23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AFNI is a third party debt collector that is reporting account information incorrectly to the credit bureaus and thus negatively affecting my credit score. I sent dispute letter to AFNI asking for validation. Their attempt at validation was a printout of account history, which I do not believe sufficient to validate the debt. And even if it is sufficient to validate the debt the account shows last payment date to be XX/XX/XXXX - well beyond the 4 year statute of limitations and nearly too old to even show up on a credit report. However when the report the account to the credit bureaus they are using XX/XX/XXXX and XX/XX/2016 dates making it look like this is a recent collection account and heavily impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and found in my report with Experian credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$5000.00} CHILD SUPPORT ENF AG/N XXXX Balance XXXX {$4900.00}
Product: Mortgage

I have filed bankruptcy and included the home in the bankruptcy. But before then I also tried to sell the home several times. Had the home sold but Midland Mortgage refused to take the offer. Now I have filed the bankruptcy and the attorneys are sending docs to the home they know I do not live at. This home was included in the bankruptcy. Why is Midland Mortgage contacting me and saying they trying to sue me for a home I filed bankruptcy on? 
I am also filing a federal complaint against Midland Mortgage and the bar also for the attorney.

I had said several times I do not want the home and Midland Mortgage can have the home. I will be contacting HUD and also the news stations I know it's several other people that is having this problem with Midland Mortgage. 
I have filed Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I reached out via letter to XXXX XXXX XXXX to resolve this account. They were unresponsive. I followed up again as a follow up in XX/XX/2021 to resolve this account. This company was unresponsive. Please remove this account as this company has been unresponsive and did not respond in the allotted 30 days. Please remove from my credit report.
Product: Debt collection

On XX/XX/XXXX I was notified by XXXX XXXX that there was a change to my credit report upon review it was United Finance submitting as if I was applying for a loan. I have not applied for anything since XX/XX/XXXX with this company so I called on XX/XX/XXXX I called United Finance to see what it was about and was told it was to garnish my wages. I then inquired what for they advised for a auto loan that was taken out in XX/XX/XXXX. I disputed the claim and was sent a letter for ID theft asking for copies of my ID which I would not send. Then I contacted them again the next week to get balance and last date of payment and judgement date and court filed at I was told balance is {$12000.00} don't have record of last payment judgement dateXX/XX/XXXXXX/XX/XXXX and through XXXX County. I had sent a request to XXXX County to get a copy of court documents in which it states that a letter was mailed to a address that I was not at for at least 1 and half years prior. Still to this date I have not received one notice from United Finance even though they say that they sent statements. This loan was originally for {$2000.00} now almost 20 years later they are wanting over {$12000.00}. Per the court papers principal balance is {$1600.00} and filed on XX/XX/XXXX which is well past the 6 year statue of limitations.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting a Bankruptcy inaccurate and false information on my consumer report, and not In Accordance With ( IAW ) the FCRA. This information was not reported by the bankruptcy court. The bankruptcy information is as follows : XXXX XXXX Bankruptcy : Bankruptcy, {$0.00}, XXXXXX/XX/XXXX, Reference Number XXXX, Date FiledXX/XX/XXXX, Filed at XXXX XXXX XXXX KY, XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. I contacted XXXX XXXX XXXX KY was told the Court Never releases Bankruptcy information to the public, nor does it report to CRAs. I was also told by the Court that the only way such information is obtained is through the Public Access to Court Electronic Records ( PACER.gov ), which is a free service and provides the public with access to court records. Consumer violations are : 15 U.S.C. 1681 ( 4 ) : Congressional Findings, and 15 U.S.C. 1681c ( a ) ( 5 ) Information excluded from consumer reports, and no CRA may include any other adverse item of information to anyone. I have the right to privacy and LexisNexis is violating my right to privacy. I have never given LexisNexis consent or permission to give my information to anyone, which is a violation of 15 U.S.C. 1681b - Permissible purposes. The bankruptcy information is as follows : XXXX XXXX Bankruptcy : Bankruptcy, {$0.00}, XXXX XX/XX/XXXX, Reference Number XXXX, Date Filed XX/XX/XXXX, Filed at XXXX XXXX XXXX KY, XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. Delete this information now. I have had no help with writing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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
Product: Credit card or prepaid card

