23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 I received notification from the credit monitoring bureaus that I have a collection account on my report for {$700.00} for unpaid rent for my time living at XXXX XXXX between XXXX. The collection agency is FCO-Fair Collections and Outsourcing company at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. ( XXXX ) XXXX. 
I have never owed rent, all my rent were paid timely. Additionally I am in the state of NY and I was never taken to court by XXXX XXXX for the so-called unpaid rent, nor do I have any judgement for such an amount. This is a fraudulent charge by this company with fraudulent business practices. This company has harassed and tried to bully me in the past by repeatedly sending me texts and calls all hours of the day and night. Their calls/texts would start as early as XXXX and as late as XXXX with no exception regarding the day of the week. These disturbing calls and texts stopped only after I told them I would report them to the attorney general. I have enclosed the last text message received from them on Sunday, XX/XX/XXXX at XXXX. Their business practice are illegal, and has cost me getting denied for a new mortgage after placing an illegal collections account on my credit report, which dropped my score by XXXX points. I am writing this letter requesting your help with underhanded, fraudulent companies such as this. 
Thank you for your time and guidance on this matter, Sincerely, XXXX XXXX
Product: Debt collection

Subject : Formal Consumer Dispute Regarding Columbia Debt Recovery To Whom It May Concern, I am writing to formally dispute the reporting of an auto loan account by Columbia Debt Recovery on my consumer credit report. This dispute is based on violations of my rights under the following federal laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has not provided the required validation information for the alleged debt. Despite this failure, they have furnished and continue to report this account to consumer reporting agencies. This is a clear violation of the law.

2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been given an opportunity to dispute this account. The agencys failure to provide proper notice has deprived me of my right to dispute the validity of the alleged debt before it was reported.

3. False, Misleading, or Deceptive Practices : The agency has engaged in practices that are false, misleading, and deceptive in their handling and reporting of this account. Such behavior violates the Fair Debt Collection Practices Act ( FDCPA ).

4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) : The agency has no authority to report this account to any consumer reporting agency without first providing all disclosures required by law. By furnishing information without complying with these requirements, they are in direct violation of these regulations.

Request for Immediate Action I am requesting the following actions to resolve this matter : 1. Immediate Deletion of the Auto Loan Account : Remove this account from my credit report as it was reported unlawfully.

2. Proof of Validation : If the agency believes the debt is valid, provide all validation information required under federal law.

3. Cessation of Reporting : Immediately stop reporting this account to consumer reporting agencies until all legal requirements have been fulfilled.

Timeline and Legal Remedy Please resolve this dispute within 14-30 days of receiving this letter. Failure to comply with these demands may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I reserve the right to seek statutory damages of {$1000.00} for these violations as provided under the FDCPA.

Thank you for your prompt attention to this matter. I look forward to your written confirmation of the resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I have been harassed by phone and mail by a company titled Financial Management,  XXXX XXXX XXXX. When I spoke with them by telephone several months ago they claimed there was an account opened in my name in XXXX Virginia by telephone. 

I don't have any business in XXXX Virginia. I explained to the representative that I was a documented victim of identity theft and that they needed to send me all the information they possessed regarding this account. 

They never sent me anything and now they are reporting this to my credit bureau report and preventing me from obtaining any credit and I do not owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company LIED on my behalf and does for others. They claim on my behalf that I was a victim of identity theft, which I was not! I am attached a letter they sent on my behalf. That place should be SHUT down!
Product: Credit reporting or other personal consumer reports

I have ( XXXX ) variations of my name on the Experian report credit file. I have contacted them various times as well as sent them a letter for correction. I'm not understanding why Experian will not update my personal information correctly.
Product: Credit card or prepaid card

I'm a consumer/natural person. I extended credit to Target for my XXXX XXXX at the customer service desk on XX/XX/22 in good faith pursuant to 15 USC 1691 ( 3 ). Target is one of my favorite stores, and I was so excited to shop for grad and dad season! It blew my mind when the associate printed a receipt that a transaction had taken place according to 15USC1602 ( l ), but I had not benefitted from it at all. As a matter of fact, she did not give me a security instrument to purchase with open-end credit, but a slip of paper that said my application required further processing. 

