23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from AFNI in XX/XX/2018 in the amount of {$960.00}. First and foremost, I have confirmed that the debt collector, AFNI is not licensed in the state of Texas to collect on this debt. Secondly, AFNI violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to AFNI? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AFNI has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$960.00}.
Product: Credit reporting or other personal consumer reports

I am trying to purchase a house, I realized that I had damages on my credit report. According to the 15 US 1666b there should not be any damages on my report its a defamation of character.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. 
to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I the original Creditor and federally protected consumer, experienced inadvertent errors with Capital one Bank that caused several transactions to be declined and return to my bank. I called in after each declined transaction to figure out what was going wrong, and an agent assisted me in setting up the account and processing a payment over the phone. 
I reviewed my statement to see the transaction was declined and returned to my bank. This issue was not for insufficient funds and I was informed to contact my bank. My bank informed me everything was clear on their end and couldn't explain why the transactions were being returned. 
I received a email stating that my account was being closed out for fraud and I should stop using the account, and I was still liable for any remaining balance. 

I called immediately to resolve the issue with no results other than this is the policy and we are sorry. 

Per the FDIC capital one is in violation of adverse actions : 100.2 definition adverse actions ( c ) ( i ) refusal to grant credit in the agreed amount ( ii ) termination of an account ( s ) inadvertent means mechanical, electronic or clerical errors, that was not intentional.

100.2 ( t ) judgmental system of evaluating applicants other than credit scoring 1002.4 General rules ( a ) discrimination.

A creditor shall not discriminate against applicant on prohibited basis regarding transactions of any aspect.

( b ) discouragement as I am now afraid to apply for another credit card as I was also denied further credit with Captial one during a new application in attempts to re-establish my account. I was not offered a counter offer 1002.2 ( i ) This incident has caused me high stress as I have bills that depend on my credit limit. I'm also anxious and worried as the threat of closing my account will cause a negative impact on my credit score. Per FTC Captial one Bank is in violation of : 15 USC 1692 Congressional findings and declaration of purpose ( a ) unfair practices resulting in bills falling behind and negative credit impact c ) Non-abusive Collections Method ( d ) interstate commerce 15 USC 1692b Acquisition Of Location Information ( 2 ) stating that I am responsible for the remaining balance ( debt ; ) 15 USC 1692d Harassment Or Abuse ( 1 ) causing harm to my reputation with possible future lenders.

15 USC 1692j Furnishing Deceptive Forms ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a pr
ovision of this subchapter.

15 USC 1692k civil liability ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or Let it be noted that : a credit extension is a private transaction between the creditor and THE ORIGINAL CREDITOR.

A creditor ( capital one ) is one who extends credit by definition of FTC and a Creditor ( capital one ) can not collect a debt.

Debt is defined by the FTC as an owed or allegedly owed debt by a consumer
Product: Debt collection

XXXX XXXX calls me daily to seek a debt I owed to a bank in the amount of {$120.00} They call from a different number every few days, sometimes multiple times in a day. The person on the phone is always rude, last time I spoke to them was a few weeks ago ( now I just hang up ), on that occasion they threatened " further action '' if I did not pay the measly {$120.00}. 

They tried to get my bank account information, and promised that they would not extract the funds until XXXX XXXX, I did not give them my account info, as I had bills to pay and other debts to pay. 

They have threatened to take legal action, they have called me late at night, they have been rude and demanding, and they call me many times in a week. I am sick of them. I plan to pay when I can afford to, but I have many debts and many bills, and I am the sole worker in my family and my wife is pregnant. I ca n't even afford insurance.
Product: Credit card or prepaid card

I had originally filed a claim with Wells Fargo for a merchant who didnt payback my winnings at the XXXX online casino. Wells Fargo opened a claim and I lost the investigation even though the company never responded to the dispute. Wells Fargo asked me to send in documentation with a follow up call. I did follow through with the the documentation and call. I then have a card reversal or a provisional credit and it drawn my balance into the negative. Wells Fargo claimed I didnt send documentation but what they received wasnt a pdf to what they prefer and never decided to call me to send in the right format. I spoke to 3 different specialists and they all gave me a different answer. One said resend the documents. Another said the case was closed. This happened all in the same day and was told I cant re file another claim. Do not trust this bank. They try to manipulate and discredit customers in every way.
Product: Credit card or prepaid card

