23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX sometime I was served for a judgement against me for Collection Professionals Inc. in XXXX  Wyoming. I did not receive any other type of communication from them explaining the debt I owe, how much, or to whom I owed. In XX/XX/XXXX they garnished my wages. I was unaware that they were going to do so because I didn't receive any type of communication once again from their company. I found out because the company I work for sent me something in the mail. They garnished around 400.00 dollars every two weeks. I had assumed I was finished paying my debt with this garnishment, because once again I received no communication from there company, and my judgement was no longer on XXXX, XXXX or XXXX credit reporting agencies as it was in the past.I recently received a notice in the mail from the company I work for that I was going to be garnished. This blew me away because I have still heard nothing from Collection Professionals Inc. I am a family of XXXX   and the only one working and due to recent health issues I struggled to work fulltime. I called Collection Professionals Inc. and explained my situation. The man I spoke with was rude and threatening, he told me they could not work with me and the garnishment would go on. I then asked how much I owed because I haven't received anything from them. He told me over 11,000.00 dollars. I knew something had to be incorrect, so I asked him if he could send me something in the mail in order for me to verify my debt. He said he would so I made sure he had my correct address. I waited for a week or so, and when I didn't receive anything in the mail from this company I went there to speak with someone in person. This time it was a female, I spoke to. I explained my situation and I asked if they could let me make payments instead of garnishing me so that my family and I could still survive. She spoke with her supervisor and said unfortunately I am stuck with the garnishment, she was nice and I could tell she felt bad. I then told her I still haven't received any type of communication showing how much I owe or to whom I owe it. She then printed me off some papers but indicated they were not very detailed so she would send me some in the mail as well. I waited and about a week later I did receive more papers in the mail from Collection Professionals. Most of my debt was medical and from XX/XX/XXXX, and because I can't afford an attorney I researched Wyoming Statute of Limitations. My understanding is that the debt is past the statute of limitations and they shouldn't be able to collect it. They last garnished me in XX/XX/XXXX and because it had been 4 years since they garnished me on this judgent it went dormant and they should be able to garnish me now due to the law in Wyoming. When I looked at papers I received from Collection professionals I didn't see where I had even gotten credit for my garnishment in XX/XX/XXXX. There are several things that are wrong with this whole situation, and now I was forced to work full time regardless of my health because of this garnishment and I still can't pay my bills because they are taking around 400.00 dollars out every two weeks.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an error in the debt collection that you have reported to the credit bureaus, as allowed under 15 U.S.C. 1681. 

I have reviewed my debt and payment history and it is apparent that the information you have reported is inaccurate. I request that you investigate this matter immediately and provide me with documentation that proves the validity of this information. 

Please understand that this error has caused me significant harm, negatively impacting my credit score and ability to obtain credit. I am hereby requesting that you take prompt corrective action to remove this inaccurate information from my credit report. 

Under the Fair Debt Collection Practices Act, you are required to conduct a reasonable investigation into the matter within 30 days of receipt of this dispute letter. I request that you provide me with a written report of your findings on this matter and any action taken to correct the inaccuracy in my credit report, as allowed under 15 U.S.C. 1681. 


After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. A validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not belleve the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Checking or savings account