This really frustrated me because I am aware credit can only be denied a consumer in cases of insurance or employment. This transaction had nothing to do with either. My face became hot and flushed. I felt so ashamed and dejected while walking past the other people shopping with smiles and enjoying themselves. I could not figure out what I had done wrong. 

Target sent a communication dated XX/XX/22 with the Target logo on the envelope and the enclosed papers that confirmed adverse action was taken against me. That's illegal! Target knows, or should know, that they have violated my rights. The audacity!
Product: Credit reporting, credit repair services, or other personal consumer reports

Tranunion, XXXX, & XXXX, continues to report 2 dismissed XXXX XXXX bankruptcies and a XXXX XXXX Bankruptcy case on my credit report and refuses to remove them as bankruptcies are not reported by the bankruptcy court and they use a third-party data mining service to find public records to add them to credit files. Per law items on credit reports are required to be reported by the actual date furnisher and the Bankruptcy court does not verify any bankruptcy disputes as they do not repot and when disputed Transunion does not send a dispute letter to the court just their third-party data furnisher that shows there is a public record that exists. 
Case Numbers XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Please remove these items from my file. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX.
Product: Student loan

On XX/XX/XXXX, I found myself unemployed. By the middle of the month, XX/XX/XXXX, I realized that I ( probably ) wouldn't have a job on XX/XX/XXXX, so I called all of my student loan holders and request that my loans be put into forbearance until XX/XX/XXXX. 
XXXX XXXX and XXXX XXXX were able to process this request and I was approved on the spot, as my payment history is flawless. 

Flawless, too, is my record with XXXX XXXX XXXX. HOWEVER, they were unable to process my request due to " an issue in the system, '' and they promised to call me back the next day. They did not, so I called on Friday the XX/XX/XXXXand was told 1 ) that they would take me off of auto-pay so to avoid overdraft. 2 ) they are still unable to put my loan into forbearance due to the same system error. 3 ) they recommended that I simply NOT MAKE A LOAN PAYMENT instead of entering forbearance. 4 ) they have submitted my application and would call me when I was approved. 

On point # 1 - I was lied to. When I logged in, my account was still set to auto-pay in the first week of XX/XX/XXXX. 
On point # 3 - My concerns about what this would do to my credit rating were dismissed outright. 
On point # 4 - Please see below. I was lied to again. 

My next level of communication was through the website mailbox system. The response I received was that I need to call in to get my loan status changed. 

So I called today, XX/XX/XXXX and was told : 1 ) No one had *started* a forbearance request. 2 ) I should simply not pay my student loan for 60 days. 3 ) The forbearance request will be started and my auto-pay will be cancelled today. 4 ) Putting my loan into forbearance will accumulate so much interest, and increase my monthly payment amount that I'm better off just making payments when I can. 

And then I was " transferred '' aka hung up on ... so I doubt that my friends at XXXX XXXX XXXX processed anything on my behalf.
Product: Credit reporting or other personal consumer reports

XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Navient account ( Account Number : XXXX ). The report lists a balance of {$1700.00}, balance updated XX/XX/XXXX, original balance of {$1900.00}, paid off 11 %, $ 0 monthly payment, account opened on XX/XX/XXXX, last payment date of XX/XX/XXXX, terms 300 months, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 I called Bank of America customer to inquire mobile deposit cashier check of {$18000.00}. 
the customer service rep said must go to a branch, I can not go to the branch because hours were reduced to XXXX XXXX XXXX I work during those hours. I asked if the branch atm ok he said yes. no mention they would put a 10-day hold on the cashier 's check. 
XX/XX/2024 called the bank and spoke to supervisor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Bank of America states the policy is 7-10 days to hold any deposits over {$5200.00} no exceptions. She could not answer the question of what determines a 7-day hold vs a 10-day hold. I told her If I knew the bank would put a 10-day hold on the cashier check I would have deposited the cashier check into my credit union account I would have had access to the funds within 48 hours.