On XX/XX/2018 a credit card was opened without my authorization or permission for anyone to open a credit card with my information. Upon reviewing my credit report I found this information. The account is a result of identity theft and this account does not belong to me.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reference XXXX : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/2020 account was open from afini amount is XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint almost two years ago that the mortgage company was not reporting my mortgage to the credit companies. Their response was that they are working to fix this issue. They have yet to fix their system to be able to report on the three owners of the property.
Product: Mortgage

On XX/XX/21 I sent a check to Novad Management Consulting in the amount of {$170000.00}. I would like to mention that this was after several calls and emails requesting a payoff. I sent the check via XXXX XXXX and have received notification that it was signed for. This was to pay off my deceased mothers home. I have called Novad several times and have held for a minimum of 45 minutes each time. The last time I called them was on XX/XX/21. I was told that I would receive a call back within 5 days. I have been told this every time that I call. I have never received a call back from Novad. I am not able to sell my mothers home without the release of mortgage. I have also checked with the county of XXXX and a release has not been filed. With all of the fraud that is happening I am concerned that the check was cashed by a scammer. I have let Novad know my concerns when I call but they say they can not tell me if the check was processed. They will not give any info. It sounds like it is just a message center. They read you a script in response. The FHA case # is XXXX. My mothers name is XXXX XXXX and the property address is XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX Reported me as a 30 days past due to all XXXX credit bureaus for the month of XX/XX/2024. Which is not true as I had refinanced and the new mortgage company got a loan payoff from XXXX XXXX XXXX XXXX, and they forwarded the monies to XXXX XXXX XXXXXXXX XXXX on XX/XX/2024. When I called in to speak to their representatives, XXXX, XXXX, XXXX and XXXX, they all agreed and confirmed that XXXX XXXX XXXX XXXX  did in fact received the full amount due on XX/XX/2024 and the account was paid in full and closed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX Barcalys Bank Delaware, submitted hard inquires on my credit report. I have never done business with them. I have not applied for credit in at least a year. I also have an active fraud alert on my credit report. I spoke with them in XXXX regarding that incident and was advised that this inquiry would be removed within 30 days. Yet is was never removed. 

Further, when attempting to make contact with them regarding the XX/XX/XXXX inquiry, I am stuck in a phone tree and the system hangs up on me. 

I contacted XXXX and they advised that in order to have this inquiry removed, I need a letter from Barclays. Because I am unable to contact them, I am unable to get a letter to have these inquiries removed. 

Please help me get them engaged so these inquiries are removed from my credit report. Also, please notify them that I NEVER want to do business with them so they do not have my permission to EVER run my credit. 

Thank you, XXXX
Product: Student loan

I requested a Navient School Discharge application. In XXXX I submitted my application. I had over XXXX pages of evidence and included links to other documents related to the misconduct ( attached ). In XXXX Navient sent me a letter stating that my request had been denied because my complaint did not meet the criteria for discharge due to school misconduct. The school in question is the XXXX XXXXXXXX XXXX XXXXXXXX, which has been proven fraudulent. I want to receive a discharge of the private loans for this fraudulent school.
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 U.S.C 1681. 

Accounts Has violated my rights, XXXX # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A state I have the rights 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the account number on my XXXX, Equifax, and XXXX credit reports this account is inaccurate. This was properly investigated and shouldnt have came back verified and accurate. 

