23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB, I am writing to file a complaint against Columbia Debt Recovery LLC, dba Genesis ( " Columbia Debt Recovery '' or " the Company '' ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

XXXXNature of ComplaintXXXX Columbia Debt Recovery is attempting to collect a debt from me. However, the Company 's actions violate my rights under the FDCPA and FCRA in the following ways : XXXX XXXXLack of Licensure : XXXX  I reside in North Carolina . According to my research, Columbia Debt Recovery is not licensed to collect debts in this state. This makes their collection attempt illegal. 
XXXX XXXXMissing Debt Validation : XXXX  The Company has not provided me with debt validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this lack of validation, they have placed a collection notice on all three of my credit reports.

XXXX XXXXDisputing Rights : XXXX I have not been given a fair opportunity to dispute the debt as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
XXXX XXXXDeceptive Conduct : XXXX By furnishing information to credit bureaus without proper disclosures, Columbia Debt Recovery is potentially using false, misleading, or deceptive means to collect the debt, which violates 12 CFR 1006.3 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

XXXXRequest for ReliefXXXX  I dispute owing any debt to Columbia Debt Recovery XXXX I hereby revoke all rights for them to communicate with me through email, text messages, or calls. 

Furthermore, I request the following XXXX XXXX XXXXDebt Validation : XXXX I demand Columbia Debt Recovery provide complete debt validation information as outlined by law. 
XXXX XXXXPurchase Agreement : XXXX If Columbia Debt Recovery claims to have purchased the debt, I request a copy of the purchase agreement between them and the original creditor. 
XXXX XXXXProof of Licensure : XXXX The Company must provide evidence that they are licensed and bonded to collect debts in the state of North Carolina XXXX 

I believe Columbia Debt Recovery 's actions have negatively impacted my credit report and caused me undue stress. I request the CFPB to investigate these violations and take appropriate action against the Company. 

Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

Chase decided to close all of my credit cards that I currently have with them because they felt I was a risk since I have applied for multiple cards in 2017. I have excellent credit, I have never missed a payment, I pay my entire balance off on or before the due date. I have multiple credit cards because I travel, and I use the rewards for traveling, and also for my business. They did not give me any notice, they just closed the cards out. When I called and they explained it, I told them everything I am writing here, I am not a risk, I have never overspent, I have never maxed out cards, I manage my credit very well. I do not have any debt besides my mortgage, and yet they think I am a risk, and they closed out every card I have with them and they will not refund my fee that was charged 1 month ago for a card I have only had for 1 month, it is an annual fee that is for the year and they closed it out 1 month after I got the card. They just made {$99.00} on me for no reason, I didnt get the credit card bonus that came with the annual fee, I didnt get to even use the card more than a few times before they closed it out, and now they will not refund anything. I am wanting this annual fee refunded, its one thing to close everything out because they just decided I was a risk, it is another thing to make me pay the annual fee for a card I dont even get to keep.
Product: Credit card or prepaid card

On XX/XX/2019 my master card from CITI bank was charge {$380.00} and {$350.00} unauthorized purchases. I contacted the citi credit card, they cancelled my card and sent me a new card. However, later I was recharged {$380.00} and {$350.00} by Citi again in my XXXX bill. I called them to dispute the charge but they said since the card was in my possession while the fraudulent happened I am responsible for those fraudulent transactions. I disagreed with them but the representative told me there is nothing she can do and told me that I have to pay the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps touching my credit about every 2 weeks and causing my score to continuously drop. Drop allot. They are adding remarks, then removing them. I call and they have no knowledge of this or do not know how to handle it. Or they don't see a record of my calls etc. They are ruining things for me and should not be adding remarks every 2 weeks. Also stating I am in a natural disaster and then calling me, emailing me for payment and have no record of this natural disaster, was never asked about it or to enroll in it. They do as they please with my loans and credit score. I get nowhere calling. They keep losing record of calls and info.
Product: Debt collection

I cancelled an XXXX XXXX XXXX account in XXXX  and closed it out. I received a letter in the mail Radius Global Solutions LLC claiming they were collecting for XXXX XXXX XXXX. I cleared that account and the account shows nothing due. I suspect this is an attempt to get me to pay something I do not owe. 

Date XX/XX/year> Amount : {$46.00} First contact from this company
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnish, accepting unreliable responses, and failing to equally adequately notify consumers of dispute outcomes. These failure align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I found today in my mailbox a letter from Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX The letter says : We have received your request for a credit product with carecredit issued by synchrony bank. Unfortunately, we are unable to approve your request at this time. 

your request was denied for the following reasons : No credit bureau file ... ... ...... 

Also below two agencies were listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX Letter date was on XX/XX/XXXX of 2024 signed by Synchrony Bank. 

My issue is : I never intended to open any credit card. I use my debit card regularly and I am perfectly fine. I only afford what I can buy. If I can't buy it now, I save. If I can not afford, I ask help from the government. If I can not afford, I work for it and I buy it. I never apply for loans. I don't know if I will get rich in the future. Maybe so rich I can decide one day to lend money and repay after. But for now, please you may freeze anyone that intend to make credit under my name. I have no intention to do that in the near future. 