Fiked a claim # XXXX amounts of XXXX and XXXX on XX/XX/XXXX with chase bank regarding merchant service claim was denied. I spoke with a chase claims rep on or about XX/XX/XXXX XXXX in regards to reopening the claim. The rep stated they would reopen my claim and said if I have any additional documentation I can send via mail or fax. On or about XX/XX/XXXX faxed Additional documentation to Chase claims department. On Thursday XX/XX/XXXX spoke to a Chase claims supervisor a who informed me fax documentation had not been received yet to call back the next day and if fax documentation was received to request the reopen the claim as Chase was willing to take a second look. On Friday XX/XX/XXXX spoke to Chase claims rep claims acknowledged receipt of the fax i sent and stated he entered for claim to be reopened and request for a temporary credit to be applied. The claims rep also stated that the inital claim filed was very vague and that he would provide additional details. Called on XX/XX/XXXX claims spoke with rep and was told claim was denied. Explained to the rep the claim was supposed to be reopened. Rep stated claim was NOT reopened and put me on hold while she spoke with the back office. Rep came back after about 5 or 10 minutes said sorry they not going to reopen claim. I asked to speak to speak with a supervisor as I was told claim was to be reopened The rep rudely and coldy stated speak to a supervisor for what it ain't gone change nothing,! I still requested to speak with a supervisor. Was eventually transferred to a supervisor and the supervisor said it was not reopened then begin to say it was denied again by chase then I asked how was it denied if it wasn't opened again. Supervisor then stated Chase didn't deny it deny it Visa denied it. I got contradicting statements and seems.like outright lies from different reps and suoervisors. Why was I even asked to submit additional info if it was even going to be reviewed. The initial claim was very vague and really no information entered by the claims rep which didn't help either. Also chase never sent any request for additional information to clarify the claim from me when the claim was initially filed.This is not acceptable.
Product: Credit reporting or other personal consumer reports

I recently was looking on my credit report and saw they collector was violating Several calls by law I am not liable for this debt with XXXX XXXX They did not provide me with the original contract as requested, nor did they provide me with the purchase agreement as requested they are using my information inappropriately Which would be 15 USA code 1692c ( Identity theft.They Arent the original creditor This is an attempt to collect a debt all illegal they havent validated anything. 15 USA code 1602 ( p ) Unauthorized use 15 USA code 1692b Claiming I owe a debt without proof of validation.The Debt Collector is engaging in unfair practice under FDCPA They fell to follow the far step validation procedure collection was not based on any transaction that I have made. My information has been used by this company without my authorization
Product: Checking or savings account

I noticed on XXXX XXXX XXXX  on my account that an unauthorized transaction was made at a XXXX in XXXX, Nevada totaling in {$410.00}. I have never been to XXXXXXXX XXXX  nor did I make this purchase. 

After searching my belongings and house, I realized I had lost my wallet and someone was using my debit and credit cards. I immediately notified Chase Bank, cancelled and locked all my cards, and submitted a fraud claim. 

On XX/XX/XXXX, I was notified by Chase Bank that " that the transactions was processed according to the information you provided or was authorized, '' and that they would be removing the {$410.00} from my account. I am not sure how they came to this conclusion. Again, I did not make this transaction and don't want to lose {$410.00}. 

I am planning on going to the bank in person, reaching out to them to see how they came to this conclusion, and potentially trying to get security camera footage and filing a police report.
Product: Checking or savings account

My wife is deceased on XX/XX/23. I went to Chase Bank to close her accounts. I am her husband. The bank manager told me that someone had already closed her accounts. This happened without my permission. The bank won't tell me who closed the accounts. There is no designated beneficiary.
Product: Debt collection

Paid account in full. They reported they the account was " written off '' and charged offs for several months and years. They took payments from me but reported this account a write off to the IRS. I never received a 1099-c to confirm This income. I paid the account in full but they reported it " charged off '' written off {$6700.00}. This is fraud. The IRS was informed of a charge off that never really happened. It's fraud the account was paid in full.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appear on my credit report, even after your investigation. 
I would like this item immediately re- investigated. The In accuracies are highly injurious to my credit score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Tittle VI , Section 611, Please provide the names and business addresses of each Idividual with whom you verified the accounts so that i may follow up, Please send me an updated copy of my credit report after your re-investigation.
Product: Bank account or service

