credit, Last Reported, Date Last Active, Date of Last Payment, also the Charge-off Date, XXXX reports 2 charge-off dates of XX/XX/2023 and XX/XX/2023 and XXXX has a charge-off date of XX/XX/2023. Payment history is incomplete. 

XXXX XXXX I have disputed this information several times they have not shown any evidence or proof of this debt and XXXX and EQUIFAX are reporting incorrect information like Date Opened, Last Reported, Date Last Active, Credit Limit XXXX Past Due, Date of Last Payment XXXX XXXX - reporting incorrect information like Last Reported, Date Last Active, Balance, Credit Limit XXXX Past Due, Date of Last Payment, Monthly Payment, Payment History incomplete INQUIRIES - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX They have ignored the fact I am a victim of identity theft and have been trying to repair what has been affected. With this incorrect information being reported, I have not been able to do the simplest of things to ensure my familys well-being. I will also be filing another FTC report as well. 

I am more than willing to handle this matter in court.
Product: Vehicle loan or lease

On XX/XX/XXXX of XXXX my credit union, XXXXXXXX XXXX XXXXXXXX XXXX, mailed out checks to GM Financial to pay off a loan for a XXXX XXXX XXXX XXXX that I was purchasing from someone that had a loan through them. The previous owner said he didnt have the title for the car and that GM Financial had the title until the car was paid off. My credit union and I have tried multiple times to get ahold of GM Financial to get the title and pay off sent to us and still have not been able to reach them or hear anything back from them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report. I have noted that there is a charge-off listed on my account which I believe is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation of this information and the removal of any inaccuracies found during the investigation.

Please provide me with documentation verifying the accuracy of the information in question. If you can not verify it, please remove it from my credit report.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the status of your investigation.

These accounts have been closed, charged off, and written off on my credit report in XXXX  therefore a 1099c should have been filed, and balance should be updated. I have not received a 1099c for these accounts. This is a violation of the Consumer Protection Act, so could you please reach out to these companies to file their 1099cs and update accounts immediately, thanks.
Product: Debt collection

Portfolio recovery is now knowingly reporting collections to my credit reports. I have disputed this account several times as fraud and they will not conduct a proper investigation. They sent me only a letter from XXXX XXXX that stated that they owned the debt now. This debt does not belong to me and I would like it to be immediately removed from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported an invalid balance and an eviction onto my tenant history report and both are invalid. I went to court for which the account was dismissed and I had already moved out prior to at the ending date of my lease. I asked for their supporting documents and received an outrageous balance statement. I showed the court dismissal letter, phone conversations, repair list, and emails that I took to court. Company was and still is giving me the run around, all over the place, short staffed and very unorganized.
Product: Student loan

I had three loans particular loan with Sallie Mae. 

The disbursement date, per Navient is XX/XX/XXXX. 
Loan 2 was sold to an unknown servicer on or about XX/XX/XXXX and the amount was {$17000.00}. 

I elected to pay interest -- and did pay interest -- while in college. 

Navient charged {$4500.00} in capitalized interest on XX/XX/XXXX. 

The sum of those two XXXX. 

The loan was again sold, increasing the principal amount to {$23000.00}. 

Today, the account balance is {$18000.00}, in excess of the original principal, {$17000.00}. 

It is not known what the loan balance would be, accounting for payments and interest had the servicer not miscalculated. 

I kindly request your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 


I demand the following accounts be verified or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.
Product: Payday loan, title loan, or personal loan

I got a loan from a company called prosper. I got approved on line for the amount of { {$20000.00} } they charged me a { {$1000.00} } fee for the application fee transfer of the cash when they sent the money Directly into my checking account. 
I was already stuck with the fee but I had the loan and was ready to go, but then they made me set up my first payment back to them before moving forward. This is when I realized that their statements I was told and presented to online, in very colorful low numbers Get Low Rates Pay at your Own Pace Save Money with no Hidden Fees the Highest Risk Rating said it was only 11.68 % was all a smoke screen, after it was too late. 

