23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a notification from Columbia Debt Recovery LLC regarding a debt allegedly owed to XXXX XXXX. The debt claimed is false, as it pertains to charges for a lease I fully paid and fulfilled. 

XXXX XXXX : XX/XX/XXXX : I paid {$2400.00} to cover rent for XX/XX/XXXX to XX/XX/XXXX as reflected in my bank statement ( PROOF 3 ). 
XX/XX/XXXX : I provided my official move-out notice to XXXX XXXX 
XX/XX/XXXX : I moved into a new apartment, as shown by the signed lease ( PROOF 1 & 2 ). 
XX/XX/XXXX : My lease with XXXX XXXX  officially ended. 
XX/XX/XXXX : The XXXX XXXX  leasing manager confirmed via email that I had vacated the apartment, which disproves Columbia Debt Recoverys claim that I stayed until XX/XX/XXXX ( PROOF 6 ). 
Columbia Debt Recovery claims my move-out notice was given on XX/XX/XXXX, and that I owed rent from XX/XX/XXXX to XX/XX/XXXX. This is incorrect, as I vacated the property on XX/XX/XXXX, and there is no basis for these charges. I have provided documentation proving my payments and move-out date, including email records and receipts, but the debt collector continues to demand further information without resolving the matter. 

Despite multiple requests for debt validation, Columbia Debt Recovery has failed to provide any proof of the debts legitimacy. 

There has been no evidence of any notices, letters, or emails written to me about any debt I owed to XXXXXXXX XXXX 

They attached a bill to my leasing contract, but the bill was not signed. And again, I was never mailed the bill. They failed to provide any evidence that it was ever a real bill. 

These actions have caused undue stress and potential harm to my XXXXredit score. I respectfully request that the companies involved review the provided evidence and take appropriate action to resolve the dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX Dear [ XXXX ], I hope this letter finds you well. I am writing to formally dispute certain inaccuracies that I have identified in my credit report, as provided to me by your agency. I believe these items are in violation of the Fair Credit Reporting Act ( FCRA ), specifically the provisions outlined under 15 U.S.C. 1681i, which requires credit reporting agencies to ensure that information in their files is accurate and complete. 

The items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, this letter, and if you fail to verify the accuracy of this information, you must remove it from my credit file. 

Relevant FCRA Legal References : 15 U.S.C. 1681i ( a ) requires that upon receiving a dispute, the credit reporting agency must conduct a reasonable investigation, free of charge, and correct or delete any inaccurate or unverifiable information.

15 U.S.C. 1681e ( b ) mandates that you ensure the information you report is accurate. 
15 U.S.C. 1681c-1 prohibits the reporting of outdated information beyond certain time frames ( e.g., seven years for most negative information ). 
I request that you investigate the following items and update my credit report accordingly. Please also send me a copy of the updated report once your investigation is completed. 

If you are unable to verify the accuracy of the disputed information, I request that you remove it from my credit report in accordance with the provisions of the FCRA. 

Thank you for your prompt attention to this matter. I look forward to receiving your confirmation that my report has been corrected, or the items have been deleted. 

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

In XXXX XXXX XXXX XXXX  stopped reporting to the credit bureau which caused my credit score to tank drastically. They have yet to report even after many attempts to get them to report. Credit bureaus will not allow you to report your mortgage even with verified payment from mortgage website.
Product: Checking or savings account

I'm baffled as to why a Bank would refuse a customer 's money, as I assumed that Banks are in business and stay in business by utilizing customer 's funds to conduct trades & make investments, and other transactions???... XXXXSouthState Bank , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX had at least five idle, available, nonchalant, dis-engaged employees who refused to serve one, solitary customer, who was not only the ONLY customer waiting to be served in that facility, but was the one who initiated contact with employee ( s ), in an attempt to get some attention and hopefully get served.

The customer eventually spoke to two employees, and was told by both to have a seat, and as the customer waited for a long while and decided to continue waiting- and while waiting - observed two different employees walk past him [ within touching distance ] ( without saying a word to him ), causing the customer to wonder if this was really happening, if he was really being made to feel invisible & unwanted. The customer sat a little longer until realizing that the two employees behind the glass door ( who were entertaining each other, laughing & giggling the whole time ), simply had other priorities.

