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/2019. 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. 

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. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice AFNI, Inc did not respond when I requested information from them regarding the alleged account
Product: Credit reporting or other personal consumer reports

I am writing as a concerned consumer to address the accuracy and fairness of the information listed in my credit report. As you know, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) was established to ensure accuracy, fairness, and privacy within consumer reporting agencies. The FCRA provides me with specific rights to ensure my credit report is both correct and that I am treated fairly during the reporting process. 

According to the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Informed of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my interactions with your agency to guarantee that my credit report is accurate, complete, and reflective of my actual credit history. Any discrepancies or inaccuracies should be corrected immediately to prevent harm to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Base on previous complint against the debt collector on XX/XX/2019. cfpb case No. XXXX. The Original Creditor XXXX XXXX  had issue a letter to me indicading that I do not owe this debt and will notify the Law Office of Harris and Zide and creditor XXXX XXXX XXXX, XXXX, to stop harrasing me in this matter. Apparently, I am still getting letter and phone calls day and night from the attorney 's office ( Harris and Zide ) and XXXX XXXX XXXX, XXXX. Please stop them from giving me miserys which it has been many years.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report on XXXX XXXX and their were a lot of errors that I saw on my report that is inaccurate. 
To start XXXX XXXX has that I have XXXX missed payments that in XXXX months including XXXX, XXXX, XXXX, XXXX and XXXX. 
Hard inquires that I did not authorize. 

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

On XX/XX/2018 I disputed an item with Equifax via verified letter which included a Dispute Letter and a copy of the Disputed item ( XXXX XXXX Account ). I stipulated that : According to the FCRA, Section 611,  paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of said furnisher, if reasonably available ... '' Please note, a tird party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6_ ( B ) ( iii ). I demand direct, not third-party, proof according to the FCRA, section 611, paragraph ( 6 ) ( B ) ( iii ). Please provide me with : the Name of the Person you spoke with who identified the account ; an original Consumer Contract with my Signature on it ; the Telephone Number of the person who verified this account ; and the Documentation Used to Verify the dispute. On XX/XX/2018 I received a letter from Equifax that said my account had been " UPDATED '' but Equifax did not include any of the information that I requested, and due, as per the law. 

I then sent Experian another second certified letter ( mailed on XX/XX/2018 ) again demanding that : according to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ), I was specifically requesting that " they provide me with : 1, the Name of the Person they spoke with who verified the account ; 2. an original Consumer Contract with my Signature on it ; 3. the Telephone Number of the person who verified the account ; and 4. the Documentation used to Verify the dispute. YOU HAVE NOT PROVIDED ME WITH THIS INFORMATION WHICH IS GROUNDS FOR DELETION. Under the FCRA, unverified accounts MUST BE REMOVED and if you are unable to provide me a copy of verifiable proof as per my request above and as per the law, you must remove the disputed account. If you do not provide me with the above mentioned information to verify your investigation results as required by law, I will file a complaint with the FTC and the Consumer Financial Protection Bureau. '' I received a second letter from Equifax, dated XX/XX/2018, stating that their reinvestigation of the results had been " UPDATED '' ; yet none of the required verification information was provided. 

I am requesting your assistance is putting an end to this matter and their blatant violation of my rights. I have already contacted the FTC and I am now contacting your organization because my rights have been violated and I want the said referenced account to be permanently removed as is my right under the law. 

Thank you for your assistance, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email date XX/XX/2018 from XXXX XXXX XXXX XXXX, ( located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX Illinois ) indicating that they had received my application for a line of credit from them ( for which I did not apply. ) I called to tell them that I had not applied for such line of credit. They informed me that the application was actually submitted by XXXX. I asked for contact information for this company and was placed on hold. The customer support person said she would consult with her Manager XXXX and get back to me. They never did. I called again this morning and spoke to XXXX and got the same response. I need to know who is applying for credit in my name without my permission.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am formally filing a complaint against XXXX and the credit bureaus regarding their failure to investigate disputes on my credit report. 
I submitted dispute letters to XXXX, XXXX, and TransUnion regarding inaccurate information reported by XXXX on my credit report. Despite providing clear documentation and evidence supporting my claims, neither XXXX nor the credit bureaus have initiated an investigation into the disputed items. This negligence has had a detrimental impact on my creditworthiness and financial standing.
Product: Checking or savings account

