23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/XXXX. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I sent a request to AFNI, Inc via certified mail XXXX XXXX XXXX XXXX XXXX and AFNI, Inc has not responded and did not provide the information requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Payday loan, title loan, or personal loan

I applied for and received two lines of credit from PayPal Credit, one on XX/XX/XXXX for {$470.00} promised at 0 % interest if paid off within six months, and one on XX/XX/XXXX at 0 % for 24 months of equal payments of {$57.00}. When I attempt to make a payment to PayPal Credit their system decides for me how to allocate payments and does not allow me to choose either myself or even by speaking to a customer service agent, and their system chooses to allocate payments in a way that is detrimental to me. 

For example on the billing closing date of XX/XX/XXXX I had a balance of {$710.00} on the 24 month loan and {$310.00} on the 6 month loan. I made a payment of {$150.00} on XX/XX/XXXX. Their system chose to allocate {$76.00} to the 24 month loan leaving me at {$640.00} and {$73.00} to the 6 month loan leaving me at {$240.00}. 

The only reasonable way to allocate the payments for the terms specified above would have been {$57.00} ( the minimum ) to the 24 month loan and the balance to the six. I can not do this myself, and after talking to their customer service they can not do it either. 

A further problem with this situation is I can determine no pattern whatsoever to the allocation logic, NOR CAN THEIR CUSTOMER SERVICE AGENTS. This means NO ONE can tell me how how much to pay to lower the balance on the 6 month loan to XXXX before the promotional period expires and I am subject to interest payments AND I am forced to pay more than the 24 payment minimum promotion offered on the other loan. 

I have already attempted to resolve this with paypal over at least 4 separate phone calls to no avail. 

Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. It has been well over a year XXXX and there is still an inaccurate account by the name of XXXX XXXX XXXX along with several errored inquiries looming and are in the attachments section. 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.
Product: Credit reporting or other personal consumer reports

I Look at my collections see that incorrect information on there hunter warfield inc never did anything with them wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my XXXX and Fico scores ( Trans Union ), i discovered that my credit score went down drastically -- -- XXXX and XXXX points. I have always paid everything on time. I found out it was XXXX Credit Account. I immediately called them and they had the wrong address for me and that is why I didn't receive the bill. They have since corrected the address, have taken off all the late charges and I paid the {$20.00} plus charge immediately. 

I would greatly appreciate if you could look into this and reinstate my previous credit score. I am super upset about this. You help and cooperation is very much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : Keep disputing addresses, receive notifications NUMEROUS TIMES the addresses have been deleted however the addresses are still listed!!!! There's a XXXX XXXX ( Never had one ) & XXXX XXXX XXXX. ( I lived at the XXXX AND A XXXX NOT XXXX XXXX XXXX ) Could you please make this happen once and for all? I can't tell you how many times I've disputed & received NUMEROUS responses they have been removed. It's under " Your Identity '' THANK YOU SO MUCH!!!
Product: Payday loan, title loan, or personal loan

CITI offers a flex loan product at competitive rates however it lumps it together with your balance on a standard purchase rates. This makes it impossible to direct payments towards your higher rate balance instead of the flex loan. Since opening my flex loans, I made several payments trying to pay my credit card balance with standard purchase balance. I just recently realized that instead the money went mostly towards my flex loan balances. 

Please notice that this is the information that they put in their statements : We apply any amount you pay above your Minimum Payment Due first to the balance with the highest APR, then to the balance with the next highest APR, and so on. As a result, if the APR for a Citi Flex Plan balance is higher than the APR of other balances on your Account, we will apply the amount above the Minimum Payment Due first to that Citi Flex Plan balance, and then, after that Citi Flex Plan balance has been paid in full, to the other balances. This will cause you to pay off that Citi Flex Plan balance before the end of its repayment period and may result in an amount remaining due on your next billing statement for the other balance, increasing your Adjusted New Balance on your next billing statement. 

However, when contacting CITI, the reason they gave me was that because my standard purchase balance was still unbilled when the payment was made, it covered the flex loan instead. 

A more transparent way to do this would be to separate the balances into different accounts so the consumer can direct their payment towards the desire account. 

I feel ripped off.
Product: Mortgage

Bank of America servicer for XXXX XXXX, is the plaintiff in a foreclosure motion in superior court of nj, that that does not mention XXXX XXXX or the Trust originally listed on earlier paperwork As plaintiff to the foreclosure motion as required by law. Also Bank of America originally sent us 3 different loan modifications letters in 2016, which we accepted, paid the 3 trial payments, even though the payment amounts changed with every letter they sent, causing us more hardships ... when we finally became permanent, the balances of the account were incorrect and Bank of America servicer of the account has never rectified the incorrect balances due to the modification letters they incorrectly kept sending us. We ask the CFP to please have both Bank of America and XXXX XXXX answer these serious issues, concerns and hardships caused and request an immediate stop of the foreclosure actions in superior court of NJ and request for 3rd party mediation. Many Thanks. XXXX
Product: Mortgage

