23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by Genesis about an $ XXXX debt from an XXXX  in AZ. I let them know I live in WA state and the debt was not mine. 

They requested information & documents that they needed to clear up the confusion and told me if they got the info they would make sure to remove the debt from me and my credit would not be dinged. 

I asked them multiple times for proof they were not scammers trying to get my sensitive info, for proof of that the debt was mine, & for a secure way to send the requested documents & info. 

They ignored my requests and I assumed they were scammers. 

On XX/XX/XXXX, I got an email from genesis acknowledging that I claimed the debt was fraud. 

On XX/XX/XXXX I set an email letting them know I was working on getting the documents & police report and also asking them to provide proof they were not scammers, & a secure way to send our sensitive documents. 

On XX/XX/XXXX I sent an email because I realized they had dinged my credit which caused a house I was going to buy to fall through and later problems with a car loan. I explained our situation and that were were willing to help catch the person responsible, which they ignored completely. 

I figured if they were able to ding my credit, they were probably not scammers and asked again for a secure way to send the info they wanted to clear up the confusion. They ignored all attempts to get proof of debt, and a secure means to send my sensitive info. 

On XX/XX/XXXX, I sent the the requested documents and they ignored that as well as refused to remove the ding on my credit. They continued ignoring. I also responded to this email on XX/XX/XXXX with the police report number that had previously been supplied via phone call On XX/XX/XXXX, I sent an email reiterating that we had sent them the info they requested to clear up the confusion. 

On XX/XX/XXXX, I called genesis and I was told they would not speak to me about the debt they are trying to collect from me. They claimed they would only speak with an attorney they said was assigned to my case. I told them I had not hired an attorney to speak to them on my behalf. I asked the genesis rep to tell me what attorney was working the case, and he refused to answer. I emailed genesis to document the situation while I was on the phone with their rep. 

The representative continued to ignore my requests to talk about the debt, or the documents and police report case number that I provided for them in emails, he hung up on me. 

I would also like to note that the AZ XXXX  this debt stemmed from, did not run a background check or credit check before placing my name on their debt. All the signing was done online without any verification that was shown to me. They did not have my license, phone number or actual address etc... I told this genesis and they ignored it as they did everything else. 

If you have any questions for me, please call me XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After a detailed review of my recent credit report, I identified several unauthorized accounts that appear to be fraudulent.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 someone without my knowledge or permission used my personal info to try and obtain a payday loan. XXXX is no help
Product: Credit card or prepaid card

I did not authorize XXXX XXXX to automatically deduct Chase credit card for {$610.00} on XXXX21, for a timeshare promo week. I paid them {$290.00} for 4 nights to take the presentation. However, I was 5min late and they automatically deducted an additional {$610.00}. Since the room was not cleaned until XXXX at night, they refund {$200.00}. I called 4 times and ask them to refund my money that was taken, and I will take the presentation. I stayed with family in Florida another week. They said no, I have to be on vacation. Next, Chase say " I knew what I was getting myself into going on a presentation. '' I appeal the decision with a letter XXXX the day I signed for the presentation not saying anything about automatic deduction.
Product: Debt collection

The DOS was XXXX none of my hospital bills were NEVER SENT to my insurance XXXX XXXX XXXX XXXX the collection agency keep harassing me telling me to pay I try explaining that I never reciprocate the bills they were mailing to an old address the hospital also listed me as SELF PAY with all my insurance information on file I contacted the Hospital XXXX and they confirmed they never sent to XXXX!! XXXX contacted both hospital and agencies requesting them to put these account on hold on XXXX they have still been calling me and sending letters with new dates of open debts so they are still reporting as if this was updated debt whn two representatives spoke to me and the insurance company stating it was on hold the hospital billing department call me saying they pulled it from collection but the collection company called me after all these conversation with hospital and collectors still asking for payment I reach out to management team no reply
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX which was turned over to XXXX. The loan was opened in XX/XX/XXXX, and XXXX has been calling me about payments. A few days ago, the loan was put on my credit report as opened in XX/XX/XXXX. What is going on with this company? They have also bern calling threatening to sue my mother who consigned on the loan. Help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681.

