23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CFPB + Columbia Debt Recovery LLC, dba Genesis, On a recent review of emails - I received an email from this collection agency listed above - I owe a debt that is unfamiliar to me. 

attached to this complaint are : - copy of my drivers license for ID as well as address - copy of my written complaint I am requesting this debt to be validated - and if not mine, removed from all credit reports, stop all collection tactics, and end collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX act XXXX XXXX XXXXccount # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed a debt verification letter to Equifax and XXXX  asking them to please send me proof of how did they verify this debt that was put on my credit profile from from XXXX XXXX. I have yet to get anything from them. According to the FCRA they have 30 days to respond to my request with true and accurate information. They have yet to do this. This inaccurate information is hindering me from purchasing a home. I demand that they Delete the inaccurate information off of my account immediately. They have not proven to me how the account has been verified, validated and nor if this is even my account. 

I also sent a letter to XXXX XXXX XXXX asking them to validate the debt asking for specific information to be sent back to me and they have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion you are in violation of reporting a alleged account that is in dispute it was not and has not been verified as legal or accurate to report XXXX XXXX XXXX has no right to report to you .you clearly are violating the FCRA this was referred to the CFPB case XXXX on XX/XX/2019 remove this account at once
Product: Credit card or prepaid card

I had a credit card account with XXXX XXXX, a division of First National Bank of Omaha. I had a payment due on XX/XX/XXXX. My internet service was out and so I wasn't able to make payment until the XXXX. A few days later I called the company and asked if the ( outrageous ) late payment fee could be waived since I was only hours late and had consistently been paying on time. 

At that time, I was told that my account had been closed in XX/XX/XXXX. The person I spoke to refused to give me the reason and indicated a letter had been sent to me explaining. I did not receive the letter and requested another be sent. I was told it would be. 

I did not receive the second letter after a couple of weeks so I called again to request a 3rd letter be sent. It has now been approximately 6 weeks and I still have not received a letter or any explanation as to why my account was closed. When I go to my account online there is nothing that says the account is closed. 

I have consistently made payments on time on all my accounts. I have had one negative report recently. In XX/XX/XXXX I received an exceptionally high utility bill from XXXX XXXX. I was only able to pay 1/2 on time. The balance I paid with the next payment. I was only one month late with 1/2 of  payment due. I have had service at my present location for almost 30 years. I have never had service disconnected nor had a poor report sent to a credit bureau. This was exceedingly unfair and just plain mean. 

The credit card company closing my account without any apparent reason and refusing to advise the reason is inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working to rebuild my credit after my XXXX.I applied to XXXX XXXX to get a secured card and I was approved. I was waiting on a check to submit the amount requested for said card. My girl friend said she would do it for me and told me she only needed to transfer funds from her savings to checking. I gave the folks at XXXX XXXX her bank info. Shortly after we get a call from said company that funds where not available and that now the card I applied for was declined. I called yet again for over to weeks and more just to explain yet again how can we straighten it out.. and it went directly on my credit. I never used the card never got the card and I still paid {$100.00}. thinking it would be straitened out but to no avail. Now today got an alert from Experian that my credit score got dropped down 48points.  These folks need to be stopped for this kinda business practice. It is wrong and deceitful! I have much more to say but whats the use.. XXXX XXXX is the worst of all of the company 's offering to help folks rebuild there credit! Crooks at best.. And as for the collection company they never once contacted me regarding this matter! 
Respectfully, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a former complaint on XX/XX/2020. The company responded with an address that didn't belong to me.
Product: Debt collection

COMENITYCAPITALBANK/XXXX XXXX {$820.00} - opened XX/XX/2017 I have tried to dispute this debt with the company several times. They have not responded to any of my request
Product: Vehicle loan or lease

Credit Acceptance Corp reported a vehicle repossession to my credit report in XX/XX/XXXX. The company is claiming {$4400.00} is due on the account. I have requested to the company documentation including ( 1 ) a signed agreement with the dealer, ( 2 ) the original bill of sale of the vehicle ( 3 ) a bill of sale following the repossession of the vehicle and subsequent sale of repossessed vehicle ( 4 ) Any documentation pertaining to the purchase of the vehicle and its its repossession. These requests were made to Credit Acceptance on XX/XX/XXXX. When requested, the company claimed to possess the required documentation but has yet to send them via certified mail. The reported items were disputed with the credit reporting agencies on XX/XX/XXXX. 
Credit Acceptance has not contacted me with any requests.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I searched for tickets on XXXX for game 4 of the XXXX XXXX. I found a seller and reached out to him, I suggested a price for 2 of the 4 tickets he was selling. 