American Express allowed 2 prepaid credit cards to be opened with my name, SS and DOB, the address, email and cell phone were different. I have been an active member in good standing with AMEX since 1997. The person used the cards to open up fake companies and commit fraud. These were brought to my attention because I was brought into a lawsuit for over {$2.00} XXXX. These cards should have never been opened, this is fraud that is simple to detect and AMEX should have picked it up if they had simple compliance controls in place. AMEX never notified me the cards were opened, I am on the website several times a month, no activity ever showed up. It cost me over {$40000.00} in legal fees and I have asked AMEX to reimburse my expenses, they have offered me {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN A CAR LOAN ( XXXX XXXX XXXX XXXX UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THIS CAR LOAN, AND THEREFORE REQUEST THAT CREDITOR TAKES ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILES.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a notice from Penn Credit about a debt from XXXX XXXX that doesnt belong to me. The notice stated if I wanted to file a dispute I had until XX/XX/XXXX to do so. It also stated I could file my dispute online using their email form to complete which I did on XX/XX/XXXX more than enough time from the XX/XX/XXXX deadline to file a dispute and that more information on validating the debt would be sent to me after the filing of my complaint therefore this collection shouldnt be listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law.Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

Ordered an item online through paypal, found out website was a fraudulent site copied by the real site, contacted the actual company & they informed me the site I used was not theirs, its fraudulent. I can not get in contact with the seller. Paypal declined my claim.
Product: Debt collection

I am writing to formally request a copy of the purchase agreement associated with the account Under the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that is reported on my credit report. Specifically, I am requesting that you provide the original purchase agreement that substantiates the validity of this account. 

If you are unable to provide this documentation within XXXX  days of receiving this letter, I kindly ask that you cease and desist all collection activities related to this account. Furthermore, I request that you delete this item from my credit report in accordance with the FCRA, specifically 609 ( a ) ( 1 ) and 605 ( b ), which outline the rights of consumers to dispute inaccurate information and the requirement for creditors to provide validation of debts. 

Please send the requested documentation to my address listed above. If I do not receive a satisfactory response within the specified timeframe, I will have no choice but to escalate this matter to the appropriate regulatory authorities
Product: Debt or credit management

On Thu, XX/XX/XXXX at XXXXXX/XX/XXXX I hired XXXX XXXX Debt Specialist with National Debt Relief to help me with a way to get mt debt under control. I had got over my head with personal loans. so, I signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. and was to pay them on Draft Date Draft Amount Status XX/XX/XXXX {$460.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} Also includes with this was XXXX XXXXwhom I entered into an agreement on a payment schedule of XXXX - XXXX Current Balance Owed to Creditor - {$8700.00} Proposed Settlement Offer - {$6300.00} Number of payments - XXXX Monthly Payment XXXX XXXXXX/XX/XXXX$260.00} XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} XXXX XXXX x {$260.00} Total Savings - {$2400.00}. on XX/XX/XXXX I was served a summons to be in civil court at XXXX XXXX, South Carolina, because I was being sued by XXXX XXXX. I received this email from my Attorney : To : XXXX XXXX, This is to inform you that XXXX Has gotten a JUDGEMENT against me and my wife XXXX XXXX, on XX/XX/XXXX. I received a notice of JUDGEMENT on XX/XX/XXXX. I thought your office had an agreement with XXXX to make payments and I did not need to show up for the hearing on XX/XX/XXXX XXXX. SEE FOLLOWING NOTICE. 

On Thursday, XX/XX/XXXX at XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX wrote : Dear XXXX XXXX XXXX Our office represents you in your XXXX matter that is currently in litigation. I am the paralegal assigned to your case. 

Please be advised that you DO NOT need to attend your court hearing on XX/XX/XXXX. 

Please do not hesitate to reach out to myself or your attorney for confirmation or clarification. Our office hours are : Monday - Friday XXXXXX/XX/XXXXto XXXX XX/XX/XXXX Thank you in advance for your prompt attention to this matter. 


