23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is NOT my account. It was opened fraudulently in my name. It is some kind of utility bill iXXXX XXXX XXXX Texas. When I received the first notice of this bill/account, it was by mail. I immediately contacted the collection company and told them this was fraud and explained i had been the victim of identity theft. They continued to harass me to try to get me to pay the bill, despite the fact that i was providing policy incident information, had already reported to the credit bureaus that the XXXX XXXX  addresses were fraudulent, and despite the fact that they were mailing this notice to my home address in North Carolina - so i clearly dont live in XXXX XXXX. They told me they would mail me a " packet '' to complete and expected me to mail all kinds of personal identification and affidavits through the mail. I told them that was not going to happen as that is exactly how identity theft happens, but that i would provide them the police report information and they could use that to investigate and see that this was fraud. They refused and continued to press me for payment. They then threatened to report this to the credit agencies and damage my credit. I told them they could not do that as this was not a valid debt and i disputed it within the 30 day window. They reported it anyway and follow up attempts to get them to remove are not working.
Product: Credit reporting or other personal consumer reports

Experian PLC is headquartered in XXXX, XXXX and operates in XXXX XXXX. Experian PLC is a for profit traded company under symbol EXPN in the business services industry, which generated XXXX XXXX dollars for fiscal yr. XXXX. 
Experian is regulated by the FCRA and in occurrence with the FCRA. Experian must comply with The Privacy Act of 1974, 15 U. S. C 1681 a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers ' right to privacy. 
I have not verbally or given any written agreement to Experian that allows them to report or provide any information on any report pertaining to a federally protected consumer. 
They have violated 15 U. S. C 1681b, 15 U. S. C 1681c, 15 U. S. C 1681e ( a ) ( b ) and being as though Experian has not received any written instructions from a federally protected consumer. Experian has stolen my identity under 12 CFR 1022.3. Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
I have the right to make sure my private information isnt shared, which is backed by 15 U.S.C 6801. 
These are the accounts I want removed from this credit profile : 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

I am writing to formally dispute discrepancies I have identified on my credit report. Upon reviewing my report, I noticed inaccuracies related to late payment entries. These entries are incorrect and are unfairly affecting my credit profile.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As your company is a consumer reporting agency and I am the consumer, I have the right to ensure that my private information is handled responsibly and not shared improperly.

This is further supported by 15 USC 6801, which establishes : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Additionally, under the Fair Credit Reporting Act and the Privacy Act of 1972, which safeguard the accuracy, security, and confidentiality of consumer information, I respectfully request that you investigate and address these inaccuracies. 

Below are the specific details of the discrepancies : Creditor Name : XXXX XXXX Account Number : XXXX Dispute : Under 15 USC 1666b - Timing of Payments, this account should reflect a status of " Never Late. '' I have enclosed a copy of my credit report with the errors highlighted, as well as supporting documentation to substantiate my claim. I kindly request that you correct, modify, or delete the inaccurate entries as appropriate. 

Under the FCRA, you are required to investigate and respond to my dispute within 30 days of receipt. Please provide written confirmation of the outcome of your investigation and an updated credit report reflecting the corrections. 


Thank you for your prompt attention to this matter. I trust that you will ensure the accuracy of my credit information and uphold my rights as outlined by the FCRA. 


Sincerely, XXXX XXXX
Product: Checking or savings account

Capital one sent this email User XX/XX/2023 Important Information About Your Account ( s ) Re : Your account ( s ) ending in XXXX XXXX XXXX, XXXX decided to close your account ( s ) ending in XXXX because we observed activity that is inconsistent with our terms and conditions. When opening your account ( s ), you agreed to the terms and conditions that state we may close your accounts at any time and for any reason. Were unable to reopen any accounts and you wont be able to open any additional accounts with us.

Your balance and any interest earned will be transferred to your linked external checking account within 2 to 3 business days. If you don't have a link or your link is closed, a check will be mailed to your address on file within 7 to 10 business days.

If your account balance is currently negative, youll be held responsible for the negative balance. If you have any pending claims, well wait for those to reach final decisions before proceeding with the account closure. You'll need to stop writing checks and cancel any automatic deposits or payments for the account right away because it has been restricted from future use. 

If you have any questions, please call us at XXXX, XXXX XXXX XXXX. ET, 7 days a week. 

Thanks, Claims Support Center Capital One I have tried reaching out to them to figure out as to why they closed my account leaving me with no funds. I had a total of USD {$4800.00} in that account Theyve said that they will send out the money once the last pending transaction clear ( which already has ) and once they conduct their investigation but have given no time frame as to when that will be. This is all very frustrating because its my hard earned money and its not right that there keeping it hostage with out definite time frame as when the account will be fully closed and the money will be sent out.
Product: Credit reporting or other personal consumer reports

I have a loan through XXXX XXXX. I have been paying on it since XX/XX/year>. I have never been late. Never missed a payment. They stopped reporting to the credit bureaus and it looks like I am derogatory when I've never missed a payment
Product: Vehicle loan or lease

Subject : Complaint against Ally Financial - Improper Vehicle Repossession and Debt Collection Practices Dear CFPB, I am writing to file a complaint against Ally Financial regarding improper vehicle repossession, lack of notification, and unfair debt collection practices. The issues are as follows : Lack of proper notification : Ally Financial repossessed my vehicle without providing proper notice of the repossession or subsequent sale. I was unaware the vehicle had been sold until I researched online a year later. 