XXXX ; account number XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Product: Checking or savings account

On XX/XX/2018 a {$400.00} withdrawal was made from my checking account from an ATM in XXXX XXXX, WA. On XX/XX/XXXX I saw the withdrawal while reconciling. I did not make this withdrawal, so I called Bank of America and cancelled the debit card, reported the fraud, filed a claim, and a credit was issued. Claim number : XXXX. In XXXX the credit was reversed and a " claim denied '' message sent with no details. I called Bank of America to ask why the claim was denied and was told no information is available beyond the town ( XXXX XXXX, Wa ), the name " XXXX  '' ( which means nothing to me ) and the date. I went into the XXXX WA branch office to speak to a representative and was told that no one in the office could help me. In fact that because it was fraud related, nobody could even talk to me about it. I needed to call of fax the fraud department. I called back and re-opened the complaint. I asked for 1 ) the time of the transaction, 2 ) the location of the ATM and 3 ) the reason the claim was denied. Roughly 1 month later I received another claim denied message with no information. I called the fraud tel # again. This time I was given a reason : my card has a chip so I must have used it myself or given the card to someone. They still could still not give me an ATM location or transaction time. I can prove I was not near XXXX XXXX on that date so I re-opened the claim. It's now XXXX and I have not received a response. From my perspective, {$400.00} was taken out of my account and Bank of America is refusing to provide the necessary information so I can pursue it.
Product: Prepaid card

I got 2 Pre Paid Debit Cards issued as a Reward by my Employer one for {$500.00} & Other for {$250.00}. The Cards Had an Expiry Date of XXXX. 

I did not use the cards before the expiry date and all the Funds ( {$750.00} XXXX in total - were unused and the cards expired. 

When i contacted the Issuer ( Citi Bank XXXX to ask about re-issuing the cards for the remaining amount - after deducting the applicable Monthly Maintenance Fees ( {$3.00} Per Month as outlined in the Service Agreement ) - i am being told that, the Balance Amount Can not be returned. 

The Card Holder Agreement Does not have a forfeiture class where in it is indicated that the unused funds will be forfeited after the expiration date. 

I am shocked upon knowing that i stand to loose {$750.00} - even when i am ready to pay the monthly maintenance fees. 

Can you let me know - what options are available for me to pursue recovering the unused funds - {$750.00} - and how to get this done? 


Sorry..I was out XXXX and hence ca n't attend the call. 

I talked with my employer and to the Citibank too. But they again confirmed that I wo n't be getting my money back. 
Thanks.
Product: Vehicle loan or lease

XX/XX/2022 the XXXX is XXXX, this is not my account, please remove it for my credit report
Product: Checking or savings account

XX/XX/XXXX I realized my debit card had been compromised ( since BMO took over Bank of the West ). Over {$500.00} worth of charges were on the card that I had not done. ( I used the card to pay bills, XXXX, XXXX ) but there were over {$500.00} worth of FRAUDULANT CHARGES THAT WERE NOT MINE. I reported it XX/XX/XXXX. I received a reply from BMO on XX/XX/XXXX listing the XXXX AND XXXX CHARGES that were being investigated. Progressing through XXXX, they credited my account randomly for charges not mine at XXXX, XXXX, etc. for a little over {$150.00}. THEY HAVE REFUSED TO REFUND MY {$330.00} FOR XXXX  CHARGES I DID NOT DO. ( I am XXXX XXXX XXXX XXXX XXXX  and if I want an order from XXXX 's, XXXX, XXXX XXXX, and others ... I get in my car and drive there. Most are less than 5 minutes away! Nothing has ever been delivered to my address where I have lived for almost 45 years. I do not do XXXX OR XXXX XXXX! ). I have called them over XXXX times and talked to XXXX different people ( a couple were very rude and a few of them did nothing but say " I am sorry ''. ) I have written their " FRAUD DEPARTMENT '' ( XXXX ) over 10 times begging them to call me and explain. Yesterday I finally had a supervisor named XXXX call me and said she had investigated and they were supposed to call me... ( when? '' no one knows when? ). She referred to " duplicate '' charges ... but none of these charges I am referring to our duplicates ... and they are ones that BMO actually listed on the letter they sent me XX/XX/XXXX. I just want my {$330.00} put back in my account... so I can pay off my credit card and leave this bank. ( Charges were attempted numerous times after this debit card was closed or there was no money in the account, so it didn't go through ). During this entire time, I was dealing with the loss of my husband, getting his accounts settled, court, etc. and was not getting paper statements to know what was happening. Losing my mind, I just kept putting money into the account and not asking for an accounting. This is a terrible way to treat XXXX XXXX TERRIBLE.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$4900.00} XXXX  XXXX XXXX Balance : {$25.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Account Name : XXXX XXXX BANK XXXX 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instruction 15 USC 1681 Section 602 A States i have the right to privacy
Product: Debt collection

