23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from AFNI stating that I have an outstanding debt from XXXX in the amount of {$470.00} from account XXXX from XX/XX/XXXX. I explained to them that it could not be me and that I had closed my account which has a different number entirely of XXXX XX/XX/XXXX due to switching carriers. They asked for the last XXXX of my social security number, which I provided and they said yes, that is what we have on file. I then provided my entire social security number and they stated that this was the number that they have attached to the account. I was then told to file a police report, but per my credit report, this was not on my credit so I did not feel it necessary to file a police report for identity theft. I was given a contact for XXXX XXXX and spoke with a gentleman by the name of XXXX who stated that the social security number attached to account XXXX was not my social security number and that he believe it to be a clerical error on the AFNI 's part. I asked if he could conference and he stated that he did not have the ability to do that. I called AFNI back to inform them of what I was told by XXXX and they stated that the social security number they have is what was provided to them by XXXX. I spoke with a supervisor by the name of XXXX who stated they would flag my account for possible fraud and would contact me with further information. Also, I have never resided at the address attached to the account. The address they have is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I have resided at my current address for almost 6 years. I waited two weeks before contacting AFNI back for status and when I called, the representative I spoke with stated that the current status was that they were waiting for me to file a police report. I told him that his supervisor was supposed to be flagging the account for fraud and that I am not going to file a police report because my identity had no been stolen. he transferred me to his supervisors voicemail and I have yet to receive a call back. I have sent them a certified letter with a receipt request asking AFNI to validate my debt and I now have the Minnesota Office of the Attorney General involved. They mailed letter to both XXXX XXXX and AFNI on XX/XX/XXXX. I feel as though AFNI obtained my social security number because I provided it to them. I have researched this company online and it seems as though they are not very honest with their attempts to collect debt. This company should not be allowed to operate if they are trying to collect debt dishonestly. This debt is not mine and they are not willing to help in any way. AFNI and XXXX are pointing the finger at each other putting the blame on one another. Meanwhile, I have been doing all of this footwork to prove that this debt is not mine and never has been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

FROM XX/XX/2022 TO PRESENT I HAVE DISPUTED A FRAUDULENT XXXX XXXX XXXX CREDIT CARD ACCOUNT THAT SOMEONE OPENED IN MY NAME BY STEALING MY IDENTITY. I NOTIFIED ALL 3 CREDIT REPORTING AGENCIES AND XXXX XXXX XXXX  ABOUT THIS FRAUD IN WRITING 3 TIMES, NOTHING HAS BEEN DONE TO CORRECT THE PROBLEM. THIS IS AFFECTING ME GETTING A JOB AND BEING APPROVED FOR HOUSING/APARTMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Discover Financial Services that I was a victim of a declared natural disaster being COVID-19. As a result Discover is reporting late payments for the months of XXXX and XXXX of 2021. I have had exceptional payment history for 9 consecutive months since. Please investigate and review.
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX XXXX XXXX threatening to sue and ruin my credit report over a {$250.00} debt I had with 5/3 Bank. Worried about my future, I paid the debt using my debit card and transaction is attached. On XX/XX/XXXX, I received a letter from XXXX XXXX about a debt balance I had of {$330.00} from 5/3 Bank from over 6 years ago. They said I had 30 days to respond or else this would go on my credit report. I called XXXX XXXX XX/XX/XXXX and they said their sister company XXXX ( law firm ) bought the balance from 5/3 bank and have been trying to reach out to me for the last 6 years. They said they would reduce the balance owed to {$250.00}, then to {$220.00}. I asked for further evidence about this debt but did not provide any more documentation. Concerned that my credit report would be impacted negatively, I paid XXXX XXXX {$220.00}. Realizing that I might have been scammed, I remembered that I had a debt collector, XXXX XXXX XXXX reached out about a debt from 5/3 Bank and paid {$250.00} on XX/XX/XXXX, the exact amount XXXX XXXX was looking for. This is when I knew I was scammed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX these are all the dates I have disputed and they claim they have resolved it but nothing has been done these accounts are still on my credit damaging my credit transunion! There is an account named XXXX XXXX XXXX  {$1100.00} this is not mine I have reported it fraud asked for proof of debt purchase from this debt collector and response was were not a collection they are they provided nothing else. I have paid XXXX closed account still has not been removed a lot of random hard inquiries as well!!! A lot of incorrect addresses I called XXXX and disputed as well nothing its been years of fraudulent behavior from these people as if were not poor enough XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft and fraud to XXXXXXXX XXXX that they are reporting to credit bureaus and the account is not my account. I requested XXXXXXXX XXXX remove the fraud from my name and from the credit bureaus and they refuse to remove the fraud. I am suffering loss and harm as a result of their negligence.
Product: Mortgage

