23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The account listed on my account isn't mine. I have never been with the company they claim I owe. I have disputed this several times and I have gotten nowhere. 

This is the information I pulled from my reports. 

Company- AFNI , INC . 
Account # : XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
XXXX XXXX all
Product: Checking or savings account

I went out in XXXX XXXX ( XXXX XXXX ), California on the night of Saturday, XX/XX/XXXX beginning around XXXX PDT and stayed out until approximately XXXX PDT when the area closed ( please note this means my night technically ended on Sunday, XX/XX/XXXX ). The last charge I made that night was at XX/XX/XXXX at XX/XX/XXXX for {$44.00} - but after leaving the bar I noticed my phone and wallet were missing from my pockets. My best guess is as the venue was crowded with many people close to each other that I was pick-pocketed. I walked home ( I live nearby ) and immediately messaged my friends. First thing the following morning ( still Sunday, XX/XX/XXXX ) I went to XXXX XXXX XXXX when they opened. I called my dad from the store phone to ask him to block my stolen cards, then I spoke with a customer representative to buy a new phone because I had received an alert that XXXX XXXX XXXX had been disabled ( screenshot attached ) - so I knew it was taken as they blocked me from finding it. Once I had my new phone I immediately called Bank of America to report everything and let them know of the fraudulent activity. We went through each transaction and I noted when the fraudulent transactions began - first with a {$500.00} cash withdrawal in XXXX XXXX and then another {$300.00} cash withdrawal in the same area. There were also internal transfers made - specifically the majority of my savings account was moved to my checking account. There was then a fraudulent charge made at XXXX 's for {$1000.00}. The customer rep at BOA noted this and opened two claims. Within a few days I was granted a temporary credit for one of the claims and {$1000.00} was stored into my account. ***Please note I also made a report with the XXXX XXXX Sheriff 's department and provided this information to BOA*** Today, Saturday, XX/XX/XXXX I  received an email from BOA that they will NOT be reimbursing me for my losses and they concluded the fraudulent charges " were not made in error '' as stated in the attached letters. Also stated is the temporary credit of {$1000.00} will be reversed from my account on Monday, XX/XX/XXXX. I immediately called to challenge this decision but I was informed the department is not open until Monday. 
Please let me know if there is any more information I can provide and I will gladly do so. Thank you for your help.
Product: Debt collection

On XX/XX/2018 I received several texts and a phone call from family and friends referring a call addressing my name XXXX XXXX. This was a call to collect a debt. Yes! I understand I owe a debt. I am in a program to pay my debt off through XXXX XXXX XXXX XXXX in XXXX. The problem I have is ... .they are calling family and friends without calling me! I'm annoyed and irate because they are harassing them and not contacting me. The only reference I have on file would be my sister. About hour later, I started to received a text messages and a phone call from a distant relative which they received calls asking for me. I have never used any other family ( distant cousin ) for any kind of reference what so ever. The strange thing about it is I just got her number just a week ago @ her mother 's funeral service. How did they get her number? When I just got it a week ago. Are they hacking my personal information through my cell line? I am very concerned! There must be a proper way to address this. Am I suppose to receive a letter from this so call debt agency ( XXXX XXXX XXXX )? Evidently I never received a letter. I called the debt agency, an gal name XXXX  answered the phone and pick up like she knew who she was talking to. She asked me if I was XXXX. I address to her, Yes! and I asked her, What was the debt for? She wanted my Social security. I did not give it to her. I stated that she had all facts about me. I guess she wanted to make sure she was talking to the right person. I told her she had the info because they have been calling family and friends to contact me. The debt I owed was from " XXXX XXXX XXXX XXXX ''. The amount I owed is {$300.00}. I told her that XXXX XXXX XXXX is taking care of the debt. I gave XXXX   the name of the law firm and the phone number to law office. I made it aware that it was debt program and I pay the law firm to take of my financial affairs. I called XXXX XXXX XXXX XXXX explaining to the paralegal about harassing calls just recently received. XXXX is the paralegal who takes care of my account. He called XXXX XXXX. When they picked up the phone line, right away they asked XXXX if he was " XXXX '' XXXX replied, Do you know who I am? Then he realized these people seemed to be illegitimate debt Company. He asked about my debt I owed and they couldn't give the info he needed. What XXXX has told me the creditor sells the debt to pennies and you get these Debt Collectors to buy them and try to collect the debt from the consumer. I know for a fact i did not get a letter from " XXXX XXXX XXXX ''. They are not complying the ethnics from the Trade Commission and XXXX  bureau. All in all, I want to know what are my rights as a consumer advocate? Do they have the right to call family and friends without contacting me? I feel this Debt collection agency stole my info on my cell line by hacking my personal information of family and friends. We must stop these people from bullying the consumers! I just want to find out how did they get my personal info without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have contacted Experian, XXXX, XXXX  and XXXX about the fraudulent accounts placed on my credit file and they have done nothing about it. I have submitted a police report to all credit bureaus as instructed and they will not remove the fraudulent accounts.
Product: Mortgage