This item was purchased by a third party debt collector. This account must be deleted as the status is not correct and amount was paid for less than owed by the Third Party Debt Collector. The accounts is highlighted below. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be deleted immediately Date opened : XX/XX/year> XXXX XXXX XXXX XXXX Balance {$880.00} Account Number : XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA so the accounts is not accurate or complete. I would like these accounts deleted please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX  : {$480.00}
Product: Credit card

I have an XXXX XXXX XXXX issued by Bank of America. It has a credit balance on it. I called today to have a check sent in the amount of the credit. The card ends in XXXX. I gave them my address for verification in full. I did not give them my birthdate but I did give them the CIC code. They were insisting that the code was on the back of the card and was XXXX digits. I said no it has always been XXXX digits for XXXX XXXX and is on the front of the card. They claimed that the number did not match. I was looking right at the card and read it twice. They refused to issue my check. The supervisor 's name was " XXXX ''. He refused to give me his last name. I asked the name of his company and he refused to give that to me. I asked what call center he was at and he said " Texas ''. I asked him the city and he refused to tell me. I asked if the call we being recorded and he said " yes '', " all calls are recorded. '' I told him he would be hearing from the Federal Government. I said, " I have given you my name. I have given you my address. I have given you the security code off of my card and the last numbers of the card. '' They wanted my birthday and the CIC number from my OTHER card. I said " no ''. 
I said I have given you my name, address, last digits of my card and the CI code and you will not tell me your last name nor your company, its address, or the city in Texas you operate from. '' He said " Yes, that 's correct. '' Please fine these people. If we need to talk on the phone, e mail me.
Product: Debt collection

I am writing to formally dispute the reporting practices of Jefferson Capital related to my account number XXXX. 

I have made multiple attempts to resolve this issue by contacting Jefferson Capital, including mailing a letter and making numerous phone calls ; however, I did receive a response but Jefferson Capital did not answer any of my questions and decline to remove the closed account off my report, The account in question has been closed since XX/XX/year>, yet Jefferson Capital continues to report that I am past due in the amount of {$1300.00}. 

This reporting is inaccurate and misleading. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e and 1692f, debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting an amount due on a closed account constitutes a violation of these provisions. 

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), a furnisher of information must not report inaccurate information to consumer reporting agencies. Jefferson Capital 's continued reporting of this account as past due is not only inaccurate but also harmful to my credit profile. 

In light of the above, I respectfully request that the CFPB investigate this matter and take appropriate action to compel Jefferson Capital to cease reporting this inaccurate information. I also request the removal of the negative entry from my credit report associated with this account. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 'annual free credit score ' link in your website XXXX XXXX XXXX XXXX leads users to a labrynth of links that ultimately do not resolve into a credit score unless you have a link map that will navigate the user through multiple 'enter your credit card ' pitfalls into something that will actually tell you what your credit score is. I know the agencies to whom I owe money. I just want to know if I can rent an apartment, buy a car, or qualify for a mortgage. Can we please just have a clear indicator of what our scores actually are? This is insane, seriously. This link is not a bridge to a free credit score. It's a shameless hand out to credit companies trying to talk responsible adults into taking out more lines of credit.
Product: Credit card

