23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Some company named Afni Collections called me claiming that I owed {$260.00} to them from a charged off account at XXXX. I did have an amount owed at XXXX, but I had just spoken to them a week ago when I shut off my service and returned equipment. They told me that I could pay the balance at the beginning of XXXX when the final statement was available. 
Afni Collections tried to tell me on XX/XX/22, that XXXX already turned the debt over to them on XX/XX/22, which was XXXX days after I spoke to XXXX. I didn't believe them so I called XXXX to confirm that they still had the debt and it wouldn't be turned over for 3 months, that was their policy. I don't know how this company got my information, but they had my account number with XXXX, my address, phone number and the exact amount owed. They also threatened to hurt my credit score if I didn't pay it. 
I'm upset that this company is trying to collect debt that they don't own, but I'm also concerned if XXXX is telling the truth about not turning the debt over.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account status on my Transunion report currently shows that the account is deragatory. However, this account has been paid off since XX/XX/2021 and should reflect closed instead. 
Acct : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX XXXX XXXX account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX with a balance of {$19000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am writing to request an investigation of the following information that appears on my checking account consumer report : Account Number : XXXX XXXX XXXX Bank Of America Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PAID IN FULL XX/XX/XXXX This Chase account balance has been PAID on XX/XX/XXXX XXXX XXXX XXXX  Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX  Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX XXXX Tx Identity Theft XX/XX/XXXX I have NO knowledge of this Chase account. Reporting it as Identity Theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Theres XXXX XXXX XXXX XXXX XXXX accounts on my report. There should only be XXXX account opened. I have never been able to use my XXXX XXXX account due to a restriction placed by XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Heres the second XXXX XXXX account thats showing on my report. 

XXXX XXXX XXXX  XXXX XXXX Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account. 

XXXX XXXX XXXX XXXX XXXX Identity Theft XX/XX/XXXX I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.
Product: Debt collection

Today XX/XX/XXXX a man called from a private number and said that they tried to deliver something with a signature to the home address. So, I needed to call XXXX XXXX XXXX and give account number XXXX. 

I've been expecting a package from XXXX XXXX XXXX so I called. 

A guy answered XXXX XXXX and said that there was an overdraft of more than {$900.00} in XXXX that now was up to $ XXXX with US Bank . If I didn't settle they would go to court. The checking account ended in XXXX. 

They had the home address, birthdate and last four. 

I have never had an account with US Bank. So I went to a local branch and spoke to XXXX XXXX NMLS ID : XXXX. She suggested I call the central office XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXXXXXX XXXX  {$110.00} and XXXX XXXX XXXX XXXXXXXXThese following accounts have 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 an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX , my wife and I sent the attached letter to Equifax, requesting them to investigate errors on our credit report. My wife received her response 2 months ago, with the results of her investigation, however I have not received anything back from Equifax. I have even written Equifax multiple follow-up letters, but they will not send me the results of my credit investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance on XX/XX/2022 {$1600.00} XXXX XXXX XXXX XXXX LATE PAYMENTS Original loan amount {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my lack of awareness with my credit, i had been previously opted in for pre qualifying offers via numerous companies, unbeknownst to me, at the time I had been trying to seek a new residence. I have a total of over 29 inquiries on my reports .... This is due to my incompetency about the pre qualifying offers. Due to these, I have been rendered homeless, unable to rent due to my credit score and the alarming rates at which they appear on my reports. 

When researching he said inquiries as well, even after I had opted out of all of those offers, I went to purchase a car, due to the previously alarming set of inquiries stated, I then was denied by numerous lenders for a vehicle. 

Also too I had written to transunion less than a year ago asking them to please kindly remove all of my info from their systems due to the fact that it states in their terms of service that they reserve the right to sell your identity, Lets also not foget XXXX XXXX. 
They are refusing to remove my sister and my mothers information from my report with them as well. I have asked them what I am to do because they want their drivers license numbers and their social security numbers to prove im me. How is this possible when those two people arent even suppose to be on the report! none the less the info is outside out level of expertise. AND THEY ARENT ME they need to be removed. Pronto please this is so important.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 1. XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX 3. XXXX XXXX XXXX Balance : {$920.00} 4. XXXX XXXX XXXX Balance : {$0.00} 5. XXXX XXXX XXXX Balance : {$1000.00} 6. XXXX XXXX XXXX 7. XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX 8. XXXX XXXX XXXX XXXX, GA XXXX 9. XXXX XXXX XXXX Balance : {$920.00} 10. XXXX XXXX XXXX Balance : {$0.00} 11. XXXX XXXX XXXX Balance : {$1000.00} 12. XXXX, XXXX, XXXX 13. XXXX XXXX XXXX SPRINGS WY XXXX, TN XXXX 14. XXXX XXXX XXXX XXXX XXXX, GA XXXX 15. XXXX XXXX XXXX XXXX : {$0.00} 16. XXXX XXXX XXXX XXXX : {$1000.00}
Product: Payday loan, title loan, personal loan, or advance loan

Nothing happen except they continued to take over {$300.00} from my bank account.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX XXXX XXXX XXXX XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX XXXX XXXX .I having a lot of issues with my credit report because I do have a XXXX  brother who does not have a social security number and all his account are been mixed with my credit report. I already called the companies involved and the 3 credit bureaus to explain this and provide proper identification of both of us to them but the problem continues and new accounts for my brother keep showing on my report. I has been over 3 years with this issue. I need help, please.

IDs, social security for my self have been send to all the buraus as well for my brother his IRS letter ( ITIN # ) and his driver license was enclosed for there review and we still having issues, this situation have become a big stressful issue since this has prevent me to obtain a mortgage because of this items not my showing on my report over and over again after disputes has been summited multiple times. 