I was so scared I called the second agency. I am not even sure if the phone number is legit. There was a message asking me to put my social security number, which I did. And they requested my date of birth to verify my identity and I said to myself : No! That looks like a trap and I immediately hung up. 

I am very scared right now. I barely have few times to take care of myself outside of work and now I have to file a report at XXXX XXXX  after long hours of XXXX XXXX and go file a report to the police on saturdays. 

Please help me resolve this situation as soon as possible. And if there is a way to identify who is behind this, please put an end on this immediately. 

I am sincerely grateful of the vision of your company. I am waiting impatiently for your updates in getting this matter resolved. 

Best,
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding three collection items on my credit report. Equifax refuses to properly investigate the items and they remain on my report with damaging effects. I have provided written documentation to substantiate my claim of errors and they have been overlooked. 

XXXX {$2900.00} XXXX {$500.00} XXXX XXXX {$440.00} XXXX XXXX XXXX was an account paid on time and satisfied. I contacted XXXX XXXX XXXX and they confirmed they have also sent them documentation, yet they continue to report late payments.
Product: Debt collection

i am filing this complaint to report a false statement from BC Service inc, a collection agency. i just found it out when i received my credit report from XXXX this week .At my biggest surprise i saw this debt collection of {$850.00} reported on XXXX 2016 to the XXXX credit bureau which state that i have an account that was open on XXXX 2016 with BC Services incorporation located at XXXX XXXX XXXX XXXX co XXXX. 
Firstable this is a false statement, i have never opened an account or never do business with this company. but that was reported to the XXXX credit bureau that i open that account with them since XXXX 2016 that is a lie. 
Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the XXXX credit bureau. According to th e Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the XXXX credit bureau. but BC Service inc did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from immediately from my credit report I sent them a letter to prove they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond. also i ask them to sent me a complement payment history starting with the original creditor they never respond
Product: Debt collection

On XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. On XX/XX/XXXX a notice from the court was sent out that all debts in this plan were satisfied and are no longer collectible. This account is still showing up as an active judgement on my court record and a bad debt on my credit report even though it is paid in full. I have attempted to contact XXXX, XXXX, XXXX, XXXX , XXXX XXXX, XXXX in XXXX, WI as they are the lawyers who entered the judgement against me. However, I have only gotten a voicemail. I did leave a message in regards to my account but never heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a 90 day late payment being reported on my XXXX XXXX account # XXXX for XX/XX/XXXX with XXXX, XXXX XXXX, and Experian on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they have come back and stated that they verified it as accurate. I was in an approved financial forbearance during the time that the delinquency is reporting. I have attached the documentation, so how are they verifying this entry as accurate?
Product: Mortgage

I have never been late on the Heloc account and the servicing company knows this. BB & T filed a lawsuit claiming that a default occur when i never did. The note expired and is the reason for the lawsuit. Before the note came to its maturity date, I applied for a loan modification to extend credit. BB & T failed to process the request by claiming that due to the foreclosure loss mitigation was not an option. We disagree with BB & T lending practices. All servicing companies participate in the loss mitigation program specially in the State of Florida, a judicial state. in fact, millions of loans have been modified while on foreclosure. A few days ago i spend 5 hours on the phone with BB & T requesting contact and fax number to the loss mitigation department. I was transferred to more than 9 customer service individuals. None of them were able to provide any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. On XX/XX/2021 I have submitted a follow-up letter of my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Product: Credit reporting or other personal consumer reports

I've requested for these inquiries to be removed from my credit report.
Product: Checking or savings account

XXXX XXXX XXXX. Located in XXXX XXXX, CA dba XXXX charged my debit card for illegal fees regarding air travel to the sum of $ XXXX.I submitted this info to Chase Bank . They investigated & decided to side with the fraudsters. I informed Chase bank that this company notorious for its illegalities regarding consumer fraud. This started on XX/XX/XXXX continuing until XX/XX/XXXX when Chase bank made their decision against me. Chase Bank removed {$710.00} from my account to give to XXXX. As I see it Chase committed fraud against me as well.
Product: Mortgage

Quicken Loans DBA Rocket Mortgage received my payment on the XXXX day of the month and intentionally did not process it for SEVEN days, so that they could illegally charge an outlandish late fee. 

