23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is a collection that is re-aging on my credit report in the amount of {$500.00}. I knew nothing of this until it surfaced on my report. The original creditor is XXXX XXXX, but since then I assume it was sold to NCA. I've tried calling, leaving messages, disputing etc. No action.
Product: Credit reporting or other personal consumer reports

These companies in question ( XXXX XXXX XXXX, LVNV Funding LLC, XXXX XXXX XXXX XXXX XXXX XXXX ) do not show purchase agreements, owner of debt, and have not made a proper investigation. They have continued to try to contact after a cease and desist order was issued. The reporting agencies ( XXXX, XXXX XXXX XXXX ) have not allowed me to dispute with proper results even after stating the FCRA laws they have blatantly violated. These negative items do not belong on my report and the dispute process does not work with these reporting agencies. Remove all negative items from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done several disputes with several credit card companies trying to get them to send me info showing that the accounts are mine. 
They sent the account to a collection agency XXXX XXXX. I paid the balance due bc I needed my credit fix with XXXX XXXX. I told XXXX XXXX  that even though these accounts are not mine I am willing to pay so I can better my credit. I paid the express store card from comenity bank and the Victoria secret store card from comenity bank. I keep disputing with express from comenity bank and Victoria secret from comenity bank, and they dont respond or send anything validating the accounts are mine at all. I been disputing this with these companies for a long time now. If they cant produce paperwork indicating these are my accounts then they need to remove these accounts from my credit report.
Product: Checking or savings account

Attached is the Ally Bank 24-7 Chat transcript as evidence to substantiate my complaint. Today, I had approximately 30 minutes of my time wasted when I was refused assistance and answers pertaining to unlocking my bank account for my routine banking purposes. 

I was provided with insufficient information and ordered to call back during limited hours, contradictory to the " 24-7 customer service '' repeatedly advertised by this bank. I am now unable to access my funds and engage in routine banking. 

I have also called the " 24-7 '' Ally Bank phone number twice now, and no one is answering the phone lines at all. I am placed on an indefinite hold, and no one ever answers. 

I was misled by an Ally Bank representative earlier in the day when I was told that I could lock and unlock my bank account following a wire fraud alert earlier that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of this account in XX/XX/XXXX when I already had a fraud alert. I recently spoke to a representative who finally heard my concerns ( last week XX/XX/XXXX ) and she went through the account ( no other representatives did this ). She let me know the email and number that was created with the account. My mother XXXX XXXX made herself a card user after making the account with my social. Ive stated to multiple representatives that I just graduated high school in XXXX and would have no knowledge of the credit pull. XXXX XXXX has charged the account to my credit when this is identity fraud and is clearly seen from the account and the transactions. The representative also stated some of the transactions and I didnt own a vehicle or anything until XXXX which my aunt and uncle helped with due to issues at home, which I have proof of. This is FRAUD. I XXXX XXXX XXXX did not give consent nor make this account. Please remove this from my credit history or XXXX have to take legal actions on XXXX XXXX for making false claims. XXXX XXXX knows theyre in the wrong because I was never contacted, seen in person or given a signature for them to create this account. When you co-sign someone that individual has to be present to give consent Ive never done this or been aware of this account until this year when I myself pulled my credit history. I lived with my mother in my early XXXX so the fraud department keeps ignoring my claims of it being fraud since address are the same. They arent looking at the transactions or who is paying the card off ( I had no idea it was getting paid until I checked Experian, I dont have the account number or anything because I did not know of this account ) .I ask to please check back all recordings to XXXX XXXXXXXX because I give my social every time because again I had no idea of this account, Ive never had a XXXX XXXX account ever in my life. I also dont live with my mother anymore and have given my information to contact me in the investigation and they havent, Ive reached out myself every time. Ive also submitted several claims to CFPB, multiple police reports and multiple disputes with Experian. XXXX XXXX  isnt doing their job and its ruining my life because theyve closed and charged the account to my credit. Im a XXXX student studying XXXX ( just went back to school ), I dont have a credit card and havent had one since XXXX XXXX XXXX again I can show proof of this.
Product: Credit card

I received a letter from Chase Bank on XX/XX/2024 reducing my credit limit from {$2000.00} to {$800.00}. This doesn't make sense as to why this happened. I feel I have been discriminated due to race. How many other consumers with Chase is getting their credit limit reduced? I made my payments. I had fraudulently activity on my XXXX XXXX XXXX XXXX account. One of my payment was returned. So, I haven't had any late payments since. So, why would a bank reduce a credit limit for one payment. There is something wrong. I have never had a bank to do something like this to me. 