This also affected me with my car insurance & IRS as well Also I have contacted XXXX company and all documentation re-send it to all parties involve and still not resolve as yet need this to be over.
Product: Payday loan, title loan, or personal loan

Title Max is in violating of Military Lending Act, Missouri statues, and predatory loan practices.
Product: Debt collection

Current Creditor is listed as : XXXX XXXX XXXX XXXX website provided does not return to this company. XXXX ph : XXXX XXXX XXXX is : XXXX XXXX, I have never heard of or done business with this company. 

XXXX XXXX is collecting this debt even though XXXX XXXX XXXX XXXX XXXX is listed as the " Current Creditor '' - see attachements. 

XXXX XXXX ph : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX will not provide any information as to the original debt to include invoice numbers, dates of service, location of services, etc. Their website is not secure. XXXX This DEBIT IS NOT VALID, I have never heard of or done business with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax must process credit freeze requests made on their website within one business day but does not comply by preventing me to request a freeze or unfreeze. 

Placing a credit freeze on Equifax.com requires creating an account and possibly verifying your identity. Despite doing all this, Equifax will not let me request a freeze online, showing an error message saying they require additional information to process these requests. 

I have requested the problem to be fixed several times over the course of a year : - twice by mail, sending all necessary identification paperwork - by email at customercare@equifax.com but they replied that they can not help - many times over the phone, waiting sometimes up to an hour to speak to an agent. 

Equifax agents have told me the problem was fixed several times, or that the problem would be fixed within 24 hours. They more recently told me they would fix the problem within 7 to 10 business days, and reach out to confirm. Later, Equifax could not provide an update because their systems were down. Several months later, needless to say I never heard back. 

Equifax refused to give me a point-of-contact to follow up on the issue, or refused to call me back with an update. I was instead instructed to call back later, and speak again with a agent unaware of any context. 

Equifax is required by law to process credit freeze requests made online within one business day. By not providing an interface to request credit freezes, Equifax is in  breach of its legal duties.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022... 
The credit bureaus stated the following accounts were properly investigated : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

How is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported in not accurate? This is grounds for removal. 

They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts written permission to furnish any of these accounts on my credit report as well.
Product: Credit card or prepaid card

I saw an email today from B of A saying one of my cards had been cancelled with no explanation OR warning. Accessing my online account confirmed this. 

I spoke to two B of A representatives by phone ( both were nice, professional, and as helpful as they were able to be given B of A 's policies. One was name XXXX or XXXX ). I was told that the account was closed because it had not been used in over a year and there were concerns about fraud etc. He even tried to say that COVID-19 was somehow was relevant regarding fraud. It should be known that at no time was the card ever lost, misused, or had a single questionable/fradulent charge. In fact there were no charges. I was also told the the account could not be reopened once it had been closed and that my only recourse was to apply and receive a card via a new account. 

This is unacceptable on a number of fronts. I only carry 3-4 credit cards/accounts. I do this by design as I don't want many accounts. Two of my cards/accounts are/were with B of A. The closed account in question was open in 2005. Now my credit score may be negatively affected by having an account closed, then further negatively affected with a new account to replace the closed account. The new account ( being new ) will not have the positive affect that the XXXX year old account had on my credit rating. Do you see how this may be an issue for your customer?? I now have less credit available to me at a time when I may need it. 

Worse, there was no warning that this would happen. No one from B of A called, texted, or emailed saying this would be done if I didn't use the card by XXXX date. I could easily have used it with some notice and avoided this. Now that's done, you have no mechanism to undo or fix the damage. While I am sure that this contingency is probably allowed, and I have implicitly agreed to it by checking a box or that it is buried in a terms of service agreement ( pages upon pages of small font legalese ), this is unacceptable from the consumers point of view.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : fcra violatons XXXX XXXX XXXX - Closed 7 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$20000.00} XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX 2 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened Indicates the date an account was opened XX/XX/XXXX Account type Lease Paid Off : 4 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1900.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX, and Equifax for myself XXXX XXXX XXXX, last XXXX Social Security number is XXXX, XXXX : XX/XX/XXXX. Please delete the following accounts. Starting with XXXX Hard inquiries : XXXX XXXX ( XX/XX/XXXX ) XXXX, XXXXXXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX & XX/XX/XXXX, XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ). 
Also, collections account for both XXXX and Equifax : XXXX XXXX ( XX/XX/XXXX ), other closed accounts listed for both XXXX and Equifax : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ). Address : XXXX XXXX XXXX, XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX, Employer : XXXX XXXX XXXX, XXXX. 
Equifax hard inquiries : XXXX XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX  XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ).
Product: Debt collection

On XX/XX/2022 I called creditors discount & audit co. to settle a debt from rehabilitation after XXXX XXXX XXXX. I asked how much they would settle out for and they told me XXXX of a XXXX debt.i called back 5 minutes later to ask them if they would take payments on the verbal settlement over the phone and the representative " XXXX XXXX '' said yes so I them made XXXX payment and called the next week to pay off my balance in full and was told my balance was XXXX so after explaining to her that they said I could make payments she then responds to " I misunderstood '' and telling her all of their phone calls are recorded she then said " yes we messed up and your balance is XXXX '' after that I insisted to talk to a supervisor she then transferred me to her supervisor and left a message and a week later after no phone call I called back because obviously her supervisor doesn't care so after saying I just want to get it over with I said I'll pay the XXXX and circled back to the first conversation and reminded her again that she said she messed up and the balance was XXXX so again asked to speak to her supervisor and left a 2nd message and no call back " 2 weeks ''. So after careful consideration I feel that this is an obvious unfair and deceptive practices. I'm trying to pay my debt to improve my credit score and cant even though I'm honoring to the settlement agreement and they are not " reneging ''. I never thought I might have to sue to pay my debt settlement agreement.