I got the message that my bank account was closed by Chase in XXXX 2023. I called Chase from that day until now, the only thing they say is the money was been security checking by other department and I can not know exact reason. I requested for reopen my account, or just send my fund about {$2300.00}, then they just said call me for 10 days. Now, I wait for half year for my money, I don't want to wait anymore.
Product: Debt collection

My insurance company paid a bill to XXXX Hospital promptly and in full. I never had any further communication from XXXX Hospital or from the current company reporting me to collections, " Alliance One Receivables. '' I have provided them with copies of the paid bill from my insurance company but get no response and they are not removing this bill from collections. This is absurd - my credit should not be destroyed by a bill my insurance paid in full, promptly, quite some time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my Trans Union, XXXX and XXXX credit report are all fraudulent accounts and credit inquiries, and are not my accounts or credit inquiries : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX XXXX, {$430.00}, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX. I been receiving harassing, threatening and annoying phone calls of abusive and profane language, threats of legal action, arrest, jail, prison, harm, XXXX and XXXX, from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and Debt Collectors, which is an egregious, illegal and a violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I contacted XXXX XXXX and let them know I would be deployed in XX/XX/XXXX to request XXXX XXXX XXXX. The representative let me know to send in my XXXX active XXXX paperwork and the request would be processed. She told me to reach back out in 10 days to ensure the request was processed. I asked her to explain the benefits and she let me know the following : 1. Late payments would be reported to the credit bureau if I become late 2. Even if I become more than 90 days late, my vehicle would not be repossessed as part of the XXXX benefit. 
XXXX. I was eligible for XXXX deferements as a result of the XXXX benefit. 
XXXX. My interest rate would be updated to 6 % and any future payment made would be applied based on the updated interest rate. 
XXXX. I would be eligible for the XXXX benefit for 24 months from the application of the benefit to my account. That would be XXXX XXXX to XXXX XXXX. 

I reached back out to XXXX finance on XX/XX/XXXX and spoke with a representative. She stated that my orders had been received and my request would be processed and I would receive a written notice as well as an email from the XXXX team when the request was completed. The email would be sent to the email address on my account and I confirmed the address. 

On XX/XX/XXXX, I would injured in duty and was put in a military treatment facility. I was initially released on XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX to inquire because my credit report was saying that I was not 60 days behind on my payment. The representative I spoke with states she did not see any notation that I let anyone know I was XXXX and/or requested SCRA coverages XXXX She also let me know that my vehicle had been picked up and towed and was ready to be auctioned. She stated unless I paid the full remaining balance, there was nothing I could do at that point to stop the sale of the vehicle and that I would be responsible for the remaining balance. 

I called and spoke with several supervisors at XXXX finance from XX/XX/XXXX to XX/XX/XXXX to plead my case for XXXX benefits, but was denied because my vehicle had already been repossessed. On XX/XX/XXXX, I was reinjured and in a military treatment center until XX/XX/XXXX when I was released from active XXXX duty. 

I have since contacted XXXX to resolve this matter by phone with no resolution as well as disputing this account my credit report. All of these actions are in direct violation of the XXXX benefits available to me. My next step is to file a suit with the Department of Justice for non compliance of XXXX to assist me with these benefits and the unfair reposession and account balance that is now on my credit report. 

This inaccuracy needs to be removed immediately as I am entitled to my credit report being correct and free of inaccuracies. 

I am not seeking compensatory damages because the vehicle has already been sold and is now unreturnable. But I would like for this negative inaccurate account to be removed from my credit report immediately.
Product: Payday loan, title loan, or personal loan

We XXXX XXXX XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late payments.
Product: Credit card

My Wells Fargo XXXX Credit Card had a balance of {$11000.00} ( the " XXXX Statement Balance '' ) for the billing cycle XX/XX/XXXX to XX/XX/XXXX, which is due on XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$10000.00}, which reduced the remaining XXXX Statement Balance to {$1800.00} ; on XX/XX/XXXX and XX/XX/XXXX, I received several refunds totaling {$1200.00}, which further reduced the XXXX Statement Balance to {$680.00}. The XXXX Statement Balance remained {$680.00} until another refund of {$59.00} was received on XX/XX/XXXX, which resulted in an unpaid due of the XXXX Statement Balance of {$620.00} on the XX/XX/XXXX due date. On XX/XX/XXXX, I received my statement for the billing cycle XX/XX/XXXX to XX/XX/XXXX, which indicated that I owed an interest of {$140.00}, calculated based on a 24.49 % APR on a {$6800.00} balance. 