Failure to provide documentation : Despite ongoing disputes through all three credit bureaus, Ally has consistently refused to provide documentation supporting the balance they claim I owe. 

Dual debt collection efforts : Ally Financial is directly contacting me about the debt while simultaneously employing a third-party debt collector for the same amount. If you see I have documentation from two different entities requesting payment. I will also provide emails that I receive from Ally Financial separately from this debt collection agency that harass me for payment as well on their behalf. 

Restricted access to information : On XX/XX/XXXX, an Ally representative claimed they only had proof of notices sent on XXXX XXXX and XX/XX/XXXX ( after the vehicle was sold ). The XXXX notice wasn't addressed to me as a co-signer. They would only provide this information via fax but said they mailed them which is a false statement. Also Obstructed information requests : When requesting information about the sale, I was redirected multiple times and ultimately received encrypted, password-protected documents that still fail to prove Ally followed proper legal procedures. 

Ongoing credit reporting issues : Despite my disputes, Ally continues to report this debt to credit bureaus without noting it as disputed. 

These actions appear to violate various consumer protection laws, including the Fair Debt Collection Practices Act and state-specific repossession laws. I request your assistance in investigating these practices and helping to resolve this issue. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with XXXX XXXX since XX/XX/XXXX regarding derogatory payments being reported on my credit report. They have indicated to credit bureaus that I have not paid my account in XX/XX/XXXX and XX/XX/XXXX. The account has had a XXXX balance since XX/XX/XXXX, however they report that I owed a {$13.00} on this account and failed to provide statements. I filed disputes with all bureaus on XX/XX/XXXX and contacted the bank. All of the disputes were denied by the credit bureau. XXXX XX/XX/XXXX admitted the mistake over the phone and removed the {$13.00} ; they said the issue would be resolved with my credit report within 30 days. They would not issue a letter to my mortgage broker in the interim. There was no update in XX/XX/XXXX report so I continued to call them ; no answer, and no update to my credit reports. I have spoken with XXXX XX/XX/XXXX, Loss Containment, Credit Dispute, Customer Service, and their Regulatory Risk  Management department. They have admitted that they have made an error however will not remove these marks from my credit report. This has cost me time ; and the ability to purchase a home in a timely manner. This is unacceptable ; no one at the bank seems to know what to do ; my credit report is being artificially lowered by around 100 points and preventing me from moving forward with a purchase without a significant increase in my downpayment amount and a much higher interest rate than I would otherwise have paid.
Product: Credit card or prepaid card

I disputed charges made in XXXX XXXX that were fraudulent. I also recently had found fraudulent accounts, addresses and phone numbers on my credit files. I'm in the process of sorting those issues out right now. I am filing a police report regarding this situation and contacting this company as a last resort. I went directly to the creditors and credit bureaus and have only had partial success resolving my disputes. I recently just received a denial letter from Self, saying that the transactions were verified, and I am responsible for them. 
Totaling an amount of {$460.00}. Dated XXXX XXXX, 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting has Removed an Open Account as well the Inquiry from the company of the account ( XXXX  XXXX ) from my Credit Report. The Company has reported it Open as well as Credit Usage to Experian from 2022 to date. My Credit Report states that I have " 0 Open Accounts '' and " 0 Credit Usage. '' This is Fraud and a Violation of my Rights as a Consumer.
Product: Credit reporting or other personal consumer reports

I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name.

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.
Product: Credit reporting or other personal consumer reports

I am disputing certain information in my credit file that I believe is inaccurate. In compliance with the Fair Credit Reporting Act, I kindly request your assistance in investigating and, if applicable, removing this inaccurate information from my credit report. 
Upon reviewing my credit report, I have identified negative account entries that I do not recognize and therefore dispute. I am concerned about the accuracy of these entries, as they do not reflect my credit history accurately. 

Below are the details of the item in question : Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX for Dispute : This account is not recognized by me, and debt collector does not own a collectors license to collect in the State of Florida Account Number : XXXX Creditor Name : XXXX XXXX XXXX  Reason for Dispute : This account is not recognized by me, and debt collector does not own a collectors license to collect in the State of Florida Account Number : XXXX Creditor Name : XXXX  XXXX Reason for Dispute : This account is was paid off in full and because I have a new credit product with them it was agreed by XXXX  XXXX to delete this account to start rebuilding my credit.
Product: Credit reporting or other personal consumer reports

Request for Removal of Collection Accounts due to Violation of Consumer Laws Account Numbers : XXXX XXXX XXXX Account Number : XXXX SUNRISE CREDIT SERVICE Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to dispute the above-referenced collection accounts that are currently reported on my credit file. Upon review of my credit report and the records pertaining to these accounts, I have found discrepancies and practices that I believe violate several consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA and FCRA, consumers have the right to dispute and demand the validation of debt information that they believe is inaccurately reported. Despite my efforts to resolve these discrepancies, I have either not received adequate validation of these debts or found that the practices used to collect or report these debts violate the aforementioned acts. 