I had filed a complaint last month charging fees that I had restated my mortgage then they tried to charge after ...  XXXX  account resolution officer said it was fixed and you closed my case after you closed it they went back in and charged it again I attached   XXXX   statement showing correct   XXXX   statement they doubled the attkrneybfees and charged more fees ...
Product: Debt collection

The filed a writ of garnishment for a camera ticket from XX/XX/2018, I never receive any notification that this debt was sent to collections or the legal action was going to be taken, I never was was properly served to come to court regarding this debt, when I called the collection agency that filed this they didnt have ANY information about the debt but they are garnishing money
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX that was in my dealer ship witout my knowledge XXXX  backgrounds miscellaneous XXXX XXXX XXXX XXXX XX/XX/2023 jpmcb auto finance bank
Product: Debt collection

I don't know any thing else it appeared on my credit report as a collection as Midland. My income is social security and is exempt from debt collectors..
Product: Checking or savings account

XX/XX/XXXX WIRE TRANSFER MADE TO WRONG BANK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Within minutes BOA was notified that the wire needed to be STOPPED XX/XX/XXXX BOA looked into stopping wire, but it had already been completed. 
We filed a complaint with BOA, but they have not made an attempt to rectify this situation. 
I was told it was my fault.
Product: Debt collection

I received two letters from Kohl 's department store on XXXX XXXX 2020. The first is a bill saying that I owe {$120.00} asap with a total balance of {$530.00} and the second is a letter saying that I owe that amount. The letters look very official with and have my full name and address. When I call the phone numbers on the letter they ask for my full social security number, which is what tipped me to this being fraud. I called Kohls and they confirmed that an account was opened in my name. I am working with them to make sure to cancel the card and the amount owed, but want to report this activity! 

Thanks, XXXX
Product: Mortgage

In 2010, Bank of America offered me a new Home Owners Assistance Mortgage Program, set forth by former President XXXX Obama b/c I was 2 months after being in my loan for 7 years on a 30 year fixed loan. They told me to stop making payments, & would n't accept payments until I was approved. 

Bank of America sent me loan documents outline the new terms of my loan, transfering from a 7 % to a 2 % for the 1st 5 years, then year 6 = 3 %, year 7 = 4 %, year 8 till close = 5 % ... and my two late payment would be pushed to the back end of the loan extending my term an extra 2 months. 

The Loan was sold to XXXX immediately after approval, and then to XXXX. 

This year XXXX sent me a payoff history, and future payments where I realized I still have 30 years left on loan, I asked XXXX " why do I have 30 years left on loan, when I have a 30 year loan & been making payments for 13 years already? '' XXXX responded, " They acquired the loan and the terms of modification re-set the loan clock back to 30 years again. '' I said, " No it was supposed to be 2 extra months. '' They told me to " refer to my loan modification document which explain this. '' I reviewed my loan modifications documents, and it states " the loan is to be extended to cover the late payments, about 3 months '' ... also the same as to what I was told on the telephone, not add anxtra 7 years aka {$72000.00} extra.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently took a look at my consumer report and I was extremely confused. In accordance with the Fair Credit Reporting Act, COMENITY BANK has violated my rights. 
- 15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I was never late on this account. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my consumer report.
Product: Debt collection

I have proof I canceled my XXXX  membership and I provided the proof to the Debt collection company and theyre still trying to collect the debt
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I can not fathom how my pleas for help have been met with indifference and stony silence. The anguish and turmoil I have endured due to identity theft is overwhelming, and your bureau 's unconscionable neglect has exacerbated my suffering. These are the accounts that I'm disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My complaint is with Stillman Law Firm in XXXX XXXX, Michigan. 
They are the lawfirm handling XXXX XXXX 's case against me. 
I contacted them three times in an attempt to settle/pay the debt I owe to XXXX. 
Twice via their automated online service and once via telephone. 
The only thing they have been able to do is verify the amount owed. They refuse to contact me regarding a settlement amount which was proposed and have indicated that my social security income is not exempt from any judgment and maybe garnished. 
Although I have a cease and desist letter on file, I granted them permission to contact me about a settlement and or payment instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to apply to an emergency loan of {$1000.00} that the XXXX XXXX  XXXX have advertised and I can't process it in their online webpage as other applicants. I then wrote y XXXX XXXX and sent the application submitted that in the first attempt gave me an error, I believed that they are making physiching with the people that visit their webpage but I applied again. Then I received calls of the institution and received an email of the manager requesting me application documents, I sent and never told me neither notified me that the emergency loan was denied. I checked my XXXX credit report and saw their institution listed on my inquiries they denied the loan based on my credit report during a pandemic disaster. I am a natural declared disaster and declared disaster survivor and my credit reports were impacted because the banking institutions making unauthorized charges after closed accounts in the middle of the disasters and did not provide me any payment arrangements neither moratorium, I make several disputes and submitted statements but the institution used my credit report to denied my loan. They are not approved my loan in less favorable terms than other applicants, in discriminated actions against me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Applied for a XXXX First Bankcard with a 12 month 0 % interest rate When I applied I requested a {$2400.00} pay off of my XXXX XXXX XXXX I never received a letter or notice of my application. 
Approximately 3-4 weeks after I applied I received a letter and that same week an email to activate my new XXXX card. 
I called the Number on the card an stated I never received the card. 
the gentleman I spoke with said he would issue a new card and send to me in around 10 days. I ask if can be done faster and he stated they could expedite and get to me in 2-3 days.