I suggested that we do payment via XXXX since h said he was out of town, he then said we could use his wife 's apple pay or XXXX. I told him I had neither. I then suggested that we do Chase XXXX but he said he doesn't have them as a bank, but that they had a XXXX integration. 

He tells me his name and email and j send XXXX to the email via XXXX/XXXX. He says twice he didnt receive it after I sent, then he finally did he got it. He then asked my email again to send the tickets electronically as he was putting them in my name. 10 minutes go by, I have not received anything, I reach out to him, and no response. 

I use another number to text him asking about tickets, the guy says he has 2 left as he was opening payment from another person. I then lament that there weren't enough for 4 people, he then says to wait. Then he texts back saying the the other buyer is procrastinating and he will sell 4 tickets. I then ask why is he parting ways with tickets, and he says he and the wife are out of town on emergency due to his dad having a XXXX. I offer to pray for them, and I ask the dad 's name, he says its XXXX XXXX as well. I then ask more questions about how would I know he was on the up and up and h sends pics of the 4 tickets with the barcode blacked out. I then inquire more, and he gets defensive that I showed a lack of trust. 

I then send 5 requests for refunds, all denied by him immediately after texting him from the original number and demanding my money back. I them report the ad to XXXX, the FTC, and I call my bank about the fraud. They have not done anything or followed up with me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes.

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report.

Ensure that your procedures for verifying inquiries comply with the above federal statutes.

Send me an updated copy of my credit report reflecting this correction.

I have attached copies of my identification and proof of my current address for verification purposes.

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX Attachments : Photo identification document Proof of current address
Product: Debt collection

The debt is a result of a judgement found against me during eviction proceedings. However, the collection company is attempting to collect over XXXX the amount of the judgement. The bill I was sent includes charges specifically prohibited by Texas Law. I believe that it is illegal for them to send me a bill for items prohibited by law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX and XXXX XXXX Derogatorily Reporting inaccurate information on the consumer credit report associated to my legal name and social security account I request that this be investigated and that this creditor will answer my questions concerning this alleged debt It has been recently reported that .... 
" CFPB Sues XXXX for Sham investigations of Credit Report Errors XX/XX/2025 XXXX has not properly been investigating my accounts and reinserting them back onto my consumer report/profile '' The following laws have been violated concerning my report by XXXX and XXXX XXXX XXXX5 USC 1681 ( i ) ( a ) 1 challenges the 30 day response time 15 USC i ( a ) 6 ( B ) 3 Challenges investigation protocols 15 USC 1681i ( a ) ( 5 ) B Challenges reinsertion protocols COMMENITY BANK and XXXX have both been found to be operating fraudulently concerning the consumer credit report associated with my legal name Pursuant 18 U.S.C. 8 The Social Security Number attatched to your credit file belongs to the Social Security Administration NOT me Any debt assigned to the SSN assigned to my legal name without my direct consent is a legal gray area further and for the record let it be known THAT .... 
I do not consent to the charges/derogatory report being brought against me I do not consent to the use of my name in all capital letters I do not consent to the use of my social security number I do not consent to the courts or any alleged creditors authority over me I Am a living man not a corporation or entity I reserve all of my inalienable rights and will refuse to remain silent In Addition Please be Advised that The CCPA allows the California Attorney General to impose civil penalties of up to {$7500.00} per violation for intentional violations of the law and {$2500.00} per violation for unintentional violations. Businesses that are notified by the California Attorney Generals Office that they have violated the CCPA have 30 days to cure the violation. If businesses fail to cure the violation within 30 days, they can be fined. By understanding the civil penalties for violations of the CCPA, businesses can take steps to avoid being fined and to comply with the law. 
Sincerely, XXXX
Product: Payday loan, title loan, or personal loan