Bank of America began putting holds on all of my deposits for the last 2 weeks of every month. I called them every day to get those holds released, and got different answers each time, from " sure, right away '' to " this is the last time we 're ever doing this for you '' to " we ca n't do anything about this, you just have to wait ''. I 've wasted at least 20 hours total over 3 months calling them to release holds. XXXX of these holds caused a payment to bounce to a charge card, which caused XXXX XXXX to impose a limit on that card, which previously had no set spending limit. In XXXX, they went a step further. They put a 10-day hold on a deposit, and then retroactively placed holds on all deposits from the previous week, which had already posted to my account, overdrawing my account by roughly {$2500.00}. They then bounced every payment that came in, which caused late payments to creditors and returned item fees. Some of the payment accounts charged a separate returned payment fee, which also bounced, and I now have XXXX accounts that are in collections. Bank of America then charged me NSF fees of {$35.00} per transaction 4 times a day. The hold notice I received said that any fees would be credited after the holds cleared, but that I would have to call them. When I called them, I spent 45 minutes on the phone, most of that time on hold, waiting for the agent to " see what she could do '' about this, and " not guaranteeing anything ''. Multiple times agents made promises that someone would call me back by the end of the day, and none of those promises were ever kept. Ultimately the fees were credited. But the effects remain : a charge card with a new limit that restricts my ability to operate my business, delinquency reports on my credit report for late payments as a result of overdrafts, 20+ hours of wasted time, accounts in collections, and literally hundreds of dollars in fees incurred as a result of Bank of America placing holds on my deposits.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


XXXX : XXXX XXXXXXXX XXXX  ACCOUNT NUMBER XXXX EQUIFAX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611. 
Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I am writing to urgently bring to your attention a gross violation of consumer rights by Equifax, a major credit reporting agency, regarding an account that has been improperly reported on my credit file. Despite my best efforts to resolve the matter directly with Equifax, they have failed to properly investigate and remove an account that is not mine, which is being reported under a completely different Social Security number. This is not just an inconvenienceit is an outrageous and illegal violation of my rights under consumer protection laws. 

To be clear : this account does not belong to me. It is associated with an entirely different Social Security number, and Equifax 's continued failure to accurately investigate this matter is completely unacceptable. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies take reasonable steps to ensure that the information they report is accurate, and it is abundantly clear that this account should never have been associated with my credit profile in the first place. 

Despite providing all necessary documentation and making multiple attempts to correct this error, Equifax continues to ignore its legal obligation to ensure accuracy, resulting in this fraudulent information being reported on my credit file. The FCRA specifically requires credit bureaus to correct any inaccurate or incomplete information. Equifaxs failure to act has caused me unnecessary distress and harm to my credit standing, and I am demanding immediate action to remove this account from my credit report. 


account tone removed : XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX balance : {$3100.00}
Product: Debt collection

I've noticed that a debt of {$280.00} is on my credit as a collection. Apparently it's been on there for almost 3yrs now. I've tried disputing this before, as I have no idea where it's coming from. I recognize the company that has put me collection, but that debt was paid in XX/XX/2015 when I moved to my new address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Accordance these accounts has violated my rights 15 U.S.C 1681 section 602 A1 States I have the rights to privacy 15 U.S.C 1861 section 2 1602 A section B a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Never apply for any credit card for tha place the 2018 I was living in different Address
Product: Debt collection

To whom it may concern, Per your web site, you report that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$570.00} and last delinquency reported  XX/XX/XXXX , yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for, one on XX/XX/XXXX  and the other on  XX/XX/XXXX . By not replying in a timely manner to my initial letter you signed for on  XX/XX/XXXX , you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately .
Product: Debt collection