I now had already paid a { {$1000.00} } Hidden feel, I now have to make monthly payments of { {$570.00} } for the next 60 months ( But I thought I got to pay at my own pace? ) and then the worst things happens and they hide this really well in your account, I notice they are charging me over 26.57 % in interest ( not the Highest Rating interest of 11.68 % as advertised ) - so here I am and now I start reading every little detail and theres no way out of it, theres no changes allowed, theres no negotiations allowed, they literally screwed me. I was under the impression they were helping me with a debt consolidation/personal loan and now Im paying more than I was before. 

I still had hope they would understand the miscommunication and we can negotiate on my behalf to get this fixed but prosper refused to bring my rate down and they said they dont work with other debt consolidation companies either and I have no choice but to pay the 26.57 % rate. 

Im sure now they will find a way to ruin my credit score too and put on a delinquent payment account because I wont agree to auto pay. 

They still have never sent a contract or a monthly statement, like I said I didnt know how much interest they were charging because they make it hard to find. 

Now after working with this amazing company that was going to make my life easier, Im spending every spare moment trying to find a way to be relieved of this contract, even if I have to get a real loan with 1/2 the  interest rate and pay it off in full or XXXX up the bad credit and file bankruptcy
Product: Credit reporting or other personal consumer reports

ON THIS DATE XX/XX/year>, XXXX IVE ASK THEM TO REMOVE XXXX  XXXX BANKRUPTCY CASE NUMBER XXXX. IT WAS DISMISSED, BUT ITS STOPPING ME FROM OBTAING CREDIT, AND MAKING PURSHACES. PLEASE HELP GET IT REMOVED. THANK YOU.
Product: Debt collection

I was never informed by mail this company had a debt of mine until it hit my credit and didn't even know I owed it because I was never informed. I never received a bill.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX This complaint is a REBUTTAL to a response from LVNV FUNDING / RESURGENT dated XX/XX/year> regarding a dispute on the above account also previous disputes regarding this account. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to my CONSUMER REPORT. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for. 

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and LVNV FUNDING/ RESURGENT are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - LVNV FUNDING/ RESURGENT is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

I became aware of how to check my credit report in dept in XX/XX/year>. I have sent several certified letters requesting accurate reporting or deletion. To date, there are still errors on all 3 Credit Reporting Agencies reporting information differently. I am requesting a deletion of all the accounts that were reported inaccurately and require my notification that the information was inaccurate.
Product: Student loan

I have sent 7 previous letters to the US Dept of Education and Navient, XX/XX/2020, XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/XXXX and XX/XX/2020 that I have repeatedly made offers for settlement of the alleged referenced matter immediately upon providing me with written and legally binding assurance that they will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form with the original signed consumer contract, and if unable to provide I have requested that they remove and delete inaccurate, incomplete, and unverified information from my file and they have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate, incomplete, and unverifiable and that are in violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and Regulation V, the Truth in Lending Act ( TILA ) and Regulation Z, and Fair Debt Collection Practice Ave ( FDCPA ) by ignoring my requests to make arrangements for settlement of the above referenced matter. 

Yet they have not verified or validated that this alleged debt to be in fact mine. 

They previously stated on XX/XX/2020 " The Department only provides the original promissory note to a borrower after his or her debt has been satisfied in full. '' This is in clear violation of TILA regulation Z, as this information was not advertised on the master promissory note, as according to TILA they need to provide additional disclosure, such as not being able to provide the original promissory note. 

And in violation of FCRA Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. Under the FCRA, inaccurate, incomplete, and unverifiable accounts and information must be removed and deleted. 

They have previously sent a discharge letter that I ignored, because this was not my request, I asked for validation and verification that these alleged accounts were mine with evidence of the original promissory note bearing my signature, as they have failed to do. As they have also tried to re-age my account and falsely claim I made a payment on these accounts in XX/XX/2020. 

They have continued to keep these remarks on my credit report, reporting to all three bureaus that this account is verified and correct. 