That is false information they are telling me. Account listed below : XXXX has it listed as XXXX XXXX XXXX : XXXX Equifax has it listed as XXXX XXXX XXXX : XXXX XXXX has it listed as XXXX XXXX XXXX : XXXX XXXX XXXX XXXX however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit. The ground for removal has also violated my rights under : 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 US.C : 1681 Section 604 A Section 2. 

It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit
Product: Bank account or service

Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade XXXX have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade XXXX account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade XXXX but was not supplied with an original account agreement. I signed up for the accounts in XXXX, however, Scottrade Bank and Scottrade XXXX provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade XXXX use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade XXXX provide me with the corresponding and original XXXX version of the sign contract and not a XXXX version that is materially different.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account XXXX To Whom It May Concern : This is my second letter requesting that your company correct your own mistakes. I have received no response from you and yet you continue to report to the credit bureaus, even verifying this account to them when I dispute it. I am well aware that is a violation of the Fair Credit Reporting Act to continue to report information on an account in dispute, especially when you have failed, per the FCRA and FCBA, to verify the account with documented proof. Therefore, I am humbly requesting, once again, that you either verify this account by providing the following information or you delete it completely with any and all credit bureaus in which you are reporting to. 

A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me as required by the Patriot Act ( You do take these precautions correct? ) An itemized statement breaking down the balance you claim I owe ; and Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 
I expect a reasonable response with sufficient verification per the law from you within the next 15 days of receipt of this letter or I will be forced to file a complaint with the Federal Trade Commission and all governing bodies to protect and rightfully correct my credit information from inaccurate and erroneous reporting. 


Thank you for your time and attention to this matter. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX  Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$200.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXXXXXX XXXX  ) XXXX  Balance : {$6300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX  Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I have owned a Chase Ink Business Plus credit card for approximately 10 years and have been earning Chase Ultimate Rewards points during that entire time. When I went to check my Ultimate Rewards balance yesterday, I was denied access to the site. When I called Chase, they informed that my account was associated with a " government entity '' ( it is NOT ), and they therefore removed me from the Ultimate Rewards program. I was NEVER informed that I would be removed from Ultimate Rewards, so over the last 3-4 months I spent approximately {$10000.00} on my Chase Ink card with no rewards in return. Chase also proactively liquidated my rewards account. 

When I asked why this was done without informing me, the agent referenced a change of terms notification I received in XX/XX/XXXXthat would have informed me of this action. The change of terms notification, however, did no such thing. No mention of government entity, rewards, etc. When I asked to escalate the case to resolve it, I was told that it was too late -- I missed the deadline. Yes, a deadline I was never given. 

I believe this is a violation of UDAAP and potentially other regulations. I was misled into doing my spending on this credit card in return for rewards and have not been issued the rewards I deserved. 

Alas, my research indicates others have experienced this same issue with Chase.
Product: Credit card or prepaid card

On XX/XX/XXXX I made my monthly payment to Paypal using my paypal online account. On XX/XX/XXXX I got an email that said " A recent transaction with your bank account ending in XXXX didn't go through and as a result, we have removed this bank account from your PayPal account to re-add this bank account to your PayPal account, please confirm with your bank that all information is correct. Alternatively, you can add another bank account ''. I then went to XXXX and opened an account online. On XX/XX/XXXX I got an email from my bank in reference to account ending in XXXX. The bank informed me that there was some fraud activity on my account and that they needed to cancel my card so they did and they also issued me a new debit card. On XX/XX/XXXX I tried linking my new XXXX checking account to paypal with no success. On XXXX I also noticed that I was issued a late fee on my paypal credit card in the amount of {$29.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several unauthorized inquiries on my credit report. I filed a FTC report on XX/XX/2022 and I feel like my rights have been violated. Please fix these errors with XXXX, XXXX and Transunion. 

Attached : FTC Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to remove the 5 late payments on both Dept of Ed / XXXX accounts. XXXX is in violation of 15 USC 1601 ( a ). For failure of protecting me the consumer against inaccurate billing.