23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, Mr. XXXX learned that someone have gone to XXXX XXXX, XXXX, XXXX in XXXX, Florida and purchased 2 vehicles using Mr. XXXX 's name and personal information. A police report was immediately filed. The vehicles were financed via Chrysler Capital. 

A formal written dispute was initiated with Chrysler Capital on XX/XX/XXXX via fax. 

On XX/XX/XXXX, Mr. XXXX received a collection notice on the disputed account. 

On XX/XX/XXXX I spoke with XXXX ( employee ID # XXXX ) at Chrysler Capital Fraud department. He confirmed case # XXXX was opened on XX/XX/XXXX but not yet up for review ( based on date received ). He has forwarded me a form to complete and return via e-mail. 

On XX/XX/XXXX Mr. XXXX received a call from a XXXX XXXX with Chrysler Capital Executive Offices. She advised the XXXX that all documentation must be signed in notarized by XXXX. Most documentation provided WAS signed and notarized by XXXX ; however, they wanted a separate affidavit as such. 

On XX/XX/XXXX we received Chrsyler 's Affidavit, completed and returned via fax with all formerly provided documents confirming identity theft. 

On XX/XX/XXXX Mr. XXXX received another bill from Chrysler Capital dated XX/XX/XXXX. 

On XX/XX/XXXX I spoke to XXXX ( employee ID # XXXX ) @ Chrysler Capital ( XXXX ) and was told they were still reviewing my LPoA within their Legal Dept. 

Mr. XXXX was requested to resend all new documentation he had sent in response to earlier request - all documentation was resent. 

On XX/XX/XXXX we received notification from XXXX XXXX, XXXX, XXXX that they had confirmed the vehicles were purchased illegally via IDENTITY THEFT. 

Today we have received an XX/XX/XXXX dated correspondence from XXXX indicating that the Chrysler Capital account has been updated on Mr. XXXX 's credit file indicating UNPAID BALANCE CHARGED OFF and account is to continue reporting until XX/XX/XXXX.
Product: Debt collection

I received notification that my credit score dropped. Upon further review, there was a collections account listed on my report that I had no knowledge of. I called the XXXX XXXX XXXX and was advised that the account was sold to another creditor, who had no information for the alleged debt. This account was placed on my report with no validation of the debt and without any notification from this company I owed the debt.
Product: Vehicle loan or lease

The vehicle was repossessed and sold again and the balance was paid off however the account is still reflecting the full balance from when we bought the car. We need the account closed and removed off the reports.
Product: Money transfer, virtual currency, or money service

As a cash app user from the years of XXXX my account been accessed with out my permission. I was never able to talk to a representative about the fraudulent activities with my account because there was never a number to call. I've gotten direct deposit for employers that I haven't received because my account been hacked or locked..My family and i became homeless because of my funds not being accessible to me through cash app.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last XXXX days ago, My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX has placed an outstanding and past due account item on my credit reports and this was done inaccurately and without contacting me. I attended this school up until XXXX. I left the University at the end of XXXX due to unforeseen circumstances. I was paying for classes with financial aid ( a combination of loans from XXXX XXXX and pell grants ). This combination of funding covered all tuition expenses for XXXX. My issue comes with the fact that I have had NO COMMUNICATION from XXXX to let me know of an outstanding amount owed, no update to my online account, and no notice that my account would be sent to collection or reflect as charged off on my credit files which violates my rights for Fair Credit Reporting. This item is showing on my credit report as a 1 month unsecured installment loan directly through XXXX. Something I would have never signed for or agreed. In XXXX, not too long after my last semester with the school I logged into my student account. Upon checking the amounts and balances owed, I found that it showed a {$0.00} balance. I am requesting to receive validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and the XXXX XXXX XXXX for the 1-month unsecured installment loan in the amount of {$950.00} that 's being reflected on my credit report. This negative reporting is a hindrance to me on several aspects and should be removed from my credit reports immediately
Product: Credit card or prepaid card

XX/XX/2020 I made a purchase on XXXX to a company called XXXX on XX/XX/2020. On that date, I received an order detail sheet stating that I would be charged approximately {$130.00} but due to the exchange rate, the amount displayed may be more. It further stated that " XXXX '' will be displayed on your credit card statement instead of the website from which you purchased the mentioned above product. It's just used for sending bill statement by the seller 's payment processor as a tool. 
XX/XX/2020 I received an email from XXXX with my order number XXXX and the description of what I ordered, which was several XXXX sets. They stated my order was processing and to be patient. 
XX/XX/2020 I received the email with the tracking information The tracking No. is : XXXX XXXX XXXX Item arrived in my mailbox. The item was from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX The box was approx 6 '' x4 '' and the value was put at {$15.00} The item is a pair of FAKE XXXX Sunglasses - clearly not XXXX 's XX/XX/2020 I emailed XXXX stating that I received FAKE sunglasses and not the XXXX sets I ordered. I received no reply XX/XX/2020 I contacted Capital One and opened a dispute regarding the fraudulent charge and merchandise I received. 
XX/XX/2020 Capital One mailed out a reversal letter XX/XX/2020 They reversed the payment and recharged me the fraudulent charge of {$130.00} XX/XX/2020 I received the paperwork and immediately called Capital One, I was on hold for over 18 minutes and disconnected. I called again and waited over 16 minutes before someone picked up. I explained my problem asked why the supporting documents from the merchant didn't match my claim OR case number. I was told due to Visa 's requirements, I would have to get a second opinion on company letterhead from another merchant from the same field. First, I have never heard of this, second - why would or could I do that when the company I purchased from is a scam fraudulent company? This is just ridiculous and I feel Captial One is passing the buck and not standing by my claim. The operator I spoke to stated he had dealt with this company before and heard the same complaints. Why isn't Capital One not protecting me as their customer and hiding behind Visa 's policy? I clearly have the documentation and proof that what I purchased I did not receive. The response from the merchant doesn't support that nor does it show that I purchased from store.brickstoyna.shop and not XXXX a children 's boutique as they state. 

This is a fraudulent charge and fraudulent item received and I expect Capital One to stand by their customers. I want my {$130.00} back and this company needs to be flagged! I am including what I received from the company, what I received from Captial One, and a website that clearly shows that this company and all it's named sources from XXXX is fraudulent.
Product: Credit card

In XX/XX/2024 I contacted XXXX to install Lanterns and Spotlights on my house. XXXX did a loan through Concora Credit and said I was approved. My payment on XX/XX/2024 was minimum {$26.00}. I scheduled additional {$27.00} to be taken out also on XX/XX/XXXX. Concora Credit took out {$170.00} on XX/XX/XXXX from my XXXX Account and {$27.00} my XXXX Account. I called about the {$170.00} and Concora Credit said I scheduled that amount or it was a System error. I told them I didnt schedule that amount and I want them to reimburse me the {$170.00}. I also told them I didnt want them taking anything else out of my personal account XXXX. Around the end of XXXX the {$170.00} was no longer showing on my XXXX Account. Then, Concora Credit decided to go into my XXXX Account again and took out two payments on XX/XX/2024 in the amounts of {$170.00} and {$50.00} totaling {$220.00}. Now, Concora Credit is refusing to reimburse me my money. I have other bills that arent going to be paid because Concora Credit overdrawn my Bank Account and said it would take 45 days for a reimbursement. They asked for a Bank Statement and I gave them one, but still NO reimbursement. They denied ever receiving the Bank Statement I send overnight and signature required. I have proof they received the mail too the po box they gave me. Concora Credit stated that my minimum payment monthly is {$92.00} after accepting {$27.00} in XXXX. Concora Credit said {$92.00} is there fixed payment, but have been all over the place when it come to payments, which is is very confusing, suspicious, and questionable. Every time I call Concora Credit no one can answer my questions and see where the XXXX payments were taken out of my personal account XXXX. I have attached documents of proof of what I am complaining about below. I also filed a complaint with XXXX people need to know that this Company is treating their Customers badly and unfair. Please help me get whats rightfully mine.
Product: Credit reporting or other personal consumer reports

My Experian complaint was sent on XX/XX/2024 through the CFPB so the company certainly received my letter on this date. However, as of today, XX/XX/2024, I have yet to receive a response from Experian. This is well over the 30 day period. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Per 15 USC 1681 c-2 and 15 USC 1681i ( a ) ( 5 ) ( B ), the company has also exceeded the 5 day period in which they should have notified the furnisher of the following information : 1 ) that the information reported may be a result of identity theft ; 2 ) that an identity theft report has been filed ; 3 ) that a block has been requested ; 4 ) the effective dates of the block ;
Product: Debt collection

Re : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is once again sending me collection notices for an account that was closed/written off/closed in XXXX. The statute of limitations for both Michigan and New Jersey is six years. More importantly, XXXX XXXX XXXXXXXX, XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) which prohibits the practice of re-aging the cut off date of this closed account. 

I have notified XXXX XXXX XXXX XXXX of this and through the three credit reporting agencies dispute resolution process. As a result, there is no further purpose to communicate with this company other than through the credit reporting agencies or through my attorney as it is unambiguously clear that XXXX XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) as I received another letter dated XX/XX/XXXX and my credit report ( s ) still shows current activity from XXXX XXXX XXXXXXXX, XXXX. 

To restate, once the cutoff date has expired, XXXX XXXX XXXX XXXX is not legally permitted to pursue payment of any assumed debt. Nevertheless, XXXX XXXX XXXX XXXX continues to park this debt on my credit report, call my cellular phone and send me letters. 

Today, I contacted XXXX and discovered that XXXX XXXX XXXX XXXX continues to place inquiries on my credit report, re-ages and re-parks the assumed debt, for which I placed a fraud alert with XXXX. 

The purpose of my contacting the FTC is to seek assistance in stopping XXXX XXXX XXXXXXXX, XXXX from inputting fraudulent information on my credit report. Once again, there is no reason to contact XXXX as the account was closed/discharged in XXXX and well beyond the statute of limitations. Please help me with this malicious and predatory company. 

Thank you.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022, I mailed out a certified letter to LVNV Funding regarding an alleged debt that they claim that I owe. I sent them a cease and desist letter in regards to the alleged debt. They received the letter on XX/XX/2022, according to USPS Tracking # XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting

I 've spent thousands of dollars trying to repair my credit from identity theft and fraud that have happened in the past. I sent several documents including my FTC affidavits and dispute letters which I sent to the alleged creditors and it appears they are in some kind of ponzi scheme or false deception against the people to not disclose valid information or not investigate validate any proof verified and signed by a witness of a notary. My identity was stolen and I gave the credit reporting agencies all related information, I 've had cars purchased in my name, XXXX bankruptcy cases filed, phone accounts from XXXX and XXXX. I have a judgement that I have no knowledge of, I sent a XXXX XXXX from XXXX Illinois and no debts were on file from any corporation. The reporting agencies are not following lawful procedure. I advised the reporting agencies that XXXX student loan accounts were past the statue of limitations XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The student loan accounts on the report that says paying as agreed and also report 120 days past due with a {$0.00} balance for each account. The information being reported is not accurate information. I have been a victim of fraud and contacted the FTC all these illegal actions are hurting me and my family. I have never filed for any bankruptcy at any time and do not know how all these accounts are being opened in my name fraudulently.
Product: Debt collection

During the end of XXXX into XX/XX/XXXX, I had moved from XXXX XXXX XXXX XXXX to XXXX XXXX as I transitioned from one residential area to another. I had closed my account and sent what hardware belong to XXXX XXXX XXXX and still have the paperwork from XXXX saying it was sent. And I paid in full all debts concerning that account. After moving into the other residence, I choose cox, as my new internet provider. After one week or so upon receiving the equipment to utilize service, problems started immediately, the problems we faced were that we were unable to connect to internet services. I have equipment to measure the rate at which computers, type, devices are able to drawl from our agreed upon download rate that was XXXX mbs, I was recording XXXX and full on drop off of service. We had the technician come out twice and paid for him time. XXXX wanted to charge me for the service I WAS NOT getting. I called cox and spoke with a person that waved all the fees, and closed my account and told me as long as I send back the equipment that was theirs we could walk out separate ways amicably. I have the paperwork stating as such. 
Now I have a XXXX XXXX XXXX Ding my credit 105 pts and theyre asking for {$360.00}.
Product: Checking or savings account

Hello, On XX/XX/XXXX this year, someone hacked into my account at Citibank and issued wire transfer instructions. Citibank DID NOT verify such wire transfer instructions ( despite its promise to do so, as stated in its Citibank Client Manual ), thus causing devastating losses of {$65000.00}. I am a XXXX XXXX and this is almost all of my lifetime savings. I complained to Citibank some time ago but have not rec 'd my money back yet today. 

No one from Citibank had contacted me before the wires went out.This is particularly troublesome since : ( a ) I have NEVER ordered any wire transfer in my accounts ; ( b ) The payments were going to third parties, which made them particularly risky ; ( C ) The wire transfer amounts were substantial relative to the balances in my accounts, as they represent more than 90 % of my average account balances.
Product: Debt collection

USCB Corp. has attempted to collect this debt by threats and also placing the debt on my credit report more then 3 times. I find this very unprofessional and all deb5ts should only be reported once on a single persons account not twice and not even three times. Not only is it making the debator 's look bad but its also making the three bureaus look unaware and careless to report something correctly and truthfully. Account # XXXX should only be on this credit report once not three times or more. 

I would appreciate if this error was reported and handled properly. 

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

I have submitted this information multiple tomes and no response from debt collector and experian is reporting as accurate and hasn't provided the proof that is being submitted for this Experian XXXX. XXXX   XXXX XXXX, TX XXXX RE Account : XXXX XXXX XXXX amount {$2600.00} To Whom it May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

A medical bill or debt collection that dont belong to me I spoke to someone at the company repeatedly telling them it dont belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to get an update on my credit report from TransUnion, XXXX and XXXX and have yet received a response.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Synerprise consulting was paid on 2 seperate accounts in the amount of {$310.00} and {$110.00} for medical debts. They have not sent a statement showing balance was paid in full or had the colle tons removed from all three credit bureaus. I have called several times and they say they will send a billing statement and report to credit bureaus to have debts removed butits been months and its still in collections showing {$0.00} paid toward balance. These acct # XXXX for {$310.00} and acct : XXXX {$110.00}. By law as of XX/XX/2022 all paid medical debt has to be permanently deleted from all major credit bureaus. Synerprise Consulting has ignored my request but had no problem taking my money! I want this corrected immediately and my credit reports updated and a letter stating balances paid in full and colle tons removed permanently from all major credit bureaus.