I have contacted the 3 credit bureaus XXXX, XXXX, and XXXX, with all documentation and my credit reports and they have all failed to comply and ignore my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

11 XXXX XXXX XXXX ; 11 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reached out to you all back in XXXX about some items on my credit that were not mine. This has really been a big inconvenience and has put me in a really bad spot. Some of the items were handled but there are still two more and some inquiries. Please remove these accounts from my credit asap. I got in touch with the local police also the ftc. Items for removal : XXXX XXXX XXXX XXXX and XXXX And the inquiries are XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX.
Product: Consumer Loan

I have made several EXTRA payments in the amount of {$500.00} each. There were no late payments or any in arrears. These payments were made with the directive of " apply to Principal only ''. As I noticed, they have been also charging interest on these extra payments. I called them and they told me they deduct interest on each payment made. I originally owed G E Credit for the dental work. They sold it to Synchrony XXXX. When Synchrony Bank started taking my payments, they jacked the interest rate to 28.9 % and they also started charging me {$89.00} for security purposes. After several months, after noticing my amount owed was increasing rather than going lower I called and asked why. They explained and said the would discontinue this charge. That 's when I decided to make extra payments, to lower the bill. I made XXXX extra payments of {$500.00} and noticed they did not apply the payment to the principle balance and charged me interest on the extra payments. I will attach a bill showing the interest deduction.
Product: Debt collection

Date opened XXXX XXXX debt allegedly owed {$670.00} my consumer rights have been violated ( 15 USC 1692 ) ( a ), ( d ), ( e ) validation of debt cease and desist letter has been sent
Product: Credit reporting or other personal consumer reports

In order to freeze my credit with the 3 major FOR-PROFIT credit companies, I was required to register with them. I did this several years ago, weaving my way through their attempts to get me to purchase membership and instead merely registered for free. In the last year, Experian has begun emailing me on a regular basis with supposed updates to my credit score. Things like, " Your credit score went up by XXXX points. Log in to see more. '' These are clear advertising emails that they are masquerading as service messages. I have asked to unsubscribe, and was told that weekly emails about my credit score are not spam and not advertising and therefore can't be unsubscribed. 

If I block the email address for these emails, I will be unable to receive legitimate emails from Experian when I need to thaw my credit for future purchases. 

I shouldn't have to pay for their service to exist in this world, and I also shouldn't have to listen to their advertising at their total discretion. 

I have threatened to report them for spam advertising and achieved no improvement, so I am coming today to request help from the CFPB. Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been going back and forth with XXXX for the last few weeks about disputing and deleting items off my credit report that does not belong to me. And they have done absolutely nothing to help me the accounts that 's on my credit report with them are not mine it 's two of them on there and I have over nine or 10 inquiries that do not belong to me and they will not delete them off and I 've been going back and forth with them for weeks all they keep doing this updating the information which is making it stay on my credit report longer I do n't understand how my credit keep getting run if I have the credit Identity On It so that anytime I credit is wrong you have to verbally speak to me to be able to approve me for credit I do n't understand how somebody is still able to run my credit and give me all these inquiries. 
Accounts that are not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX its on the report 3 times.Inquires that are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .Please help me with these accounts an inquires i did not give my permission on these. Nor did i authorized it.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I havent been able to access my XXXXXXXX XXXX for the last 6 months. And I can not get through on the phone lines. 
I filed a CFPB complaint when they reported me as late and they know this has been an ongoing issue with comenity customer accounts. 
My XXXXredit score updated that the account was closed and sent off to debtor while theyre still processing my CFPB complaint. They didnt even bother to fix the issue and now have negatively impacted my credit score.
Product: Mortgage

Hello, I recently closed on my home on XXXX XXXX 2019 with Veterans United as my lender. Today, on XXXX XXXX 2019 I logged onto their website in hopes to make my first home payment which is due on XXXX XXXX 2019. However, I came to find out my loan has been transferred to XXXX XXXX. My concern is not with the transfer. I understand these occur and a stated in the closing documents. My concern stems from my understanding both my old ( Veterans United ) and new ( XXXX XXXX ) lender have a legal obligation to inform me no less than 15 days PRIOR to the effective date. No one from either company has emailed, mailed, or called me regarding this transfer. I still have yet to be told from either lender of this transfer.
Product: Credit reporting or other personal consumer reports

It appears when an item is disputed for inaccurate information with Experian the company fails to properly investigate and remove disputes from my report. When the dispute is completed, there are no changes made. As a result my credit score remains low.