Please look into this matter. I have reached out to Chase and have gotten no place with them. 
XXXX. 
Chase Bank, XXXX XXXX XXXX, XXXX, DE XXXX
Product: Debt collection

On XXXX/XXXX/15 I contacted Senex Services Corp via phone at : XXXX and spoke with XXXX regarding a debt that was paid and still being reported to the XXXX main CRA 's as in Collections. Over the course of XXXX separate phone calls with XXXX I was informed that the debt would not be removed from my Credit Report unless an additional {$100.00} was paid. I informed XXXX that I have a letter dated XXXX/XXXX/15 documenting and confirming the account was satisfied and that my obligation to Senex was complete. When I asked to speak with a supervisor or manager I was told they were unavailable and I was asked if I was going to pay the {$100.00} or not? When I refused, I requested documentation that I owe {$100.00} or why I would need to pay this in order to have it removed from my credit report. I was informed that Senex does n't have the time to generate a letter and would only provide a receipt for the {$100.00} payment in XXXX days. When I kept disputing, XXXX informed me that after speaking with Manager : XXXX XXXX, authorized her to accept {$80.00} from me. I again asked for documentation, I was denied any such. I asked to speak with a Manager and I was told one would call me back but it might be a while. I informed XXXX / Senex that I believe this is illegal under the FCRA / FCDP and that I need something in writing from Senex. They refused repeatedly unless this $ XXXX {$100.00} was paid. Attached is the letter from Senex documenting my debt / obligation of {$300.00} is satisfied.
Product: Money transfer, virtual currency, or money service

I received the check from my Mortgage after I sold the property. And they send me refund under my legal name on the check. Also my girlfriend and my aunt name. But there no longer living in Colorado after I sold the house. However I deposit the check into my account. And bank manager or banker was saying me bring other 2 people. But I explain to bank there not in Colorado anymore. But you have already verified my driver license name on the check. And it is match. However bank is not released the check. So I requested the bank. Can you return the check. And bank said no were not able to return. So I said this is not correct. Even I m presenting myself. So And verify. And still not released or retuning the check.
Product: Checking or savings account

In 2020 I contacted bank of America after noticing my account had - {>= $1,000,000}, I was told someone used my bank card at an atm and tried to get money off it. I told them my card was stolen and they notified me that nothing was taken, I wasnt seen on the camera and I was cleared of suspicion through a form of a letter. Three years later I am on the XXXX list for banking what should have been declared identity theft was claimed as fraud. I have gone to the physical bank and talked to phone agents, spoken to the police and consumer agents to get advice and help. The bank has not complied and has gas lighted and lied in this situation. The dates they provided consumer agency and the physical letter I gave them proved that information was incorrect, though my disputes were denied and the bank isnt giving me the full information or the consumer agencies. I dont know what to do further without the banks help with details of information I cant get a police report. No money was said to be taken as told by agents via boa on the phone. The bank told me that they didnt have the data because it was over 2 years but they have invalid data to give saying I was fraudulent.
Product: Credit card

Subject : Urgent Request for Assistance : Unjust Closure of Capital One Credit Card Account Affecting Credit and Home Purchase Dear Consumer Financial Protection Bureau, I trust this message finds you well. I am writing to bring to your attention a critical matter involving the abrupt closure of my Capital One credit card account due to two returned payments. I am deeply concerned about the impact this incident may have on my credit profile and my ability to pursue a home purchase. 

At the age of XXXX, I am earnestly working towards building a secure financial foundation, and the unforeseen closure of my credit card account has presented significant challenges. I believe that the consequences, particularly at this early stage of my financial journey, may be unduly harsh. 

I seek your intervention to investigate this matter and request that Capital One reevaluates the decision, considering the potential ramifications on my creditworthiness and the defamation of character implications. My primary goal is to rectify this situation without any lasting impact on my credit record. 

Enclosed with this letter are pertinent documents, including account statements and related communication with Capital One, to provide a comprehensive understanding of the situation. 

I sincerely appreciate your prompt attention to this matter and kindly request your assistance in ensuring a fair resolution that does not adversely affect my credit standing. 

Thank you for your consideration.
Product: Debt collection

Nationwide Recovery System XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Debt amount : {$1600.00} Debt Date : XX/XX/XXXX Hipaa regulations in the united states prevent my medical documentations from being reviewed or viewed by unwanted agencies or people. 

On XX/XX/XXXX I obtained my credit report and notice Nationwide Recovery System has reported or filed a debt on my credit file. 

Their is no valid information given only dollar amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting or other personal consumer reports

I sent a complaint regarding this issue why are you still not going anything regarding this issue I been sending my the dispute since last month here 's the lists XXXX  Account Number : XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX COMP Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to express my profound concern and disappointment regarding the handling of this attempt to remove fraudulent items. Despite previous efforts to rectify this issue, I am troubled by the persistent presence of fraudulent items. These recurring problems not only undermine the credibility of the process but also raise serious concerns about the effectiveness of the measures in place to prevent such occurrences. In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during this attempt to remove fraudulent items. Failure to address these issues promptly compromises the integrity of the process and undermines the trust. With this, I am asking for your assistance to remove the fraudulent items : 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
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT This letter serves as a formal notice of dispute regarding the inaccurate and invalid debt reported on my credit file by YOUR COMPANY.I am fully aware that this debt which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a fraction of its original value. I am invoking the arbitration agreement outlined on your companys website and the arbitration rules specified at adr.org. 