I called Wells Fargo for a calculation of the {$6800.00} balance, and Wells Fargo responded that this was the " average daily balance '' of my " XXXX statement '' but refused to provide more detailed explanation or calculation of such {$6800.00} balance. 

My complaint is two-prong : 1. Throughout XXXX, Wells Fargo was showing me on their mobile app that I have {$0.00} remaining balance of my previous statement. This false and misleading information is the direct and proximate cause of my not paying off the {$620.00} remaining XXXX Statement Balance that were overdue after XX/XX/XXXX. 

2. Even if Wells Fargo is not liable for providing the false information, the overdue balance I had was {$620.00} for a period of 5 days until being paid off. It is utterly unreasonable and unconscionable to charge {$140.00} interest on the {$620.00} balance overdue for 5 days, which equals to a 1648.95 % effective APR. It should not matter how Wells Fargo calculated the pretextual {$6800.00} balance, especially when Wells Fargo also failed to provide any calculation of such balance that the interest was based on.
Product: Mortgage

Pacific Union is now refusing to accept my payments due a returned check. They will no longer allow me to pay online or by phone or through my bank with bill pay. As a result of the returned payments my mortgage fell behind 2 months and they stated they were going to begin the foreclosure process, sent someone to my house twice to post notes on my door and the last one was on my property taking photographs. They knew I was attempting to pay my mortgage but went ahead anyway. I find their business practices unethical and threatening. When I realized my payments were being rejected I called them and I was told that due to the returned check that for the next 6 months they will only accept payment via certified check or through XXXX XXXX in which I'm forced to pay extra fees. The associate on the phone was unhelpful and rude. I bank online so not only it this extremely inconvenient it also costly and very stressful. As a mortgage lender PCU has a fiduciary duty to it clients and needs to hold itself to that standard.
Product: Credit reporting 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 a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. 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 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I requested information from the company and all three credit bureaus reporting inaccurate information on my credit report regarding this car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in my Experian credit report still showing XXXX XXXX XXXX credit card that should have not been there and I contacted XXXX XXXX XXXX as to why they are reporting this inaccurate information to experian and they dont know where they get that information from and it should not been in my report. This information has been reporting in my credit report for decades and should have been removed by now.
Product: Checking or savings account

I went into the US Bank branch in downtown XXXX XXXX on XXXX XXXX and inquired about opening a checking account since when I looked online they seem to have good customer service. After going through the whole process with one of the people at the branch opening account, they never got the login to work on the app or online but they said it will be fine and then just try to call later. When they asked how I would like to fund the account I said I do not have cash with me but I do have the money orders that I was planning to deposit into my other account with XXXX XXXX. She said money orders are no problem. You can use them to deposit with us and it'll be available tomorrow. After I deposited them and then contacted the customer service to get help with the login. I was contacted back later by some supposed fraud department. The person was extremely rude and accusatory and basically asked about two or three questions and then you said you know what we're just going to close your account then. Twitch I said that's pretty unreasonable but okay I can go back to the branch and then get the money orders since I have not had Any access to the account nor login and only had a temporary debit card that was not working either. I was refused that solution and told both in the branch to just contact the fraud department and the fraud department person said no. There's nothing you can do. We're going to just mail you a check for the amount. The check has never been sent. I have since moved from that property and it's been at least since XXXX of last year and the check is still not been sent and no follow-up via email phone or physical mail at all. I basically had given up any hope of trying to get my money back from them and kind of just forgot about it until somebody mentioned to try to file a complaint with you guys or another entity to get a response from the bank. So I'm hoping this will help get them to actually do what is right and just simply send me the funds that have been held hostage for nearly a year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately 1. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 
2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX