23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX - Reviewed credit report on XXXX, XXXX and XXXX and noticed Collections Account entry from Columbia Debt Recovery LLC dba Genesis for amount owed of {$1000.00} XX/XX/XXXX - Initiate dispute via XXXX, XXXX and XXXX and requested for debt validation letter from Columbia Debt Recovery LLC dba Genesis XX/XX/XXXX - Received mail with letter dated XX/XX/XXXX from Columbia Debt Recovery LLC dba Genesis with validation of debt documents for debt with original creditor, XXXX XXXX XX/XX/XXXX through XX/XX/XXXX - Reviewed documents provided and established that debt was not mine for the following reasons 1. XXXX XXXX document provided as part of debt validation was from calendar year XXXX whereas debt owed was from calendar year XXXX 2. Debt owed to XXXX XXXX was indicated to be in XX/XX/XXXX whereas lease agreement with XXXX XXXX had terminated in XXXX/XXXX with all no dues pending Available evidence in my possession includes the following 1. Signed XXXX XXXX document for XXXX with XXXX  XXXX indicating leasing period from XX/XX/XXXX through XX/XX/XXXX 2. XXXX XXXX statement for XX/XX/XXXX indicating my payment of {$1700.00} as full final payment of all dues for XXXX lease term of XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Sent a " Direct Dispute '' letter via certified mail to Columbia Debt Recovery LLC dba Genesis with complete details of erroneous entry in credit report along with evidence documentation as described above XX/XX/XXXX - Received results of dispute from XXXX indicating that " Item has been reported correctly '' I am yet to receive any communication from Columbia Debt Recovery LLC dba Genesis regarding the " direct dispute '' that I sent on XX/XX/XXXX I have provide concrete evidence to show that the debt is not mine and the entry in the credit report is incorrect. I am filing this complaint to ensure that the entry is removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month ( XXXX XXXX ) I reported to CFPB that Experian dropped my credit score by 20 points for using {$130.00} of my {$5600.00} available credit. By XX/XX/XXXX Experian gave me back the 20 points they took away. I paid off the {$130.00} a week after I charged it in XXXX XXXX. I checked my credit report on XX/XX/XXXX and saw that Experian reported that I paid off the {$130.00} on XX/XX/XXXX, but then dropped my credit score by 19 points!!!! My score should have increased by 19/20 points for paying off the only thing I charged on my credit card for months. There were no other changes or movement on my credit report. But, my score went from a XXXX to a XXXX. This means I went from having GOOD credit to FAIR credit. Experian has been doing this to me for years! Whenever I pay on my credit cards or my loans, they decrease my credit score. They've even lowered my score by 20 points for things like asking them to correct my address and employer information. They arbitrarily lower my score for things that should increase my score or shouldn't affect my score at all. Plus, when I dispute incorrect items on my credit report, I end up having to spend months, and in some cases years, to get them to correct things. For example, it took them 12 months ( a full year ) to correct my name, address and employer. By law, they must report things accurately and not do things on purpose to bring down my credit rating. Since this has been happening to me for years now, I can see that they're trying very hard to keep me from bettering my credit rating so that I am subject to the subprime credit card and lending marker. I can't get a decent loan to by a home for or get credit cards for XXXX XXXX due to Experian 's illegal and unfair reporting. My credit score with the other two credit reporting agency is in the 700s because they're not penalizing me for paying-off my credit card ... and it should be in the XXXX at Experian by now. 

Per the Fair Credit Reporting Act, my credit rating can't be arbitrarily brought down because Experian decides to do so on their own. My credit rating needs to accurately reflect the accounts I have, when I make payments, and show how I use credit. Not punish me for paying my credit cards on time. Since I use my credit responsibly, have NO DEBT and never go above 3 % usage of my available credit, my credit report and score should be in the XXXX by now. So, this unfair and illegal practice of theirs needs to stop.
Product: Debt collection

This account just recently appeared on my credit report that I have no knowledge. I submitted a debt validation letter on XX/XX/2021 and have not received any validity of the debt. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Product: Mortgage

My originating mortgage company ( XXXX ) sold my load to LoanCare LLC in XX/XX/2017. I had already made my payment to XXXX for XX/XX/XXXX. When I was informed of the transfer, I called Loancare to make my XX/XX/XXXX payment, At first, they refused to accept payment for XX/XX/XXXX as they were still waiting for paperwork. Once they received the updated paperwork, i called to make the XX/XX/XXXX payment, and they refused to take it, as they wanted XX/XX/XXXX first. I informed them that XX/XX/XXXX was made to XXXX. And that i was paying XX/XX/XXXX. I called in that payment on XX/XX/XXXX, received my confirmation, and the money was withdrawn. They are now sending me threatening notices of delinquency for being 2 months behind. Loancare is a very unprofessional and uneducated company.
Product: Debt collection

I have been fight with the credit reporting agency for all three XXXX XXXX and XXXX for about 8 years i have been a victim of identity theft. they removed it once and then put if back on my report. i have filed police reports as well over and over again. there are 4 items. there is a new one and i called them and explained that i do n't know who they are i dont have any credit with them its a law office and they keep robo calling me and will not remove from my report and threatening to keeping adding it on my report .i all ready have a duplicate from them now. there 's a bankruptcy on my report that i never had
Product: Debt collection

I am being threatened by a debt collector whom I believe is intentionally breaking the law. In pursuit of a non-existing debt. 
My most recent correspondence with this company is as follows. 

XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, Texas XXXX RE : Creditor Midland Funding LLC Paid Debtor : XXXX Account No : XXXXXXXXX In Response to your communication of XXXX 2016 The FDCPA states that ANY person/lawyer or firm that is hired to collect on a debt, is considered a debt collector and falls under the rules of the FDCPA. 
The federal and many states ' law require that financially distressed consumers not be abused, deceived, lose their privacy, or be treated unfairly. 
You have called me and my extended family members using intimidation, talking with my friends and family about a debt. Without my permission this is illegal. Talking to them about non-existing debt is slanderous. Making harassing telephone calls and threats to sue on a debt that was paid, or no longer owed due to settlement is illegal. ( such is the finding when a debt collector and debtor settled a debt, and then the debt collector instituted litigation on the same debt ) Have I been mislead? 
In our documented agreement. 
You wrote up the settlement with an amount that was much closer to the original debt, as it was closer to the original debt before all the add ons, I accepted the mutually agreed amount of {$6700.00}. I paid that full amount agreed upon within the time frame you had given. 
I am not trying to get out of paying my bills, however I will not pay money I do not owe. 
This agreement states that if I make payments totaling {$6700.00} in a timely manner ( within the time frame you gave me ) the original note will be marked as paid and returned to me, and any remaining balance would be forgiven. I did as you asked. It now appears that you have failed, on your end, to mark the original note as paid, and return it to me, as you stated in your letter, that you would. 
Instead you have called me, and extended family members, leading family to believe I was in trouble with the law. All in trying to collect on a debt by your agreement is no longer owed. 
The correspondence written XXXX XXXX, 2016 is confusing. 
It shows that I indeed paid the {$6700.00}, ( the settlement amount that I also have in canceled checks ), written to and cashed by XXXX XXXX. It reads as though you are attempting to collect even more money. Money that is not owed. 
I dispute and deny this debt, as I will dispute any continuance of this matter. As you can plainly see, positively this is a mistake, by someone in your office. 
This information will now clear that up. I have done all that I was asked to do by your office. 
If you continue to seek force, and threaten to extract money I do not owe, I will have no other choice but to seek outside help to resolve this matter. 
You may contact me in writing to advise me that your debt collection efforts are being terminated, or that you are or the creditor are taking specific actions allowed by the FDCPA or Texas laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with the creditor, the credit bureaus and you all repeatedly for more than 5 months and the status date continues to show XX/XX/2017. This is a violation of my rights. This account continues to show on my credit report inaccurately and no investigation has been done. I am requesting immediate deletion of this account.
Product: Credit card

Google gets updated credit card numbers from bank without my authoriization. 

I changed my credit card number and kept the same bank. 
My bank sent Google my new numbers without my authorization. 
I charge {$25.00} a year for my Google domain name. Google no longer owns my domain because they sold it to XXXX so there is no need for them to have my credit card number. 
I tried to remove my credit card from Google and it will not let me. Although there is no reason for them to have my credit card since I am not buying anything, they will not let me remove it. I need to give them another credit card to replace it if I want it removed. 

1. I have never had any credit card automatically updated by a bank after changing it. I always need to go in and add my new card to the business to continue auto pay. I thought this was illegal. 

2. Google is not allowing me to remove my credit card from their business when I owe them no money. I thought this was also illegal.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the bankruptcy that I have listed here is fraudulent and needs to be deleted within four business days of your receipt of this report pursuant to 15 USC 1681c-2 of the FCRA on clear grounds of identity theft. DELETE BANKRUPTCY : US BK CT-XXXX XXXX XXXX XXXX. This Bankruptcy keeps getting verified, if this keeps happening, I will have no choice but to seek legal Counsil in this matter as this NOT my account. 

PLEASE SEE ATTACHED IDENTITY THEFT REPORT.
Product: Checking or savings account

In its response to a complaint submitted through the CFPB ( XXXX ), BMO stated that it had conducted a " careful '' and " thorough '' review of my account and determined that I was " qualified to receive the bonus of {$XXXX} ''. However, only {$XXXX} was deposited to my account by the bank.
Product: Credit card or prepaid card

I am disputing a charge of {$2100.00} to my XXXX Citibank Credit Card # XXXX XXXX XXXX XXXX. The charge is in error because the customer service representative reversed a charge on my account without my permission. I am seeking to get this charge removed from my account, that finance charges related to the disputed amount be credited to my account be removed, and that I get an accurate statement. 

I have contacted Citibank on several occasions to get this issue resolved : On XX/XX/2023, I talked to XXXX Citibank Member Services, and the customer service representative reversed a previous credit without my permission. 
On XX/XX/2023, I talked to XXXX in customer service, and he requested on audit on this charge. 
On XX/XX/2023, I talked to XXXX and was told to wait XXXX business days, and I would see a credit on my account. That did not happen. 
On XX/XX/2023, I talked to XXXX and XXXX. XXXX told me to expect to see a credit on my account by XX/XX/2023. 
On XX/XX/2023, I received a letter from Citibank indicating they had permanently closed the dispute, and I had no further recourse. 

Enclosed are copies of the audit conducted by the dispute department at Citibank, veriyfing my claim that I had been charged twice for the item. The total balance should be {$2100.00}, not {$4200.00}. Citibank has yet to give me credit for the {$2100.00} due me. Interest is accruing on this item. My account is current on other items. 

Please do whatever is necessary to correct this issue.
Product: Credit card

On XXXX XXXX we checked out of XXXX XXXX resort in XXXX, XXXX. We had a bill totaling XXXX. We paid a deposit prior to arrive of XXXX bringing out total owed to XXXX. Upon arrive we sat and spoke with a concierge and gave her a card to hold for incidentals ( Capitol One master card ) with the understanding our outstanding balance would be XXXX, and any additional rentals or food charges should they incur. At the end of our stay we checked out and paid and authorized {$700.00} on the master card and an additional {$1300.00} on a via card. Lastly we had rentals for snorkling gear we added in for payment ( total {$29.00} ) on the same master card. Upon departing around XXXX we were unable to receive a receipt from the hotel to sign and confirm all purchases because they could not complete the charges as explained without a manager to explain them. We asked for a receipt to be sent to us electronically and we would be on the XXXX of XXXX for an additional 5 hours should there be any further questions with charges. Upon departure the XXXX XXXX resort charged the master card an additional {$700.00}. There was no authorization for this charge to be run on the master card - as the limit for the card is {$750.00}. If there was a remaining {$700.00} balance, which we were not informed of in writing upon arrival with all other noted charges, the charge would have been paid with a debit or credit card having sufficient funds. The charge was disputer with Capitol One immediately and followup from XXXX XXXX stated they did charge the master card for {$700.00} - twice. This was unauthorized by the sole card holder. I would not and did not authorize a charge that is double my credit card maximum allowance. I have great concerns over the fraudulence on charges for {$700.00} on XXXX XXXX with NO AUTHORIZATION. Should the XXXX XXXX resort have any additional charges totally {$700.00} they feel are outstanding we would be happy to pay them on a card with sufficient funds. In the mean time our Capitol One master card has been charged 2 times for an unauthorized amount of {$700.00}. I have contacted the resort and Capitol One regarding this matter- both have been unable to explain who authorized the second charge of {$700.00}. I do not understand why Capitol One would allow for a charge to be run for {$700.00} ( or double ) my max credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regards to the incorrect items on my XXXX credit report. It had been well over 30 days and i haven't received any investigation results
Product: Credit card or prepaid card