Can the bank do this by putting a 10-day hold on a Cashiers Check?
Product: Debt collection

Previous complaint ID :   XXXX   Previously, I had compained that Machol & Johannes had sent confidential material to a third party. Their response at the time was that they had to do so because it was required by law to send it to my physical address. However, since then, I have been able to review past court documents and can prove that Machol & Johannes VIA THEIR OWN CERTIFICATE OF MAILING that they were able to send materials to my   XXXX   XXXX   , which is where I get my mail.
I discovered that they sent this confidential information to my father right after trying - and failing - to garnish his bank account. I believe they were either trying to trick him or delay my ability to respond to the garnishment.
New complaint.
That 's related to my current complaint : They just simply did n't send the required legal notices this latest time they levied a bank garnishment. They did that on   XXXX    XXXX , 2017. I discovered via court records that they filed related documents. But this time there was no Certificate of Mailing because they did n't send me anything - I found out about the garnishment from my bank.
I have been doing research and the company has a long history of such practices.
Product: Credit card or prepaid card

I am writing because I need immediate action from CARE CREDIT. Your company has allowed fraud to occur and I need it to stop right away. I reported identity theft with the police on XX/XX/2019. I put a credit freeze on my identity with all credit bureaus. I have done all in my power to prevent these actions from occurring. After all of that stress, I got a letter in the mail from Synchrony Bank/ Care Credit that is dated XX/XX/19stating that they are unable to approve my instant credit request due to the freeze from XXXX . That means that even if your company does not do background checks on adding authorized signers to accounts, your company still had run a credit check on me and found a freeze, and then still allowed my identity to be added to FIVE ACCOUNTS ( That I know of ) on XX/XX/XXXX which is when I was alerted by the credit bureaus. I had ZERO notification that I was added to any account, there were no emails, phone calls or letters in the mail to confirm this. It is wildly inappropriate and negligent to allow someone to be added without their consent, and much less without even notifying them. I still would not know that I was added to the accounts had I not had the previous fraud and credit score notifications. 

Furthermore, how could you allow someone ( or multiple people ) to add me as an authorized user after seeing that there was a freeze on my account? It is very negligent and irresponsible to add authorized users without a credit check or any notified consent of the user. To reiterate, to this day, I have not been notified from Care Credit or Synchrony Bank that I have been added as an authorized user on five different accounts. Also, adding five accounts for one person in a short period of time is highly suspicious and your company should be doing more to prevent fraud. 

As you can imagine, all of this has caused a great deal of stress - emotionally and physically. Additionally, it has affected my job because Ive had to take time away from clients to make numerous phone calls to your company, fraud alerts, the credit bureaus, social security offices and the police. Some of these calls have taken more than an hour each time. 

I am requesting a statement from your company that states : I am a victim of fraud, that I will never be added to any accounts in my own name or as an authorized user, and that my name has been successfully removed from all accounts. 

If I do not here back in 15 days from this complaint ( XX/XX/XXXX ), then I will be seeking legal action.
Product: Payday loan, title loan, personal loan, or advance loan

I have applied for a loan at Transform Credit and everytime I put that I have XXXX rent to pay on my home and that I have a co-signer for the loan I'm have denied the loan by Transform. Being denied for the loan is not fair because I don't have rent to pay.
Product: Debt collection

I called XXXX XXXX  to report identity theft. An overwithdrawn amount was sent to collections that I did not know about. I have been trying to dispute with XXXX XXXX  debit for my checking account and had no chance to dispute it with the collections agency because I had no idea it existed. 

Someone tried to cash checks in my name. Overwithdrawn by XXXX and sent to collections.
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 all 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 me 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 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 card