My mortgage holder ( XXXX, my loan number is " XXXX '' ) has incorrectly calculated my escrow analysis for the year 2018, resulting in an increase to my mortgage payment of roughly XXXX {$500.00} per month ( see below for additional details on this ). I have been working with them to try to get the analysis redone correctly since XX/XX/2018, I been repeatedly told by 2 separate representatives that the escrow account would be reanalyzed and the escrow payment would be lowered to the correct amount within 2 weeks ; it has now been 7 weeks since I first contacted them about this and they have made no attempt to fix the problem.

There are only 3 payments made from my escrow account annually ( these amounts are based on actual dollar amounts paid this year/last year, no major increases are expected on any of these values ) : School Taxes - {$3700.00} City Taxes - {$1900.00} Homeowners Insurance - {$660.00} -- -- Total paid out of escrow annually - {$6300.00} My monthly mortgage payment as of XX/XX/2018 went from {$1500.00} up to {$2100.00} following XXXX 's annual escrow analysis, of the new amount, {$1000.00} is going toward escrow. This results in {$12000.00} being added to my escrow account annually ( more than double what is needed to pay my taxes and insurance ). 

At no point has my escrow account ever gone into a negative balance or been unable to fund my tax and insurance expenses. Both representatives that I've spoken to at XXXX have acknowledged that the escrow was calculated incorrectly, but no attempt has been made on their part to fix the error, and I am left paying an extra ~ {$500.00} per month into an already bloated escrow account.
Product: Credit card or prepaid card

I have a medical condition that causes extreme hair lost. I contacted XXXX at XXXX hair Enchancements on XXXXshe promised to make a custom hair system for me. I paid her {$1500.00}. The hair system was tacky and did not fit. XXXX did not want to refund me the money. I also paid her deposit on XXXX and XXXX for another custum system that i have not received nor do i want her to make it for me. I open a dispute with Discover on XXXX. They returned the XXXX back to her because the said even though i am not happy with the system and service she did produce me the the hair system. DIscover and Fairwinds are still investigating my dispute of the deposit i made for the 2nd hair system. This women scamed me and distroyed XXXX on my own personal wigs i paid {$500.00} for each one. I have contacted XXXX and dept of business and professional regulation. This women gave me a business card under XXXX XXXX and her website. PREMIERHAIR.NET her name is XXXX XXXX. Neither name appear under XXXXXXXX XXXX or XXXX. The only person who has a license at XXXX XXXX per these organization is XXXX XXXX XXXX. XXXX refuses to refund me any of my money and Discover will not credit my account. I am not a scammer i have XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have contacted the credit Bureaus about inquiries that I didn't authorize on my consumer report and I called and requested for all XXXX Bureaus over the phone to have them removed. Upon checking my consumer reports I see the inquiries still reporting on my credit report and they haven't been removed I do not have a open account with any of these inquiries I want them deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a list of the names of the creditors, the dates of the inquiries and the Bureaus that are reporting the inquiries that I didn't authorize I have contacted each consumer reporting agencies to delete these inquiries but it hasn't been completed as of today 's date of XX/XX/year>
Product: Debt collection

I have been receiving ongoing bills from XXXX XXXX Hospital since the beginning of 2019 and most recently I received a notification of collection from ARStrat company. 