American Express continues to allow monthly recurring charges on my account. I 've called and complained on numerous occasions and I 'm told it will be investigated. Shortly thereafter the charge returns. Today we spoke to an American Express Fraud Representative and was told that although the original credit card that was used to open the account is no longer valid they continue to allow monthly transactions because it 's recurring and we gave them permission to do so in 2003. Please keep in mind that I 'm being charged on an old credit card number and the merchant does not have the exportation date, account number or security code. I 'm paying {$39.00} a month and this has been going on for years. When I call the company in question, the call gets disconnected or I 'm hung up on. The last time I called they wanted me to send them a copy of my driver 's license. There is no way I 'm doing that. I 'd really be in trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a card info in my credit report JPMCB CARD, which I don't recognize as mine. Appears a balance in my credit report shown as closed as a bad debt. There is no history of transactions reported and when i tried to contact the company to find out what was that they simple don't have an answer. I requested proof of purchase of something in the name of that card and received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XX/XX/XXXX, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 

Please note the below account is linked to fraudulent charges please delete asap : XXXX ac # XXXX please delete this accounts fraudulent charges.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, My husband I were shopping for new kitchen appliances. We ended up going to a warehouse where they sold appliances that had dents or scratches and would be sold to us at a discount. We found appliances we liked, filled out their " questionnaire '' for the line of credit and was approved. I was given a {$5000.00} line of credit based on my income ; whereas my credit would not be pulled or affected. My checking account information was given whereas my payment would come out every 2 weeks when I was paid. I spent {$4100.00} and agreed to pay {$340.00} every 2 weeks until it was paid off. 

On XX/XX/XXXX, I logged into my account ( for what I believe was the first time ) since I knew the loan was close to being paid off. Expecting only 1 or 2 payments left - I nearly had a heart attack when I saw I still owed more XXXX XXXX+tax!!! 

After digging deeper into the contract, I saw this was apparently a " 1-yr lease '' or " rent to buy '' which I was NOT AWARE OF. When I applied for the line of credit, and chose what to purchase, I was told what my payments would be, and when they would come out of my checking account ... THAT'S ALL! I did not know this is what I was signing up for. Furthermore, when I signed ( on the employees computer ) and made my {$50.00} deposit, I was not even given any disclosures or the contract - but instead was told that it would be emailed to me. In hindsight, the employee 's sales practices were aggressive and shady, and the whole process was utterly deceptive. 

On the same day XXXX XX/XX/XXXX XXXX, after finding all this out, I reached out to the creditor to explain the situation and spoke to ( 2 ) different agents and was basically told they couldn't do anything for me. All they offered was the payoff amount XXXX $ XXXX+tax XXXX at a 55 % discounted rate. 

I will disclose, the employee of the facility did mention trying to pay this off by XX/XX/XXXX for interest free - but that was all he said. I HAD NO IDEA this was a 1 year " rent '' obligation. I feel stupid and I feel cheated, and this is exactly why TILA was put into effect. 

I would like to pay off the loan - but I refuse to pay what they are offering seeing as it's completely unreasonable.
Product: Checking or savings account

Keybank XX/XX/XXXX {$280.00} they closee my account even though its not my fault this so calles friend jacked my wallet and without a XXXX and XXXX with a XXXX dollar sur charge and i havent recieved refund
Product: Credit card or prepaid card

I was approved for a Destinay credit card around XX/XX/XXXX, to date I have yet to receive the credit card. I called XXXX XXXX XXXX XXXX spoke with numerous representatives who informed me the credit card was delayed but could not tell me why. I checked my credit report and Destiny had already reported a balance of XXXX due. I also received the 1st billing statment showing an annual fee due of {$75.00} by XX/XX/2023. I asked the customer service representative to waive the {$75.00} fee because I do not have the credit card. She agreed to pnly waive {$10.00}. This is an embarrassment, why report a new trade line to a consumers credit report before they are in receipt or have activated the credit card. I have called and called and called just to be given the run around. This company needs to be investigated. I have seen numerous complaints abouth Destiny approving consumers for credit cards and failing to ship them out in a timely manner. WHAT A SHAME as I am a new customer with Destiny.