Five days late the card came by priority USPS Saturday XX/XX/2019. 
I then signed up on line to activate the card and get an account balance. 
it showed I owed {$13000.00}, the amount sent to XXXX. 
I immediately called and the supervisor who told it was a typo, she said they could not do anything that I would have to call to get the correct amount sent back to me. 
I called XXXX MondayXX/XX/2019 they told me they could not send the credited amount back to First Bankcard, but First Bankcard could issue a credit recall. With XXXX on the line I conference call with First Bankcard and the First Bankcard representative said she would issue the credit recall and it would take 24-72 hours. 
As of this writing Monday XX/XX/2019 the credit has not been issued the full amount still shows as full XXXX still has the full amount sent to them. After several calls today to First Bankcard they told me it is still processing. the operator I talked to said it was a very large amount, I told her that I need to talk to the Supervisors, Supervisor and that I was also writing this complaint to the CFPB. 
I've been diligently trying to get this taken care of since the call I made on the XX/XX/XXXX the supervisor told me that as of XX/XX/XXXX I would be charged for the transfer amount and a very high monthly payment, which i was trying to get my monthly payments lower.
Product: Vehicle loan or lease

I refinanced my loan with capital one and a lady pulled out in front of my new vehicle and totaled it out before I made the XXXX payment on XX/XX/2021. I didnt purchase XXXX, however I want to fulfill my loan obligation but I needed a new vehicle and I got XXXX with a balance still owed to capital one when I initially called in when the accident happened and asked if they would work with me they stated yes. Granted my insurance company was just allowed to mail the payoff payment due to capital one needing to get a title issue fixed which took them until XX/XX/2021 to obtain a perfected title, I cant blame the insurance company because I work for the company and they have been ready to make total loss payment. I just wanted the company Capital one to work with me for the remaining balance basically they advised no I would have to make the full car payment monthly until the balance has been fulfilled when a represented previously advised they would. Asked for a supervisor and advised no one would contact me for XXXX days and thats not professional at all. I need help?
Product: Debt collection

Explanation of complaint : Convergent Outsourcing Inc. is intentionally misrepresenting data in violation of the FCRA ( https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act ). 
This is a clear violation of the law. 

Collection Agency ( COI ) Must supply all of the following documentation in an accurate and truthful manner. 

1. Original Contract 2. Pay Off Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance COI is fraudulently " re-aging '' debt for the purposes of damaging credit in attempts to manipulate and coerce consumers. ( What is re-aging and can it harm your credit report? Re-aging is the term used when a debts status changes in credit reports to make them appear as a new debt. Unless a financial institution is the one doing the re-aging process after a payment agreement has been established, neither the original creditor nor a debt collector can re-age a negative account. 

No matter how many times a delinquent account is transferred or sold from a debt collector to another, the date of first delinquency should not change. Doing so is a severe violation of the Fair Credit Reporting Act ( FCRA ). ) COI has been contacted regarding this matter and has been unresponsive.

I request assistance in requiring COI to adhere to legal and ethical requirements including : 1. Deletion of the derogatory entry in any and all future reporting to any and all credit reporting agencies. 
2. Supply me with all of the required documentation as required by FCRA listed above ( numbered 1-6 ) 3. Supply complete documentation regarding all entities with whom this collection action has been transmitted to so that correction and dispute actions may be completed.
Product: Credit card or prepaid card

XXXX XX/XX/XXXX fraudulent charges were placed on my credit card to four different locations/addresses. 
-The addresses/locations associated with the fraudulent activity are " XXXX XXXX XXXX  '', " XXXX XXXX XXXX '', '' XXXX XXXX XXXX XXXX '' , and " XXXX XXXX  ''. 
-The amounts of each charge were one of the following three : " XXXX '', " XXXX '', " XXXX ''. All charges had a XX/XX/XXXX authorization date. 
- Total fraudulent charges amounted to {$7500.00}. 
- Fraudulent activity was recognized by USAA and alerted myself, froze the card, and locked the account. 
- USAA has taken action to remove the charges from the account. USAA stated the charges should be removed completely at the start of the work week.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, filed a dispute on the following personal information : 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 XXXX XXXX due to the information being inaccurate. Experian denied to follow up with the investigation and provide information on how this information was verified as accurate. I, XXXX XXXX XXXX XXXX, am submitting a complaint in reference to this company knowingly reporting inaccurate data. XXXX XXXX XXXX XXXX ' credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE. Reporting without valid proper disclosure requirements is a direct violation of my consumer rights. I, XXXX XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify these alleged accounts, only to receive a letter stating that they were verified. 
I, XXXX XXXX XXXX XXXX, am requesting these inaccurate items be removed immediately as it is running the risks of affecting my mental, physical and financial health. 
This company has violated my rights as a consumer and federal laws.