I visited this hospital in XXXX of 2019. They were unable to provide me the treatment and while I was in physical distress charged me {$1000.00} for the visit on the spot without billing my insurance company and are sending me additional bill for {$740.00}. I do not owe them anything and if anything they owe me {$1000.00} they wrongfully charged me.
Product: Debt collection

I have disputed with XXXX and Accounts Management Svcs several times this account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these company to make any inquiry and view my report. I am making a final goodwill gesture to allow them to correct there erroneous reporting. They have asked me via mail for exact inquiry dates after receiving a certified letter that included a copy of my recent credit report showing Inquiries for dates XX/XX/2019 and XX/XX/2019 and a copy of a Identity theft report. 
Failure to respond satisfactorily may result in a small claims action against this company seeking {$1000.00} per violation for : Defamation, Negligent Enablement of Identity fraud, and Violations of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account XXXX XXXX
Product: Mortgage

We bought a home in XX/XX/2023. The mortgage was with XXXX XXXX XXXX. This loan was sold/transferred/given to Mr. Cooper after a few months. In dealing with XXXX we requested information about adding taxes to the monthly payment. We received the information and submitted our documents and request twice. When we inquired why we received no response and wht the taxes were not added yet they said that the loan was going to Mr. Cooper soon, but that Mr. Cooper would receive our documents ( XXXX would transfer them, is what they promised ). We just called Mr. Cooper after paying them for a few months and not seeing the payment amount change. We have received no information about taxes being added to the payment. It took me 17 ( seventeen ) minutes to try to navigate Mr. Cooper 's customer service number and pressing multiple options to get to a representative. After pressing an incorrect option, the number XXXX, and pound signs probably a few hundred times I spoke to a very uninterested agent who told me that XXXX had not forwarded the information. She said they will send me the information by email and that it may take up to 30 ( THIRTY ) days. I feel very discouraged. These two companies seem uninterested in helping beyond collecting payments. I need XXXX to transfer/send the documents I sent to Mr. Cooper and to start, my taxes in an escrow account. We have lost valuable time. I would fully prefer to have yet another company because I don't believe they are capable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX date:1XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to file a complaint about an account that does not belong to me and is inaccurately reported on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The account in question is with [ name of the financial institution or bank listed on the report ] and has been incorrectly associated with my name. This error has negatively impacted my credit score and my ability to access credit and other financial services. According to the FCRA, specifically Sections 611 and 623, I am entitled to accurate information in my credit report. 

Information on the Disputed Account : Name of Financial Institution : XXXX XXXX XXXX Account Number : XXXX Date of Account Opening : XX/XX/XXXX Current Reported Balance : {$16000.00} I have attempted to resolve this inaccuracy directly with the financial institution and the credit reporting agencies, but I have not received a satisfactory resolution. Under Section 611 of the FCRA, I have the right to have this incorrect information investigated and corrected in a reasonable timeframe. Furthermore, Section 623 of the FCRA requires that data furnishers report only accurate and verified information in consumers credit histories. 

Enclosed with this letter are copies of my identification and other relevant documents that may assist in verifying my identity and supporting my claim. I appreciate your assistance in rectifying this error and ensuring compliance with the FCRAs accuracy and precision requirements. 

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Arnold Scott Harris, attorney at law, issued a letter via USPS mail that I owe XXXX. The amount due for payment does not match the total amount balance in the description in the bottom of the page. They also claim to be an attorney or is communicated by an attorney ; threaten that my property and XXXX from bank account would be seized. It does not even say I can dispute this bill and that paying this debt could stop collection activity. This bill is fraud and should be vacated. I would like other payments made to Arnold Scott Harris to be investigated for the legitimacy of the bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-17 I sent Equifax a letter disputing information being reported inaccurately to my credit report. They reported that their investigation was complete, but refused to make most of the requested corrections. Please see the attachments for the documents I sent to Equifax with supporting evidence.
Product: Credit card

My credit card company citi is stating that master card is not letting them proceed with the dispute.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Late Payment ( XXXX Bureaus ) XXXX  - Account # : XXXX - Past Due Amount : {$0.00} I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Money transfer, virtual currency, or money service

I used Ria XXXX XXXX XXXX  to send money internationally  with the promise that the transaction would take 30 minutes. I did this on XX/XX/XXXX. I took me at least 9 phone calls and finally the money was deposited on XX/XX/XXXX. They disclosed that the cost of this transaction would be {$7.00}, but the charged me {$1.00} additional to complete the transaction. Their customer service is very deficient with poor sound quality and long waiting times.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. The unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My checking account with bank of America was purposely overdrawn because the bank would process a check ACH and deduct the amount from my balance. Then a paper check would come through and they would back date it to before the date I wrote the check. This would cause the ACH check to over draw my account and I would be charged a XXXX dollar fee even for items that did n't overdraw the account. I am now so far in the red I am threatened with legal action