The branch manager even walked past the Customer without asking if he needed or wanted any assistance. He eventually realizes that his business is not welcomed at this particular branch, and decides to leave. Upon exiting the front door, he was again encountered by two employees who never uttered a word or acknowledged his presence. 

Customer entered the Bank without being acknowledge, served, or looked at, and left the same way.
Product: Money transfer, virtual currency, or money service

Recently, I received a text message inquiring if I had used my card in New York, which I had not, as I reside in California. I promptly contacted Citibank through the number provided on my card to report this incident and was advised to close my account and obtain a new debit card. 


Subsequently, I received an email notification about a {$1000.00} transfer that I did not authorize. Despite my prompt denial, the transaction was processed. Following this, an additional {$1800.00} was wired out without my consent, resulting in a total loss of {$2800.00}. At no point did I authorize these transactions, nor have I provided my information to anyone who might have done so. 

Citibank has, thus far, refused to return my funds. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the following items inaccurately XXXX see enclosed ). This violates the FCRA.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their their advertised promises.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ok XXXX XXXX XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Re : XXXX Dear LVNV FUNDING LLC, I am writing to request validation of the debt referenced above, as provided under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I dispute the validity of this debt and request that you provide the following information : XXXX of the Debt : A detailed statement showing the amount of the debt and an explanation of how the amount was calculated. 
XXXX XXXX : The name and address of the original creditor, as well as any records or documentation pertaining to this debt. 
Proof of Ownership : A copy of the original signed agreement or contract that substantiates this debt. 
Please be advised that, according to the FDCPA, you must cease all collection activities until this information is provided. Furthermore, please ensure that any negative information reported to credit bureaus regarding this debt is updated to reflect this dispute until proper verification is received. 

Please send the requested documentation to my address listed above. If you are unable to provide verification of this debt, please confirm in writing that this debt is invalid and that you will cease all collection activities. 

Thank you for your attention to this matter. 

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

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Delete Late Payments 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Delete Collections 15 U.S. Code 1692 ( g ) Delete Charge Offs 15 U.S. Code 1681 ( c ) 2 Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Product: Debt collection

After reviewing my credit report I have found information, which needs to be corrected. I originally disputed a collection account from AFNI with Equifax because it was being reported as a collection with a balance. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report due to the XXXX being discharged in my Chapter XXXX bankruptcy. AFNI changed the account to a XXXX balance, but continues to report it as a disputed account, which when run through credit algorithms still projects negatively and effects my credit rating and respectively the percent of interest I am charged for credit. I am requesting that the item be deleted to correct the information. I am also enclosing a copy of my discharge of debtor form following completion of my Chapter XXXX bankruptcy, discharged on XXXX XXXX, 2014. 

The original account AFNI was illegally attempting to collect on is as follows : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Amount of dispute - {$240.00} Reference # XXXX Collection attempts on a discharged debt is a violation of the FCRA and a violation of the permanent injunction of my discharge. Thank you for your assistance with this matter. 
Here is the contact information for my bankruptcy lawyer : XXXX XXXX XXXXXXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Fax : XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Sometimes late XX/XX/2021 or early XX/XX/2021, XXXX XXXX from Union Bank XXXX XXXX, CA XXXX told me specifically, that if I were to open a Union Bank Freely Rewards Visa credit card AND have a balance transfer of at least {$1000.00}, I would receive a bonus of {$100.00} plus additional XXXX XXXX  if I put the reward bonus back into my checking account. 

I kept waiting for the reward points to show up in my account for XXXX months, only to find out that I have been LIED TO by this person or institution. When I called today to both the branch office and the XXXX number in the back of the credit card, they told me that the promotion was only for customers that spend at least {$1000.00}, instead of doing a balance transfer of at least {$1000.00}. 

In fact, they blamed me for not reading those many pages of the disclosure provided, when I opened the account, instead of relying on the word of their associate. 

Yes, I could have read all those pages in detail, but in my past experience dealing with other financial institutions, words from the associates are always aligned with the promo. 

