23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My previous complaint XXXX was closed immediately after the company responded. I appreciate the resource provided by CFPB, and I would like a second review of these facts as I believe the statements made to CFPB were false, and because they addressed just one of three alleged FDCPA violations in my complaint. 

XX/XX/XXXX  : I notified collector Williams & Fudge not to contact me at work. XX/XX/XXXX  : Followed up with a written request to cease contact at my workplace. XX/XX/XXXX  : Received a call during a critical work meeting, causing disruption. I have received multiple calls during my working hours, and each time I have reminded them not to contact me during my work hours each time and then disconnected. These calls violated FDCPA section 805. In addition to these calls, I requested debt verification on XX/XX/, but received it on XX/XX/, violating the 30-day time limit in FDCPA 809 ( b ). Three of the required statements in FDCPA section 809 ( a ) have ever been provided to me by Williams & Fudge. 

-- -- -- Williams & Fudge did not address my allegation that they exceeded the maximum amount of time allowed to respond with verification of the debt. Williams & Fudge did not respond to my allegation that they failed to make required statements under FDCPA section 809 ( a ). 

Williams & Fudge claims that I did not tell them not to contact me at work and claims to have reviewed call logs in preparing their response to this claim. I have requested, on multiple occasions, not to be contacted during work hours. Additionally, Williams & Fudge claims that I only requested not to be contacted on my work phone. This is patently false. Not only was this communicated by phone, but the exact language of my emails is clear. 

" We spoke by phone on XX/XX/XXXX, and confirmed that this email is the best way to reach me. '' " In addition, my employer prevents me from answering calls during work. '' " Beyond verifying employment, my employer privacy policy prevents them from sharing information without my consent. I understand you have already verified my employment. Do not continue to contact my employer as that is the extent of information they can provide. Do not contact me at work. '' Williams & Fudge falsely asserts the claim that I only told them not to contact my employer and never asked not to be contacted during my working hours. 
Williams & Fudge claims to have conducted an internal review following receipt of my email complaint. They stated that call recordings and email communications were reviewed and did not locate any notification not to contact me during work hours. The supporting document of my original complaint demonstrates that I had made clear requests not to be contacted during work and raises doubt about the review conducted by Williams & Fudge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Those Accounts arent mine, I never Authorized those Accounts to be opened. XXXX XXXXXXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) -XXXX XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XX/XX/XXXX )
Product: Debt collection

I received a notice that I owed over {$43000.00} for a vehicle accident I was involved in, but I was not the at-fault party in the incident. Out of the blue, over a year after the incident I get contacted by a collection agency asking for the money. I spoke to my family 's lawyer and he helped me draft a cease and desist letter via Certified Mail asking that they not contact me regarding this matter. This was on XX/XX/XXXX. On XX/XX/XXXX a new company sent me a letter regarding the same debt. Again, I sent a cease and desist letter which was received by the company on XX/XX/XXXX. 
On XX/XX/XXXX, I received another letter from the XXXX comapny - AFNI - which was dated XX/XX/XXXX. 6 days after they received my cease and desist letter. 

I want them to stop contacting me. The debt is not mine and how they decided to assign it to me months or years after I thought this was resolved is not something I can figure out. 

I am concerned becuase I purchased my first home in XX/XX/XXXX and now have something to lose shoudl someone try to come after me, even if they debt is not actualyl mine to pay. I don't know if the purchase of my home is public record and possibly these creditors or Insurance companies saw that I now had assets that they could go after - but the timing does make me suspicious. 
I don't know what to do. I am not overly concerned as I know the accident was not my fault and that if this ended up in court I would be fine based on the facts - but I also know that Insurance Companies, Lawyers and Collection Agency can be predatory and often have no regard for the truth. 
I researched my options and filing a complaint seemed like the logical next step in protecting myself and my family from this harrasment. 

Thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File NO. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with necessary proof of investigation. This the account that I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received emails directly from Capital One on XX/XX/year> and XX/XX/year> with the following offer : " It's official! We're pleased to present this offer to earn a {$300.00} cash bonus. Your loyalty hasnt gone unnoticed. Weve added {$100.00} to your bonus offer. You can earn a one-time {$300.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening. We want to thank you for using CreditWise from Capital One with an opportunity to experience the benefits of the Quicksilver card. Apply today! ". I have excellent credit history with all three credit bureaus. Furthermore, I have a strong relationship with Capital One with over {$100000.00} in savings! However, upon following the Capital One instructions and submitting the application it was automatically denied. Capital One indicated " Based on your credit report from one or more agencies on the back of this letter, there are too many active credit cards based on your loan history ''. My XXXX credit score was listed at XXXX well into the good range. This makes no sense to me. I was quite shocked/surprised and I feel this is deceptive practice on the part of Capital One.
Product: Credit reporting or other personal consumer reports

Contact info/ Account # XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX This company has been on my credit report for awhile now and is reflecting negatively with the improper use of my credit. I have contacted XXXX multiple times to provide the original service agreement or contract with my signature starting in XXXX of XXXX  and I have never received any thing stating information requested. I have also had identity theft on report and this may be a company associate with it. I am asking for this negative information to be removed from all credit reports ASAP! I will be taking action with a Civil Lawsuit after 30 days of this complaint if not removed. 

BBB complaint file included and police report pages of identity theft.
Product: Bank account or service

I opened a business account with bank of America on XXXX XXXX.I received a approval email on XXXX XXXX. I went in to make a deposit on XXXX XXXX and to my surprise my account was closed without reason. I never made any deposits, withdrawals or completed any debit card transaction. so now ill will have a ews " account abuse entry '' on my report and it will damage my business reputation and make it very difficult to obtain a new business account. I would like a explination of why my account was closed for now apparent reason
Product: Debt collection

This debt collector is falsely reporting the dates of this debt to the credit bureaus. They have reaged the account and need the original credit card debt information. This account should be at the statue of limitations but they have purposely changed the date to make the account look new when it is very old. I have tried to dispute this through the credit bureaus already without success to get the accurate information reported. Credit was opened in 2016. I have emails with the date from that account. The amount seems inaccurate as well.
Product: Payday loan, title loan, personal loan, or advance loan

Companies involved : XXXX and Klarna In XX/XX/XXXX, I placed an order for XXXX items from XXXX and paid through Klarna. Only XXXX items were delivered successfully via fedex, while XXXX items were marked as delivered but never received. The missing items were shipped via XXXX and XXXX, XXXX unreliable carriers. The proof-of-delivery images do not match my apartment, indicating misdelivery. It was delivered to a different location instead. 

Steps Taken to Resolve : XX/XX/XXXX Reported the missing items to XXXX. 
XX/XX/XXXX XXXX refused assistance. 
XX/XX/XXXX : I emailed XXXX with a detailed description of the situation and stating that the package was not delivered to the correct location. 
XXXX XXXX refused assistance. 
XX/XX/XXXX XXXX Klarna, which paused payments under their XXXX XXXX policy while investigating. 
XX/XX/XXXX Klarna ruled in favor of XXXX and resumed payments, charging me {$1500.00} despite informing them that the packages were not delivered to my apartment. 
XX/XX/XXXX Reached out to Klarna again for further review. 
XX/XX/XXXX Klarna reaffirmed that they would not cancel the payment because XXXX claims the order was delivered. 