This letter is served upon received. 

It has come to my attention that I am a federally protected natural person as defined under the Truth in Lending Act 15 USC 1602e. 

Please be advised on XX/XX/2021, at XXXX pm Goldman Sachs and XXXX willfully and negligently violated my federally protected consumer rights. Goldman Sachs Bank USA and XXXX XXXX are in fact in violation of but not limited to the following federal laws ; 15 USC 1691 d ( 6 ), 12 CFR 202.9 b ( 2 ), 15 U.S.Code 1692d ( 2 ), and 18 USC 1028. I was denied an extension of my credit although I am the original creditor and provided my social security card number and XXXX benefited from the consumer credit transaction and I did not. 

I demand you : - grant me an open-ended unlimited credit plan - zero out the balance each month - pay the attached invoice in the amount of {$120000.00} by mail to the address listed- an audit trail mailed to the address listed above those entails the application and consumer credit transaction I entered yet did not benefit from If you do not cease the law violations mentioned above, I will pursue litigation against XXXX XXXX and/or Goldman Sachs Banks USA as 15 USC 1692k a ( 1 ) allows civil liability rewards for any damages, which include stress, mental anguish and other damages caused by violations due to XXXX XXXX and Goldman Sachs Bank USAs deceptive business practices and negligent/willful noncompliance.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report XX/XX/year> and found some addresses that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Experian continue to report my name, my address and phone number incorrect on my credit report. 

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

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT EDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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 a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX 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 a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate. 

i have not received any money from this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Gentlemen - I recently received a letter from XXXX dated XXXX XXXX 2017, stating that Equifax had suffered a data breach, and that XXXX was working with Equifax to learn more about the event. I have been encouraged to take several actions of which I have done, in addition to which is file a complaint with the Federal Trade Commission. I was told in this letter that you maintain a database that law enforcement agencies use for investigations and that filing a complaint will help you better assist me should I become a victim of identity theft. 

As a consumer I can not express my outrage strongly enough at the lack of responsibility Equifax has shown in this failure to safeguard and protect my personal information. As much as I despise the power which has become inherent in the credit monitoring and reporting system, I have played by the " rules '' and have established an impeccable reputation which now is threatened through no fault of my own. This is inexcusable and infuriating! 

Please place my information into your database so that, should I fall prey to these evil perpetrators, I might be able to take advantage proactively of any restorative services you make available to me.
Product: Credit reporting or other personal consumer reports

I reviewed my Experian credit report and noticed that Experian sent my credit report to XXXX XXXX XXXX, XXXX on XX/XX/XXXX  and XX/XX/. 

I did NOT give permission for Experian to send my credit report to XXXX XXXX XXXX, XXXX and want to know why they did this.
Product: Student loan

Hello on XX/XX/XXXX I went to pay my loan # XXXX which stated it had a total due of XXXX $ by XX/XX/XXXX. The website stated that it was past due but had no past due balance and just said total due was XXXX $ by XX/XX/XXXX. So I made the payment for XXXX $ on XX/XX/XXXX and it said it would post to my account on XX/XX/XXXX the due date. However they reported my account as 30 days late on XX/XX/XXXX even though there was no past due balance and I paid the XXXX $ by XX/XX/XXXX. So now when I go on to my account it says the XXXX $ has posted but its still late and another XXXX $ is due which was not on there when I paid the XXXX .