I have been working with XXXX since XX/XX/XXXX to fined a workable solution for a balloon Heloc that has no repayment terms other than the Balloon payment XXXX has refused to work with me. In XX/XX/XXXX I filed a complaint to CFPB about this loan in the XXXX response XXXX stated they will review my situation in 60 days they did not. They STILL have offered zero solution other than for me to pay them XXXX immediately. In addition they do not have not a a single point of contact with me this is a violation of the CFBP settlement. For example of the last XXXX single point apoitment I have had with them my rep was only there for 1. I have had different reps call me most of whom I can not understand because of poor English skills, in addition they have made very many edited notes to my account so the substitute point of contact in unable to help me. Also-they have told me they can not help me only the investor can as they are not the bank yet the investor ( Citizens Financial ) stated that it is up to XXXX as they are the servicer and it would be '' unfair '' to their other customers to help me- in addition I have left XXXX different messages with the Ombudsman at XXXX who answered my original complaint with CFPB, she will not return my calls even though she has stated for me to call her with any questions. I need some type of solution XXXX last week told me to apply for another modification however both my self and with the help of a hud loan counsler I have applied 3 times to XXXX to be turned down I told XXXX nothing has changed so they said I will be turned down but I should apply anyway, I do not understand why they would want me to apply if im going to be turned down, its very apparent that this is a pre scripted response delivered by incompetent call reps. Obviously from the many similar complaints about XXXX to the CFBP this is pattern of unethical behavior. I want a solution Immediately XXXX agreed to help home owners in the settlement with my CFBP I demand that they comply.
Product: Debt collection

I'm unaware of this debt. I didn't have the opportunity to dispute this information. If in fact, you believe ya 'll gave me proper notification then please send me the certified receipt with my signature on it stating I received it.
Product: Credit card or prepaid card

I am a victim of identity theft. I learned that my personal information was illegally used to open an account. The perpetrator of this illegal act is currently in jail for this very crime. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that you absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. 
Your company did an investigation into my identity theft claim and determined that this specified account was valid for several reasons and that I was liable for the following reasons : - Identification information provided at the time of the application verified as belonging to me ; - The address listed on the application was verified as belonging to me ; ( Original Creditor ) has no record of returned mail or statements from the address verified as belonging to me ; - The credit card was mailed to my address ; - Several payments were received from a debit card and ACH checking account in my name. 
The reasons provided are circumstantial and your investigation neglected to account for the fact that the person who stole my identity was house-sitting while I served in the XXXX  which gave him access to : - Said identification information that was provided at the time of the application ( which was not authorized ) - The address verified as belonging to me and listed on the application is my address and is currently my address to date. ( The perpetrator XXXX while I was XXXX, which means he resided at my address ) - No returned mail or statements from the address ( why would the perpetrator return the mail that he was trying to steal. ( He was trying to utilize my resources ) - The credit card was mailed to my address ( He was house-sitting, he was at my address, so he received the mail ) - Several payments were received from a debit card or ACH checking account in my name ( the perpetrator house sat for me, and had access to sensitive information, passwords to my computer which gave him access to my bank account information. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be aware that I am a Consumer that has some about a dispute that I sent on XX/XX/2022 and I have not heard from or received any documentation back from my dispute. I disputed this repo and Under the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FDCPA 15 U.S. Code? 1692e. False or misleading representations ) since I disputed a debt and they fail to report it as disputed to the credit bureaus that a violation and must be deleted my from consumer reports. They failed to issue the notice of dispute. I disputed a bankruptcy that on my Consumer Report from XXXX because I never received the Validation of proof that the repossession of the subject vehicle was legal in Accordance with the following UCC : XXXX  ) 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX ) 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. XXXX ) 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX ) 9-506. EFFECT OF ERRORS OR OMISSIONS By Law, they are legally responsible to provide me with any and all copies of the legal documents and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.
Product: Debt collection

I have disputed my issue with the XXXX original debtor that claims I owe this debt of {$1100.00} for a cell phone. XXXX sold the account XXXX XXXX thanks to CFPB the accounts were removed from all three bureaus. Now the account has returned under Source Receivables Mgmt a complete new name. They can not produce any recordings or my picture ID or signature they just keep re-selling the account from collection agency to collection agency. For the same debt there is a thousand XXXX XXXX 's I have sent my ID and SS # form day one. Again here we are in 2020 same account no proof of burden and brand new collection agency. If they have so much proof that the account belong to me. Why? was the account removed from all three bureaus and re-sold again someone please help me with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including several bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX  XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$120000.00} XXXX XXXXXXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Removal of Negative Reporting from Credit Bureaus Dear CFPB Team, I hope this letter finds you well. I am writing to formally request your assistance regarding negative reporting on my credit report that I believe is unjust and detrimental to my financial well-being. 

My name is XXXX XXXX XXXX, and my Social Security Number is XXXX, last four digits : XXXX. I have been monitoring my credit reports from the XXXX XXXX  credit bureausXXXX Equifax, and XXXX have identified negative entries that should be removed. 

I am upset due to the XXXX negative reports on my credit from all XXXX reporting agencies. For example, I have a Collection/Charge off from XXXX XXXX XXXX for the month of [ XXXX, XXXX ], which I believe is inaccurate due to 15 USC 1681b I have taken steps to resolve this issue directly with the creditors involved, including multiple letters and calls. Despite my efforts, the negative reporting remains on my credit file, adversely affecting my credit score and ability to secure loans. 