Apparently, that does not apply with Union Bank, where you can not trust the associates, and when you as customers become a victim, they will not right the issue and instead just to blame you for trusting bank 's associates.
Product: Credit reporting or other personal consumer reports

I noticed with the 3-consumer reporting agencies are not reporting my tradelines like they are supposed to. I noticed that they haven't reported since XX/XX/2023. I called all of my credit card company, and I was told that they are reporting to the 3-consumer reporting agency. They are not responsible when the consumer reporting agency report the tradeline.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I went info an dealer auction in XXXX , county, CA. The sticker pricewas {$10000.00} during that time my contract was reworked and ripped up 3 times. I was then to pay {$320.00} per month. Each and every month XXXX began charging me for excessive amounts up to {$580.00} per month and no justification for increase. This was a XXXX XXXX XXXX.I was constantly overcharged repo my car once by error and they kept my money. Also several times charging me numerous late fees up 3 times in one month. They kept on over billeing me I kept paying them then finally they threaten to repo and they came and took car while I was asleep, gave me no notice to claim car back they kept car and money. I then moved to XXXX, ca and while there a year, or more I could not commute then moved to my mothers house. One day I received a note from a forwarded mail, saying I was going to jail if I did not pay them from XXXX office i called and spoke with a rep who threatened me and cursedme out. I then called the sherriffs they said no knowledge of any warrant in their database none existed. Just last week I found out a bench warrant issued for XXXX in court which I had not been served. I worked 12 hour shifts and was not living where they claimed they served me. They lied to court commited perjury against me. I then discovered warrant has been issued in XX/XX/XXXX. yet XXXX harassed me way before then, told me pay or they were putting me in jail. Discovered recently that a judgement had been issued for {$2000.00}. Then, K street Finance never heard of them reports that I owe them apparently they are affiliated with XXXX but my contract is XXXX. They gave me eraseable ink contract now saying {$14000.00} was original amount when XXXX was correct amount. Their judgment was issued while I was not notified of court. Also after they recieve judgement they applied for 4 insurance clsims that I put in for to repair they paid deductible then applied the money to lan never fixing the truck, they rceived over {$5000.00}. They owe me. they refuse to stop reporting on my credit even told XXXX  and bureaus I requested a credit line and I did not and the began reporting thta I owe {$5000.00}. to them nd they wrote XXXX off and they collected XXXX in insurance after the judgment under my name. They also are in a clss action named XXXX Vs, > K street finance regarding illegal repos. They then began not serving individuals and getting automatic judgements to prevent members from claimimg money from class action lawsuit. I am sick of them reporting bad info on my credit I have disputed them over 10 times and they keep adding money to my account increasing balance and interest is wrong also. They took insurance meant for car repair and kept and applied to loan. before the repo they took one payment for bumper damage of {$600.00} did not fix vehicle. I am tired please stop them from doing this to me and others. XXXX XXXX is located in XXXX XXXX, CA nothing but crooks. They also force placed insurance 2 policy yearly in one year and over chged me again
Product: Credit reporting, credit repair services, or other personal consumer reports

Well the collection agency has on there like it is a new. listing or whatever when it first became delinquent and XXXX and they put it down there like it's XXXX so it will mess my credit up even more and they will not fix the issue I reported it to XXXX I reported it to XXXX and Experian and not one of them has fixed the issue they say it is accurate when it is not and they're telling me it will come off my record in XXXX and it's messing up my credit even worse than what it should be right now
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

in accordance to the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 sec 602 states ; i have the right to privacy, 15 usc 1681 sec 604a sec 2 ; states consumer reporting agency can not furnish account without my instruction, sec15 usc 1666b states ; creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.
Product: Checking or savings account

On XX/XX/XXXX I paid for ONE night at the XXXX XXXX in XXXX, XXXX. They charged {$170.00} and put a hold for {$540.00}. I demanded the hotel to take such an unreasonable hold off my account and the hotel repeatedly refused to do so. I called Bank of America the same day and the telephone representative who opened my claim # XXXX agreed that a {$540.00} hold for one night was crazy. The next Monday was a holiday so I waited until Tuesday XX/XX/XXXX to get a temp. reimbursement while the claim is pending. The claim is still pending yet Bank of America reversed the funds as of XX/XX/XXXX without noticing me. What is wrong with these people? What could the hotel possibly say to justify " holding '' {$540.00} for a guest who stayed a night and left without spending anything other that her overnight stay? What could possibly be the reason for BOA to reverse the funds in just two days without resolving the claim. I 'm sick of the bank 's abusive practices. I 've had enough. I respectfully request not just the reverse of the funds but a compensation for what they do. How many people do they do this to? 
Thank you for your attention Sincerely, XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy FCU credit inquiry on XX/XX/2022