Complaint Details : Klarna failed to uphold its XXXX XXXX policy, ruling against me despite proof of misdelivery. 
Klarna resumed payments unfairly, charging me {$1500.00} for items I never received. 
XXXX refused to assist, despite unreliable carriers and invalid proof of delivery. 
I have been a responsible customer to Klarna by never missing a payment and this is the first time reporting a problem. Additionally, this is my second time ordering from XXXX. Except, my first online purchase was delivered successfully by XXXX gaining my trust. I did not expect them to use unreliable delivery services during my second order. 
As a result, I have suffered financial loss, as Klarna and XXXX have forced me to continue making payments for undelivered goods. Their decision does not align with fair consumer protection practices.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I maXXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Vehicle loan or lease

I paid off the settled balance as agree, unfortunately the settlement agreement was never signed by your company ( EXETER FINANCE ) in which I was promised that the settlement agreement would be signed by Exeter finance. I was the only one that signed the agreement. And as far as my Proof of claims letter and debt disclosure letter is concerned, those are a total of 120 questions on those documents that i as a customer/consumer have a right ask. Unfortunately, no one from Exeter finance answered the questions. The only response was " YOU DEMAND '' I stop sending " SCMEMS ''. Why haven't Exeter Finance signed the settlement agreement that was sent to me through DocuSign? I was promised that after payment Exeter Finance will email me a signed document from them agreeing to the settlement contract agreement. " MY QUESTION IS THE AGREEMENT VALID '' as opposed to a final receipt? Just like Exeter Finance Has a right to email me or call me to ask " THIER '' question to settle at a certain percent, I have the exact same " RIGHTS '' to email or send a letter with questions. And if the questions are avoided/ignored then I have a right to assume the inaccuracy of the account/contract/assigned contract invalid and yes return respectfully the XXXX XXXX XXXXXXXX XXXX My questions are fair in the debt disclosure letter and proof of claims letter. However, you/EXETERFINANCE STAFF insulting response TO MY 120 QUESTIONS was " EXTER FINANCE IS DEMAMNDING ME TO STOP SEND FRAUD SCHEME LETTERS '' No one called me to cover the questions. Also, certain things weren't disclosed in the time of signing the " ASSIGNED CONTRACT FROM THE DEALERSHIP. PLEASE RESPECT MY REQUEST AND MAIL ME THE " SIGNED SETTLMENT AGREEMENT AS WAS PROMISED FROM EXETER FINANCE. RESPECTFULLY IF YOU HAVE FURTHER QUESTIONS PLEASE CALL ME AT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX that Chase Manhattan Bank updated my file with incorrect information on XX/XX/2020. I believe this to be in response to a referenced complaint against a merchant complaint ID XXXX. Chase Manhattan was listed in this complaint as the payment processor and since the filing of this complaint. I have received emails from Chase considered spam. In retailiation for this complaint this has been submitted today causing a drop to my credit score of 93 points. The information previously reported has not changed in six years.
Product: Debt collection

This was an XXXX DOLLAR CHARGE FROM 2013!! I PAID IT OFF MORE THAN 40 DAYS AGO. IT IS STILL SHOWING UP ON MY CREDIT REPORT ON EQUIFAX. THE PEOPLE AT XXXX XXXX XXXX ARE SO STINKING RUDE!!!!
Product: Credit card or prepaid card

The card was XXXX XXXX XXXX. The packaging stated, '' Use your XXXX XXXX XXXX in the U.S. anywhere XXXX debit cards are accepted, including online. '' Nowhere on the outer packaging did it state that the card needed to be registered in order to make online purchases. While attempting to use the card to purchase blinds from XXXX, my card was refused because it could not be verified. A call to XXXX told me I had a {$0.00} balance and the funds could not be replaced for up to 12 days and it is my responsibility to check to see if the funds have been restored. ( as though I have nothing else to do. ) This problem could have been avoided, if the card included a sticker stating card must be registered for online purchases. I finally found the info on registration, deeply embedded on a miniscule pamphlet inside! I question XXXX 's membership in the FDIC for what clearly appears to be deceptive practices. I also resent the {$3.00} purchase fee XXXX charges, it should ease the use of purchasing not complicate it. Thank for listening.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts un resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX formerly XXXX, Account Number : XXXX has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a voicemail from ( XXXX ) XXXX, which was from an individual named XXXX from Premier Portfolio on XXXX/XXXX/15. I returned his call on XXXX/XXXX/15, and spoke to an individual named XXXX who indicated I had committed a fraudulent crime by not paying a debt. I attempted to ask for a validation of debt while explaining my current situation, and inability to pay. She would not listen, spoke over me, argued with me, threated to prosecute me to the " fullest extent '' and hung up on me. I tried to call back and speak to XXXX, the initial person that contacted me, and individual named XXXX answered. XXXX transferred me back to XXXX, and she asked me to stop calling because no one wanted to help '' me in their office. I attempted to request information to determine if this debt is legitamate, if it ineed is -I am not trying to run or avoid it, and would like to take care of it but was told to cease calling their office ...
Product: Vehicle loan or lease