In XXXX I was in a serious car accident, I had a XXXX XXXX that required me to be put in a XXXX. My american express account was being paid by my father, but due to XXXX payments being late a few times the account was paid late. A collection Specialist from American Express was assigned to the account, he spoke to my father and was told of my situation, however this man harassed my father, called my employer over and over again demanding them to have me call, he called my elderly father-in-law at his rest home and made him cry, he called friends of mine, he was told over and over that I was in a XXXX in the hospital and could not come to the phone. this collections specialist then closed the account that had been open since XXXX. Originally it was my fathers account and when I was in College he added me to the account for emergencies, somehow years ago I was made the principal. Now because of this when my father tried to pay the account off this collections specialist would not allow him to do so, stating he had to speak to me directly even though I was unavailable in the hospital in a XXXX. I have now paid for 3 extra months of interest due to this collections specialist not allowing the pay-off by my father. Every call you place to American Express is routed to this man, you can not speak to a supervisor or anyone else once you give the account number they just transfer you to him. He is abusive, he berates me for not calling him back, for avoiding his calls all this time, he is the party that closed the account and his unkind failure to understand the medical situation I was in is reprehensible. American express has allowed this man to operate outside the boundaries of normal collection practice, he has provided to outside parties that my account is in collection and past due, harassed my work, family, friends all outside the boundries of the law. Now today I tried to call myself, even though I am unable to really speak great, I forget words, it takes me time to explain myself, I must think before every word, but all I got was this mans abuse. He called me back for over an hour every couple of minutes and hung up on me, he pretended to be someone else, when I asked his name over a few times he finally said his name and hung up. I need to pay this account off but can not get anyone to help.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I had been paying on my XXXX XXXX Synchrony Bank ) XXXX XXXX account on time every month and I was noticing that my balance wasnt really going down. I did a deeper dive and I saw that XXXX had been charging me a monthly Card Security Fee that I did not authorize. 

I called and I spoke with the customer service representative and told her that I wanted a full refund of the Card Security fee that I had unknowingly been paying. I also told her that I wanted to cancel the Card Security Fee service. I told her that I did not recall signing a Card Security agreement. She said that it was over the phone. I asked if there was a recording or signature and she told me no and proceeded to talk about some sort of policy. She said that I agreed to it back in XXXX, in which I do not recall. 

I asked the representative how much Ive paid since enrolling in XXXX. She responded by saying Whats on my screen, is the past 12 months. I asked for the total payment past 12 months. She responded with the same thing. I asked if she was capable of looking at the total amount paid beyond the past 12 months and she said No. 

I as a customer should be given an honest answer when asking how much money Ive been paying on my account. I didnt know that companies could withhold information on what has been paid to them by the account holder. 

The representative offered me a Card Security Fee refund for the last 6 months payments. I declined and told her that I wanted the full amount of what I paid in which she refused to tell me. 

The representative then offered me a Card Security Fee refund for the last 12 months payments. I declined and told her that I wanted the full amount and if I cant get the full amount, I wanted to escalate it. 

I asked to speak to a manager and the representative put me on a hold. Long story short, conveniently, the manger wasnt available and she stated that the manager would give me a call within XXXX business day. She then said another employee would contact me in 3-5 business days. 

She proceeded to wrap up saying that she processed the Card Security refund for the amount of the last 12 months. I told her that I didnt authorize the refund because it wasnt the full amount as requested. She then told me it was too late and in order to escalate it to management that she had to process the refund and couldnt cancel it. I told her that I didnt want this processed and I wanted to escalate it once more. She said that I would have to talk to another employee once they called me. The XXXX representative was trying to hurry up and process the transaction to say that she gave me what I asked for. 

The next week, I didnt receive any phone correspondence from XXXX nor was my request/complaint acknowledged or attempted to be resolved. XXXX sent me a letter dated XX/XX/XXXX and said that they refunded me ( {$540.00} ). I looked at my account and it was credited ( {$540.00} ), which I didnt authorize. My request was for a full refund.
Product: Debt collection

Midland Credit dialed my number this many times on each date listed. 

XXXX 9 times XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX 13 times XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I KNOW this is clearly harassment and have asked all correspondence be sent by mail and I will make payment by check monthly, since neither of my agreements for automatic withdrawals have been completed by the company and I approved for pay. This is their problem and they should not harass clients given my willingness to work with them.
Product: Credit reporting or other personal consumer reports

noticed that this inquiry which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block this inquiry which is found to be fraud due to identity theft. The dispute inquiry do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove this inquiry. 
XXXX XXXX XXXX XX/XX/2022