The late fee needs to be reversed and Quicken Loans must be compelled to stop this illegal and highly predatory practice.
Product: Debt collection

Surprise medical bill. Tried multiple times to resolve through XXXX XXXX but to no avail. XXXX 's billing service has now sent me to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g I clearly sent, '' Experian Information Solutions Inc. " a Cease and Desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the major credit bureaus this action may constitute fraud under both Federal and State laws.Pursuant to 15 USC 1681. I the consumer have 30 days to a reinvestigation. I am submitting this complaint to make sure I receive my proper investigation within these 30 days.
Product: Credit card or prepaid card

I was charged  XXXX  on   XXXX   XXXX   XXXX   for a  XXXX   XXXX   XXXX  I contacted them and a  manager and was told I my card was never charged and they printed out paper work to prove it and I let them speak with netspend. Net spend then advised me that they do n't know what happen to m y funds but they could investigate they told me they would know something by the end of  XXXX  I call and they tell me I still got ta wait another 45 days for something that was done on there end. Now I 've tried being really patient but its running out fast cause I got took for almost  XXXX  dollars and nobody can tell me where or why my money was taken.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

was charged to much finance when i finance my XXXX of my Car and other car i pay GAP on my other car and i pay out of pocket gap didnt cover
Product: Credit card or prepaid card

I have a credit balance on my account that I was advised was on the account for the amount listed below. When I spoke to a representative they advised that they will not send a check back to me and due to them closing my account and removing the ability for me to have access to my money they are retaining the money. 

I have requested and requested the money as I have the proof that this happen and Elan Financial/Fidelity has not been willing to comply with issuance of a check and provide a  refund. 

The company will not assist and is delaying this. Elan financial has done this before and took over 30 days to get money back to me. 


XXXX Amount {$1100.00} {$1000.00} {$210.00} {$290.00} {$78.00} {$12.00} Total Amount {$2700.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported that Im more than XXXX  days late when Ive never been late with a payment.
Product: Credit reporting or other personal consumer reports

Billing and reporting errors by my bank are having a serious negative impact on my credit. According to the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are legally required to accurately reflect payments and credits, but several mistakes have occurred. Payments I made on time were either not recorded properly or miscalculated, leading to inaccurate balances. Additionally, I was never given the mandatory 21-day notice before a payment was due, which makes any reported late payment invalid. These errors are not only misleading but also a violation of federal law, and they are unfairly damaging my credit score.
Product: Credit card or prepaid card

This complaint is being filed under Power of Attorney on behalf of consumer XXXX XXXX by XXXX XXXX of XXXX XXXX XXXX XXXX is a victim of identity fraud, and has retained the services of XXXX ( and XXXX XXXX XXXX XXXX ) and its employee XXXX XXXX to assist in resolving these matters. Thus far matters with a variety of banks and companies have been resolved. XXXX remains unresolved and uncooperative. The victim attemtped to report fraudulent charges on her account without success and XXXX XXXX has reported the fraudulent charges as well without success. XXXX XXXX in his report provided a POA, police report, vicitm affidavit, and other supporting documentation. XXXX XXXX reported the following charges as fraudulent. 

Charge : XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, KY {$200.00} Charge : XX/XX/XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX, KY {$200.00} Charge : XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, KY {$200.00} Charge : XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, KY {$600.00} A plain reading would raise flags. Three charges of {$200.00} at the same XXXX XXXX location in the same day? Really? This didn't strike as fraud. Then the following week another {$600.00} transaction at the same XXXX XXXX Location? These are clear indicators or fraudulent transactions, but XXXX 's official written response is that the " merchant has provided information matching our records to verify the transactions as legitimate and not the result of fraud. '' The store 's records will match XXXX 's records but only demonstrate the card number was run. This does not mean that the victim was present or in any other way authorized or participated in the transactions. That the records of the transaction match in no way establish legitimacy. TO further the matter XXXX in a telephone conversation about this written response that the victim had with XXXX the victim was as advised by XXXX that they " had a recording of a phone call '' and that the " voice matched '' her voice. What does this mean? XXXX refused to provide details of this alleged call of when it happened, who it happened with, where the recording comes from, etc. So they claim transaction records match so its not fraud and then they have a recording of the call they have match to her voice ( presumably they employed and expert audio recording voice matching XXXX who advised them of this determination ) that also proves no fraud. 
XXXX 's claims are specious at best. XXXX XXXX for XXXX arrived at a completely different conclusion for charges at the SAME XXXX XXXX  location as well as other charges in the next town over that occurred in XX/XX/XXXX with patterns very similar to those that occurred on the XXXX  account ( dollar amounts and frequency along with locations ). 
XXXX XXXX and the victim XXXX XXXX have successfully resolved fraud and identity theft that occurred with XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX. These matters began in XXXX of XXXX and continued into XXXX before actions by the victim and XXXX were able to bring a halt.
Product: Credit card

Back in XX/XX/XXXX I reported several unauthorized payments to Avant , LLC for my master card ending in XXXX. Last week I received information that all the charges disputed have been posted back on my account which has place my account over the limit. I did not receive any correspondence from Avant , LLC in reference to my account. It was decided to post all unauthorized charged back on to my account. I do not accept the outcome of what Avant has decided to do.
Product: Credit reporting or other personal consumer reports

i called trying to get into my account. the person i talked to said they cant help me get into my account and hung up on me i provided my social and id and still was denied access to my account. and the representative hung up on me.