I WAS IN XXXX FOR VACATION IN XXXX, MY XXXX WAS STOLEN ( PICKPOCKETED ) IN THE XXXX. I HAD TO CARD LINK TO MY APPLE WALLET, THE APPLE CARD, AND THE XXXX XXXX CARD. THE THIEVES HAD ACCESS TO MY APPLE CARD AND MADE 4 " PURCHASES '' FOR THE AMOUNTS 1 ) {$480.00} 2 ) {$480.00} ) {$1200.00}, 4 ) {$1200.00}. THEY ALSO HAD ACCESS TO MY XXXX XXXX CARD, BUT THE COMPANY RESPONDED PRONTLY. I FILED A COMPLAINT THE NEXT DAY, CHANGED MY APPLE ID, REPORTED THE PHONE WAS STOLEN SUSPENDED MY APPLE CARD. THE GOLDMAN SACHS BANK " INVESTIGATED '' MY COMPLAINT AND THEY CHARGED BACK TO MY CARD THE FRAUDULENT CHARGES. I COMPLAINED ONCE MORE BUT THEY ARE ONLY INVESTIGATING XXXX OF THE 4 CHARGES. I TEXTED THEM VIA THE APPLE APP, ASKED TO TALK TO THE FRAUD DEPARTMENT, THE PERSON IN CHARGE, THEY DID NOT GIVE ME ANY INFORMATION, I ASK FOR THE BUSINESS THAT CHARGED THE FRAUD, NO EXPLANATION, I ASKED TO SEE THEIR RECEIPT, WHAT CITY IS THIS BUSINESS FROM, WHAT TYPE OF BUSINESS IS, IF THEY HAVE MORE COMPLAINTS, ABOUT THEM OR THERE ARE REPORTS OF THAT BUSINESS AND THEY DONT PROVIDE ANY INFORMATION.
Product: Debt collection

This Company has an Alleged Debt and is Reporting my private information that is not Verified and or Accurate and is in Violation of the FDCPA and the FCRA federal Laws, this name is also a COPYRIGHTED name and has Legal ramification.
Product: Checking or savings account

So I bank with Chime and normally when a transaction is being authorized they will send me a message detecting fraud and I have the option to type Yes or No that I did not authorize that transaction. Well this particular transaction I messaged them back No that I wasnt the one who authorized this transaction and the money was still taken from my account. I appealed it, even sent them the screenshot of the text message that I sent No when asked if I authorized the transaction and they still said they didnt see any fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

No collection account should have Late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between XXXX  XXXX and XXXX XXXX the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. I would like the aforementioned information to be deleted pursuant to the law mentioned in the above sentence all late payments, and or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of this year, I filed a complaint against you regarding the LVNV account ( XXXX ), which is a supposed collection account. I have requested validation on several occasions ; however, I did not receive satisfactory responses that would demonstrate I am the legitimate owner of this debt. According to my credit report, this account is only reported by XXXX and XXXX, while XXXX does not recognize the account. The other two bureaus vary their reports, presenting it with name variations, which is a violation. According to my research, the FTC states that credit reports between the bureaus must match completely and not partially. This situation leads me to believe that the account does not contain accurate information. Therefore, I requested its removal from both the bureaus reporting it and the collection agency registered in my report. During my previous complaint, the company responded with a compilation of information that supposedly validates the account ; however, they can not legitimately prove with certifications that such notices were delivered to menotifications I did not receive. In any case, the mere fact that the information in the credit bureaus ' reports is inconsistent is more than enough reason to remove this supposed collection.
Product: Vehicle loan or lease

I REQUSTED additional information about the additional fees that the said was mandatory but after investigation it was not. interest rate was too high accordinlgy to my credit at the time. Charges was suppose to include insurance and was not. Copy of the title was not mailed to me was suppose to be the original they send a copy. I asked for proof they still owned the loan and that was not provided etc. My Warranty was not honored no where but the initial dealership. they did not honor their own in house warranty which is all in the documents listed
Product: Vehicle loan or lease

Account opened XX/XX/2015. No Account number is XXXX .I sent ally financial affidavits showing the car loan showing as a charged off account was a identity theft account. It was obtained by my sister XXXX who had access to my information. I had officer statements showing I do not I've in XXXX  XXXX where car was bought, as well as my sister 's statements to officer thst she used my name to obtain things such as police report, I'd theft report which states legally they must remove from 3 credit reports. My attorney said do this last and if it remains he will file suit in my local court to file suit and make them remove it.my sister trader in a car to get this vehicle from XXXX XXXX  and XXXX immediately removed it within days. My social security number is XXXX I have my credit reports frozen so it's fine.