According to the Fair Credit Reporting Act ( FCRA ), I can dispute inaccurate or incomplete information in my credit report. I kindly ask for your guidance and intervention in this matter to facilitate the removal of these negative entries from my credit reports. 

I appreciate your attention to this matter and look forward to your prompt response. Please contact me at XXXX or email me at XXXX if you require any additional information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir XXXXMadam I made a XXXX  payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX in the amount of XXXX USD on XX/XX/2022 with purpose to prepaid a purchase of apartment in XXXX XXXX reference number is XXXX ) or ( Tracking reference is XXXX ) This payment was rejected by XXXX XXXX XXXX XXXX XXXX XX/XX/2022 but as of now the money didn't return to me because the Bank of America N.A XXXX is held it without explaining the reason. 
My Bank ( XXXX XXXX ) on behalf on me sent requests to return the funds on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
As of today XX/XX/2022, according to the information provided by my bank ( XXXX XXXX ( XXXX ) ) the transfer is held by Bank of America N.A. ( XXXX ) as a corresponding bank. Bank of America ignored all requests and messages from XXXX to refund the money. 
Also i tried to contact with Bank of America directly by myself. I sent them a messages via e-mail. they also ignored me and my kind requests to refund my money to my account. 
I provided all necessary documentation for this transfer such as : contract and other supporting documentation. I'm not included in any sanctions black lists. The origin of these funds is my salary from international company in XXXX Attached is the copy of the promise of purchase agreement with XXXX company who sells me an apartment in XXXX XXXX, XXXX tracker of money transfer and request for refund that was sent via swift
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$58000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I've been shopping for a loan - personal loan, debt consolidation, major purchase loan. Several companies or lenders I applied for but most of those applications were declined because of my poor credit score. This particular lender Lendumo offered me this loan but it has high fees and expensive terms. I did not approve this loan. I know I did not signed for this loan. But the company already had my bank information through the application process. Without my knowledge the company sent {$1400.00} check wired transfered to my bank on XXXX XXXX then starting on XX/XX/2023, they started drafting or charging my bank account {$610.00}. When I called the company what is that for, they said that's the payback of the loan in installments. Then XX/XX/2023, they drafted/charged my bank account another {$610.00}. Then I decided to pay off this loan. The company ref told me that the payoff amount is {$2300.00}. Huh, I was shocked. Why the payoff amount is that high for a {$1400.00} loan they lend me. It's because of the fees they are charging me. The installment payment is $ XXXX/month for 12 months. That is ridiculous. I placed a stop payment with my bank to stop drafting my account {$610.00} every month. I argued with the company that I did not signed up for this loan. They said I e-signed the documents but they can't show any proof that I reviewed and approved this loan with my e-signature. They referred my account to a collection agency.
Product: Credit card

Checking the debt of my credit card that I have not consumed for more than a month, I see an XXXX  charge of {$330.00} that I did not recognize. 

They immediately transferred me to an apartment where they blocked the card and informed me that they would send another one to my house ( usual procedure ). 

When I asked about the money back, they told me that they would do a 90-day investigation, without returning the money to my account. 

I complained to them that he had been scammed and it was not fair to have to wait 90 days, without having the certainty that my money would be returned and that I would report that debt to you Boureaus of credit for 3 months. 

They only told me that it was the procedures and that I had to wait. 

It is not the first time that I have suffered security breaches with Oportun, where the last time another address and phone number was added to me and I can not pay on time for not being able to enter the application, to make my payments for the violation of my access data. 

That led to a late payment report in my report and multiple calls until solving the problem of changing address and phone number. 

Now they steal {$330.00} from me and I have to wait 90 days to recover money that I don't authorize. 

It is really strange that my Credit Card is identified with the last four digits of XXXX and the operation reflects the last 4 digits of XXXX
Product: Credit reporting or other personal consumer reports

I've made numerous attempts to contact Transunion, and my results remain unsatisfactory. I simply asked for negative accounts to be reviewed and removed from my credit file as it doesn't represent me in any way. Transunion is violating my consumer rights and continues to allow inaccurate information to be furnished on my credit file. 

Can you help me with this? 

I've attached all necessary documents proving Transunion is violation my consumer rights according to the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX, XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$6900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1100.00}, Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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: Money transfer, virtual currency, or money service

I and my wife, XXXX XXXX became victims of a cryptocurrency scan, starting on XX/XX/XXXX, XXXX in which an individual posing as an agent of XXXX XXXX XXXXXXXX fraud department. This individual stated that our Bank account, Coinbase account, and XXXX accounts had all bee compromised, and that our various funds needed to be moved to a secure location until the accounts could be secured again. Ultimately, this scammer transferred over {$200000.00} worth of cryptocurrency to another unknown location. 

These funds were eventually located on the XXXX XXXX with the advisory assistance of a company called XXXX, and we are currently working with law enforcement to get these funds frozen until such time as they can be recovered.
Product: Credit card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XXXX XXXXn the amount of {$270.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.