I have a {$1000.00} loan from ace cash Express. when they first started to withdraw payment i calculated the fees the were giving me was almost the same amount of the loan {$920.00}. I told them that i have taxes to pay and that i had a family emergency that i wouldn't be able to pay back loan. that I have plans to get with a debt consolidater. Ace cash have told me that they are filing a lawsuit against me. they've constantly harrassed calling my phone and calling my job telling people I work with that they're filing a lawsuit against me. I know its affected my credit. I need them to stop harassing me at my job and constantly calling at my job
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX  are reporting inaccurately on XXXX XXXX XXXX account XXXXAfter repossession of a car in or about XX/XX/XXXX, the account was charged off for {$5800.00} in XXXX XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXXXXXXAfter dispute with all 3 bureaus XXXX  says on the report, {$7100.00} past due in XX/XX/XXXX.InXX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent a domestic wire transfer from Chase to XXXX XXXXn the amount of {$70000.00}. XXXX has restricted my account. On XX/XX/2022, I requested that Chase retail wire transfer dept. recall the {$70000.00} from XXXX and transfer to my Chase checking account ending in XXXX. Chase has not contacted XXXX nor has XXXX sent back my funds to my Chase account. Chase inquiry # XXXX. XXXX case # XXXX.
Product: Checking or savings account

i AM GETTING UN-AUTHORIZED BILLS FROM CHASE REGARDING ACCOUNT NUMBER XXXX. APPARENTLY CHASE OPENED AN OVERDRAFT PROTECTION IN XX/XX/2005 ON MY CHECKING ACCOUNT NUMBER WITHOUT MY PERMISSION AND NOW THEY ARE SENDING ME BILLS FOR XXXX FOR THAT APPARENT PROTECTION THAT I NEVER SIGNED FOR. I HAVE CALLED THEM SEVERAL TIMES BUT ALL I GET IS RUN AROUND AND TRANSFER FROM 1 PERSON  TO THE NEXT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX she uses multiple different last names ) of XXXX  used my SSN to open multiple loans and credit cards. She is in Texas while I am in XXXX. The loans and credit cards all have her names on them, but when I contact the credit bureaus and creditors, they never helped me get these items removed from my credit report? I resubmitted my dispute just now for both XXXX and XXXX. I believe my record on XXXX is clean. 

On XXXX, XXXX XXXX XXXX and XXXX are still on my credit report. On XXXX, XXXX XXXX XXXX and XXXX XXXX are still on my credit report. Both credit bureaus have several of XXXX 's addresses and names which I also disputed. Can we get these taken off? I have been trying to do this for the past few months and it is detrimental to my credit.
Product: Checking or savings account

Webster who has been the bank of my company for over 20 years decided to merge. After their merger they changed their banking site and now I am unable to download my company information in XXXX. 

This bank has sent information and it doesn't work. They have been contacted over XXXX times about this problem between phone calls emails, messages in their site, visits to teh branch. My business has wasted hours upon hours. 

The bank has been sending apology messages and information manual on how to make thie change. It doesn't work. This has been communicated many times to tehir staff. 

A very nasty woman called me after I mader complaints and she indicated that she had no idea when it would be fixed and that it wasn't a priority for Webster. Her attitude was it was my problem and I should go to XXXX to fix te problem they created. If she was my employee I woudl fire her. 

You will see from the copies of their messages that their issue is not a priority and so far we are getting a lot of lip service
Product: Debt collection

Today, XX/XX/XXXX, an individual from the XXXX XXXX Sheriffs Department delivered a writ of garnishment to my employer. The writ was endorsed by the Superior Court of the State of California, XXXX XXXX County. The attorney of record on the writ is Winn Law Group ( Winn ) and the plaintiff/petitioner on the writ is XXXX XXXX XXXX, XXXX ( XXXX ) as an assignee of XXXX XXXX. ( XXXX ). 

The writ of garnishment contains a mistaken identity. While it is addressed to my employer, the defendant ( who has the same first and last name as me ), has a different middle name, address, and social security number. I do not currently live in the same state as the defendant. I believe the mistaken identity originates from the fact that the defendants address is in the same zip code as my employers headquarters, despite the fact that I work in a separate office, in a separate state. 

I immediately contacted the sheriffs department and an individual there represented that he had no ability to change the writ, the sheriffs department merely serves the writ. 