Exeter Finance This is a Privacy Violation FCRA. Plz remove XX/XX/2024 LATE payments under 15 USC 1666b Improper use of credit report. Creditor may not treat a payment on credit account under end consumer credit plan as late for purpose of reporting. 

By the provisions of the Fair Credit Reporting Act, this is unauthorized negative information and I demand negative items be removed from my report. 

Thank you for your time and help in this matter. 

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

Transunion unbelievably is putting fraudulent information on their report regarding me and my accounts.There are two egregious items on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX HAS BACKDATED THEIR REPORTING. AFTER CLOSING THE ACCOUNT BECAUSE I DID NOT RECEIVE PROMISED DISCOUNTS AT THE PUMP IN MY AREA, I DISPUTED THE ACCOUNT ; I PAID OFF THE ACCOUNT TO 0 IN SEVERAL INSTALLMENTS ; AND I CLOSED THE ACCOUNT. THEN IT WAS REPORTED BY TRANSUNION AS SUCH. TODAY AFTER DISPUTE IT SHOWS OPEN WITH A LONG AGO PAID OFF XXXX DOLLAR BALANCE.THE BALANCE IS 0.Please immediately delete this fraudulently reporting account. 

THE OTHER ITEM XXXX XXXX XXXX.IS COLLECTING FOR XXXX, THE ORIGINAL CREDITOR.XXXX, ABOUT 3 YEARS AGO SOLD ME NON-FUNCTIONING PHONES AND SERVICE. IN XXXX XXXX, CA WHERE I LIVE THE PHONES HAD DROPPED CALLS, UNRECEIVED MESSAGES, INTERFERENCE ON CALLS ESPECIALLY WHEN WINDY, LEADING TO UNINTELLIGIBLE CONVERSATIONSON A REGULAR DAILY BASIS. XXXX, IN THEIR STORE, EVEN HAD THE NERVE TO TRY TO SELL ME OTHER PHONES TO SOLVE THE " PROBLEM ''. THE PROBLEM, I LEARNED, IS THAT XXXX DOES NOT HAVE SUFFICIENT CELL PHONE TOWERS OR NONE AT ALL IN MY AREA. THEY SOLD ME PHONES KNOWING THIS, KNOWING MY ADDRESS AND KNOWING THE PHONES WOULDN'T BE SUFFICIENTLY FUNCTIONAL BY ANYONE 'S STANDARD. 
This account should be deleted for fraud immediately.
Product: Debt collection

Account name : PROCOLLECT , INC Acct # XXXX Date opened : XX/XX/2019 Balance : {$1300.00} Acct type : Collection account I have submitted several disputes against this charge and nothing has been done about it. I do not owe this company any money. I have explained this several times and because the company has submitted false information I have this debt on my credit report that they will not remove from it.
Product: Credit card

A few months ago, my credit cards were charged close to XXXX overseas. I submitted a fraudulent claim and after months of back and forth with Wells Fargo and obtaining a police report, Wells Fargo refused to take this matter seriously. There fraud department did not perform an actual investigation into the charges ( i.e., look up my vendor history, reach out to the vendors to confirm the purchases ) and closed the claim. 

I received correspondence on XX/XX/year> form WF that the claim was closed based on " the EMV Chip was used and currently can not be duplicated. '' I obtained a police report, a third party, confirming that this is an ongoing fraud, however, WF dismissed that information. I'm reopening the case until WF performs an investigation into the fraudulent charges.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.