In light of these violations, I am requesting the immediate removal of these collection accounts from my credit report. Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will leave me no choice but to consider further actions. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.
Product: Money transfers

Hello, my name is XXXX and I lived in XXXX for 4.5 years while attending XXXX University. I started an online business while in college selling high-value designer goods. I was the victim on an online return fraud, caused by EBAY and PAYPAL. in which the individual returned me a counterfeit item via USPS mail. 

I sold an individual named XXXX of XXXX, NJ ( Shipped to his address at XXXX, XXXX XXXX ) a vintage, handmade designer belt for {$500.00}. He opened up disputes with the payment processing company, first falsely claiming that he did not receive the item ( when I checked the USPS tracking it had arrived that morning ). Ebay ended up siding with me after I contacted USPS and provided proof the item was received. 

He then opened up a different dispute claiming that the item was not as described, claiming that it was a counterfeit belt, which forced me to accept a return. When I received his return, he had sent me a counterfeit replica of the belt I had sold him. The item he returned to me was completely different than I originally sent. 

After providing these images, ebay sided with me. He then opened up a dispute on paypal, which they sided with him. I called paypel a dozen times and provided pictures, and they still refunded him the money from my account, claiming I needed a police report as proof. 

I attempted to contact the XXXX police department by phone in XXXX, and was told to contact my local police department. At this time, I was in college in XXXX, XXXX, and unfortunately they told me to contact the XXXX police. They were both useless. Thus, I filed 2 FBI IC3 Internet Criminal Complaint forms ( # XXXX and # XXXX ). Finally, paypal gave me money back out of their own pockets. 

The transaction took place on ebay through paypal. Neither of the companies assisted me in any way. I contacted multiple other sellers from his transaction history and they told me he had performed the same return fraud against them. As far as I know he has done this at least 4-5 times. I have picture evidence to back up everything I have said, as well as screenshots of the entire conversation history. He sent me multiple abusive and threatening messages in the course of commiting the return fraud, all of which I have documented. 

The worst insult is that ebay has deleted all of the negative feedback I left the buyer. They deleted other feedback from different people he scammed. They removed all of the resolution center history off the website, making it inaccesible to me. They wiped clean any evidence of this ever happening. The user changed his username, and did not receive a ban, even though he very clearly deserved it. 

I have already received my money back after 2 months of hard work, stress, and anxiety, but I would like to continue for justice against ebay and paypal for letting this happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent transUnion an identity theft reporter and ask them to look into information on my credit report that was fraudulent. Transunion has yet to block information I requested. Its been more than 4 days to which I have yet to get a response or notification acknowledging my complaint, violating FCRA under 15 U.S. Code 1681c2 ( a )
Product: Credit card

Received an unsolicited credit card, Chase Visa Amazon Rewards.I have been told that the Fraud Security Dept. will not contact me even though I have requested an investigation. 
Also I want a copy of the credit application as submitted so I may see if clues exist as to the identity of the criminal.Otherwise I feel this is a bad move by Chase, much like XXXX XXXX, to increase business.I have spent hours attempting to research and control the damage, since Chase Fraud Dept. will not involve itself according to the employee I spoke with. 
I currently am a Chase customer, so my thoughts are that it was a Chase promotion.
Product: Credit card

After making a complaint yesterday about the fact my dispute has gone unsolved and Apples behavior, my dispute was closed and not applied to my balance, they ruled in favor of XXXX, dispute the evidence I uploaded, that I also uploaded to you guys yesterday. 
And my {$200.00} payment also had not been applied to my balance. My available balance is {$0.00} This was done in retaliation to my complaint made yesterday prior. 

They are now trying to silence me by intimidating me using my money. 

I have also requested my {$200.00} payment be refunded.
Product: Payday loan, title loan, personal loan, or advance loan

I got a title loan with Onemain. While getting the information I was told that I had to get the insurance in order to get the loan so I agreed. I looked through my documents and came across another insurance so I called the number in which the person told me that the insurance wasn't mandatory and could be returned. I did that and adjustments were made. However I still feel like I was tricked into this contract and I'm not sure of any other possible mishandling of me as a customer in a contract with them.
Product: Credit reporting or other personal consumer reports

My accounts with XXXXXXXX XXXX XXXX and XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX, XXXX, XXXX, AND 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. 

XXXXXXXX XXXX XXXX and XXXX XXXX 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