Respectfully Yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX, NY XXXX Local Tel : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/2020 I disputed an account reported by XXXX XXXX XXXX XXXX  in the file you maintain under my Social Security number. I was informed on XX/XX/2020 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly.
Product: Credit reporting

XXXX XXXX student loans reached an agreement with me and sent me a letter to agree to have all XXXX accounts deleted off of my credit report, I uploaded the letter as proof to Equifax and they have yet to delete. I just want the accounts deleted off my credit report like agreed in the letter that I sent.
Product: Consumer Loan

XXXX XXXX XXXX fraudulently sold to Automotive Credit Corp by car dealership. I traded my XXXX XXXX at XXXX XXXX XXXX in XXXX, FL in XXXX. The dealership sent XXXX bad checks to XXXX XXXX XXXX and failed to pay off the vehicle so they basically stole my XXXX XXXX. XXXX sent the title to XXXX after receiving the second check without confirming that the check cleared. In XXXX XXXX XXXX XXXX sold my XXXX that was not paid off as promised in the retail contract to Automotive Credit Corp. XXXX is currently out of business and XXXX XXXX demanding payment in full in the amount of {$13000.00}. I called the finance company to explain what happened and was told that I was not their customer and that there is nothing they can do. So basically they were informed that they are financing a car that was not paid off by the dealership whom they bought the car from and are failing to release the lien and return the vehicle to me so I can pay the initial lienholder which is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Formal Dispute Regarding Inaccurate Information on my Credit Report Dear Transunion, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. XXXX XXXX  aware of my rights under the Fair Credit reporting Act and request a thorough investigation into these inaccuracies, as requires by federal law. 


Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputes and inaccurate information without explanation Failing to notify consumers about investigation results effectively These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my Credit Report with Experian. I noticed my credit score was lower that it should have been after my due diligence I noticed that Experian was reporting that I had a Bankruptcy filed in XXXX. This is not accurate at all. There are so many people in California let alone the country that share my same name. It is very common, with all of the security breeches and Identity theft out there I can see how Experian may have mixed this up. One XX/XX/XXXX I sent a letter to Experian requesting that they open an investigation into the matter Cert Mail Tracking # XXXX which they received according to USPS on XX/XX/XXXX. Since this time frame I have only received a generic response into the matter. I requested that they open an investigation and I would like to know how they indeed found this negative information to be accurate and belong to me. In my research and due diligence I called the Court and asked how this information can be validated and why they would report such a thing and damage my Credit. The court told me they do not report to credit reporting agencies. They told me Experian gets its information through XXXX XXXX which sometimes may have errors. I requested in my letter to Experian that this matter NOT be validated through XXXX XXXX because with a name like XXXX XXXX it is so common and easily able to get mixed up. I asked that their response NOT be automated or have XXXX-XXXX verification because this would simply show negligence and not be in my best interest as a consumer and it would violate several laws of the Fair Credit Reporting Act. All I received back was a generic response which stated the Bankruptcy was validated. My letter was clear and it has yet to be looked at with care.
Product: Credit reporting or other personal consumer reports

i have SLS loan home moergage i Never choose this company but XXXXXXXX XXXX  Sell my loan to SLS MORTGAGE these are very unprofeesional Not sending Correct Report to CREDIT BEAURE EVEN MY MONTHLY PAY MENT NOT REPORT last 7 months my another bank denied to increse my credit line they said you have high mortgage payment not paying on time when i call SLS they threaten me even and they said you call them tell them credit beaure Credit beaure said we are not listing customer we listing bank we work for lender not for customer SLS SOUND LIKE THEY ARE XXXX for XXXX $ they sent report loan moidification but not ask me for escrow payment 1.. please update monthly payment to credit beaure no HIGH Balance and if possible seel my loan to another bank i hate SLS mortgage name very shamefull peoples well trained to excuse andd threat to customer
Product: Credit card or prepaid card

Applied for the card did n't know that they would run a hard inquiry on my credit report.
Product: Debt collection

Getting repeated emails and a letter from A.R.M.Solutions Inc that we have not paid our yearly subscription fee for the XXXX XXXX XXXX XXXX XXXX newspaper. However, we have a monthly, up to date, automatic deduction subscription payment, rather than a yearly subscription fee. A.R. M. are scam artists ( as evidenced by other complaints against them ) trying to make us pay bill we do not have.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX : {$26.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts on my credit report are in violation of Federal Law. I have requested a few time before a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. I have no record of doing business with any of these companies listed below. XXXX XXXX, XXXX, Experian have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. I demand the following accounts be verified or deleted immediately : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX {$500.00}