I then contacted Winn. The first operator I spoke with forwarded me to an unattended phone line. The second operator I spoke with forwarded me to one of the firms attorneys XXXX XXXX. Mr. XXXX asked for my address and the last four digits of my social security number. He confirmed that the defendant does not appear to be me and said he would draft a release letter to send to the sheriffs department. I requested a copy of the release letter as well. He requested my email address and said he would send me a copy of the release letter in the next 15 minutes. I did not receive any emails from Mr. XXXX today. I tried four additional times to reach Mr. XXXX and left two messages. 

My haste in filing a complaint is an attempt to force Winn or XXXX to submit a release of claims within the 10 day window in which my employer is required to respond. 

I believe Winns misidentification, identifying me as the defendant, is a material violation of my rights and privacy. Further, Winn caused significant embarrassment to me by matter of a sheriff appearing at my employers headquarters and making the false identification public to my coworkers. 

My complaint will be satisfied when Winn ( and/or XXXX ) : 1 ) prepares a release of claims letter that is sent to me, my employer, the XXXX XXXX County Superior Court and the XXXX XXXX County Sheriffs office ; 2 ) each entity confirms receipt of the release letter, 3 ) Winn submits to me an apology letter, and 4 ) Winn posts a new policy on its public-facing website stating the appropriate procedure an individual may follow when it believes it is subject to misidentification and, in that policy, Winn commits to addressing every complaint alleging misidentification. 

I am lucky that I was able to catch the misidentified writ of garnishment before my employer deducted wages. Other individuals may not be so lucky.
Product: Credit card or prepaid card

On XX/XX/XXXX, my boyfriend and I purchased a cruise through a company called XXXX XXXX XXXX, billed as XXXX XXXX on our credit card. We realized post-purchase that the company was fraudulent after doing a XXXX search on XXXX XXXX - tried to call the company to request a refund - they disconnected their phone, and then filed a dispute with our bank ( Bank of America ) to resolve the situation and get our money back from this fake company. BofA requested information from us about the situation, which I provided, credited us back the amount the fake merchant took from us in XXXX, and then took the credit back, recharging us for this fake purchase. This took months, and I received the charge back on my card on XX/XX/XXXX. Calling the bank again to see what happened and why I was re-charged for this clearly fraudulent charge, they provided " evidence '' from the merchant that we were unable to get ahold of that was entirely fabricated. The merchant stated that they had sent us an email confirmation and we responded with a signed document and photo ID confirming acceptance of the charge and trip. This is 100 % false. The name that they signed on the document is not even my boyfriend 's name. They got the initial of his last name wrong. Also, there is no ID provided, because none of that ever happened. Another dispute was filed for a supposedly deeper investigation on XX/XX/XXXX. So, after two so-called investigations into the matter, Bank of America sided with a fake company that provided clearly false information to them. My boyfriend has an account with BofA, they know that isn't his last initial. On XX/XX/XXXX, I received a second denial on our dispute claim and am still expected to pay {$800.00} to my bank and a fake company. This is not fair and we have provided information showing that it is fake. The result that comes up in a XXXX search about XXXX XXXX is that it is a scam vacation company based out of XXXX. I looked at that page today, found a phone number for the company - as the one we had tried continuously before was disconnected, it went straight through and the man I spoke with was the same man we spoke with back in XXXX when we were conned. I demanded a refund and discussed the situation with him and how false evidence was provided by them to our bank. He requested I send a copy of the statement from our bank saying our claim was denied and then their verification department would look at it. The issue at hand is that a fake company stole our money, two disputes were made with our bank, and the bank sided with the fake company that provided them with blatantly false statements. We want justice and our money back while being wildly disappointed in Bank of America for their lack of due diligence.
Product: Checking or savings account

XX/XX/21 received text said FreeMsg CHASE BANK FraudDid you attempt a {$1000.00} $ XXXX YES or NO Case XXXX Top Opt out reply STOP I texted back NO FreeMsg : CHASE fraudDept THANKS! We will be contacting you shortly. 

They withdrew {$500.00} then {$400.00} through XXXX while I was on the phone with them he called me. 

I've contacted Chase Bank approx 10 times and have spoken to many managers. They say as it's XXXX they can not return funds to me. The claim has been denied two times. today they said they are putting it through 'third time as a courtesy ' but I said what's the point you are just going to decline me. It's XXXX this is my money to buy my kids gifts. 

I showed them the text and phone numbers of phone call origination, proof that I called the number back, then called XXXX after I found out I was tricked.