The initiation of arbitration will impose significant costs on YOUR COMPANY including filing fees, arbitration initiation fees, arbitration deposits, and potential legal expenses. The cost to initiate arbitration alone exceeds {$3000.00}, with the total expenses likely reaching tens of thousands of dollars. 

Given these considerations and the severe mental distress, anxiety, emotional distress, and financial hardship this situation has caused me, I am extending a one-time opportunity to settle this matter amicably. My demands are as follows : 1. Payment of {$6000.00} to compensate for the damages incurred. 
2. Immediate deletion of this trade line from all credit reporting agencies to which it has been reported. 

Settling this matter as proposed will allow YOUR COMPANY to avoid the substantial costs associated with arbitration. Failure to resolve this matter amicably within 15 days of receipt of this letter will leave me no choice but to proceed with arbitration, incurring the aforementioned expenses for YOUR COMPANY. 

Additionally, I demand that XXXX XXXX XXXX cease and desist all illegal activities, including contacting me through any medium other than mail. Under 15 U.S. Code 1692c ( c ) : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt This letter serves as your official notice under 15 U.S. Code 1692c ( c ). All further communication must be in writing and sent to the address provided Below as well as the arbitration agreement attached You have 15 DAYS to respond to this settlement request. Failure to respond or provide a satisfactory resolution will result in immediate arbitration proceedings. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A Company named Operating partners LLC and XXXX XXXX XXXX XXXX sent me [ XXXX/XXXX/2015 date I received the letter ] to collect a debt for XXXX XXXX XXXX for the amount of XXXX. Following that the same date I proceed to dispute the whole debt i did'nt recognize because does not belong to me and also started a dispute with all credit agencies, because my personal information have been compromised by the information gap that affect the federal agency Customs and border protection regarding all its employees, contractors, retired personnel and candidates for employment and they inform me in writing. I 'm on identity theft and credit monitoring protection program paid by the agency as I said on my letter. After thaht a few weeks later they sent a letter without any date asking for all my personal and sensitive information to allegadelly taking care of my claim of suspected identity theft and started a claim for me. Obviously I did n't gave them my information for my own protection. I proceed to sent them a XXXX letter dated XXXX XXXX 2015 to sent me written verfication of the debt with all the information they have and caliming them that I have asked for this information because I have some questions. I need more information to make an informed decision about your claim, In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute, record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. I used a sample letter from the CFPB website to set my rigths under the FDCPA saying them " Tell me more about this debt. '' They never annswer my letter and sent me any of the information I requested. I called twice and put me on hold and then they hang up. Yesterday I received court papers because they sue me on a district court here in XXXX XXXX and I have to appear in court on XXXX XXXX 2015, also on the court papers they put me as married person and I 've never been married. Now Im starting to filed a fraud alert on my credit report because of this situation and already filed a case with a company named XXXX XXXX ID that monitored my credit and intents of identity theft to protect myself and information and investigate thanks to this program I discover thaht this debt is a credit card because they did n't gave that information either
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and XXXX 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 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 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts listed below has violated my rights. 

15 U.S.C. 1681b ( a ) ( XXXX ) states any consumer reporting agency may furnish a consumer report WITH the written instructions of the consumer to who it relates. 
15 U.S.C. 1681b ( a ) ( XXXX ) states a consumer reporting agency has to respect consumers rights to privacy. 
15 U.S.C. 1681c ( a ) ( XXXX ) ( XXXX ) states consumer reporting agency can not make any reports containing accounts placed for collection or charged to profit and loss. Any other information other than records of convicted crimes. 

Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX Solutions XXXX XX/XX/XXXX
Product: Credit card

Opened a discover credit card to take advantage of an interest free balence transfer of 2 credit cards we had to pay them off. 
We gave our daughter a card so she could use it if she needed gas or groceries as she was in the middle of a divorce. 
Our first bill arrived with XXXX and XXXX XXXX charges that we never made.Also there were payments on the card that we did not make! We put a freeze on the account on XX/XX/XXXX But Discover stated the freeze was taken off the same day! 
We reported fraud to Discover and they started to investigate. Discover sent a list of transactions they believed to be fraud and ask if these transactions were ones we disputed and to cross off any that were legitimate. I verified these over the phone at XXXX with discover security agent XXXX in XXXX. She said all these would be taken off my account. 
But I received a letter from discover XX/XX/year> stated they concluded no fraud. They also stated they are sending me a new account so I can pay over {$23000.00}. to Discover on a credit card that had a {$10000.00} limit! Please help there is no way I can pay this nor should I be forced to since most all of these transactions were fraudulent!
Product: Credit reporting or other personal consumer reports

Their are address on my credit card report I never lived at have problems getting it removed. Also things on my credit report Im trying to dispute is not coming off they gave me a answer with in 1 hour that it will not be removed the investigation wasnt long enough and went through fully